What is Accidental Death and Dismemberment Insurance

What is Accidental Death and Dismemberment Insurance

Accidental Death and Dismemberment Insurance (AD&D) is supplemental insurance you add to your current health insurance or life insurance policy to provide additional payments if you die accidentally or have lost the use certain body parts or functions.

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AD&D insurance policies provide specific payment schedules for different circumstances. If you purchase AD&D insurance, you only pay for continued coverage and your policy will have to be renewed annually. Premiums change annually, as well.

Four types of AD&D insurance

  • 1. Group life supplement

    AD&D insurance that is incorporated into a group life insurance policy provided by your employer.

  • 2. Voluntary

    An individual benefit that you can choose to add to your insurance coverage independently of any employer insurance coverage.

  • 3. Travel Accident

    Offered to employees who travel extensively for corporate business. This policy can be incorporated into your benefit plan by your employer

  • 4. Dependents

    Offers coverage for dependents

AD&D insurance may be beneficial if you are concerned that you might die or become dismembered in an accident. It can be especially useful if you fear that a permanent loss of limb, mobility, eyesight or hearing might severely impact your ability to work. It can often be more beneficial to use the money that would have gone to your AD&D premium to purchase better life or health insurance.

If you are interested in adding AD&D insurance you should contact an agent to help you analyze the terms and specifics of your perspective policy.