The Accidental Death & Dismemberment (AD&D) benefit provides protection in the event that a plan member incurs a loss, or loss of use of: life, limb, sight, hearing, and/or speech due to an accidental injury. 

 

Most Accidental Death & Dismemberment policies cover both "loss" and "loss of use". Loss is generally defined as an actual severance whereas a loss of use must generally be total and irrecoverable. Some policies only cover a loss and are therefore far less comprehensive in their coverage.

 

Accidental Death & Dismemberment coverage is generally based equal to your Group Life Insurance benefit, but many plans we represent, offer Optional AD&D on a very cost effective basis.