Accidental death and dismemberment (AD&D) insurance provides coverage for death resulting from accidental means. It does not provide benefits for death resulting from illness or natural causes. Dismemberment benefits generally cover permanent loss of a body member or function or loss of use of a body member or function.
The Colleges provide accidental death and dismemberment coverage for all employees enrolled in the basic life insurance plan. Coverage is equal to the total amount of basic life insurance coverage on the employee.
In the case of death due to an accident, the beneficiary receives an amount equal to the employee's basic life insurance coverage. This payment is in addition to payment under the life insurance policy. Payment to the employee for dismemberment varies based on the nature of the injury.
Designation of Beneficiary: The Office of Human Resources maintains the enrollment information for life insurance including beneficiary information. It is a good practice to periodically check your designation so that it is current.
The benefits listed at left are provided through coverage under a group insurance policy. For further details of this coverage, refer to the Summary Plan Description or to the Office of Human Resources.