Accidental Death and Dismemberment

Why Accidental Death & Dismemberment?

A common misconception is that Accidental Death and Dismemberment insurance, or AD&D, is the same as life insurance. But that’s not the case. The difference is that AD&D insurance covers you in the event you were to die due to an accident. It would also pay a benefit if you were severely injured due to an accident.


  • Full cost of coverage is paid for your employer through payroll deduction and will begin the first month following 30 days of employment, if you are actively employed at that time
  • Affordable premiums
  • Age-banded, which means your age plays a role in the amount of coverage you will receive