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Voluntary Accidental Death & Dismemberment (AD&D) Plan

Voluntary Accidental Death and Dismemberment (AD&D) offers additional accidental death and dismemberment coverage for Faculty and Staff and their family. This plan pays a benefit based upon a schedule of benefits in the event of accidental death, dismemberment, or permanent total disability as the result of an accident.

One can elect up to 10 times annual salary to a maximum of $500,000, in increments of $10,000. A Medical History Statement is not required for this coverage.

This is a voluntary, employee paid program and is paid through payroll deduction. Active full-time faculty and staff members are eligible to participate during their new hire period, a qualifying event, or annual benefits enrollment. This coverage terminates at retirement or termination of employment. However, coverage may be converted to an individual policy if requested within thirty-one (31) days of employment end date.

  • If the family consists of spouse only, the spouse is covered at 60% of the Faculty/ Staff member’s elected coverage amount to a maximum of $300,000.
  • If the family consists of child(ren) only, the child(ren) are covered at 20% of the Faculty/Staff member’s elected coverage amount for each child to a maximum of $25,000 for each child.
  • If the family consists of spouse & child(ren), spouse is covered at 50% of the Faculty/Staff member’s elected coverage amount to a maximum of $250,000 and the children are covered at 15% of the Faculty/Staff member’s elected coverage amount to a maximum of $25,000 for each child.

 Monthly PremiumBi-weekly Premium
Employee Only$.02 per $1,000 of coverage $.009230 per $1,000 of coverage
Employee and Family*$.04 per $1,000 of coverage$.018470 per $1,000 of coverage