Accidental Death & Dismemberment (AD&D) coverage provides extra protection for employees and their families in the event of a covered accidental death or injury. Available with The Standard’s Group Life insurance or as stand-alone coverage, our AD&D product offers features designed to reduce the financial burdens associated with the loss of life, limb or sight.

AD&D Features

• Family Benefits Package: Provides career adjustment, child care and higher education benefits* to family members of insured employees who die as a result of an accident
• Seat Belt Benefit: Pays a benefit equal to the amount of the AD&D benefit, up to $10,000, to beneficiaries when an employee dies in an automobile accident while wearing a seat belt
• Air Bag Benefit: Provides further protection in the event of a covered automobile accident for which the Seat Belt Benefit is payable
• Expanded AD&D: Available at an added cost, offers additional coverage to help protect employees from unexpected financial hardships resulting from the accidental loss of life due to occupational assault, loss of speech or hearing, paralysis and other covered losses
• Line of Duty: Available at an added cost, provides an additional benefit to public safety officers who suffer a covered loss while in the line of duty

For more details about AD&D insurance from The Standard, contact your local broker or Employee Benefits Sales and Service Office.