The Optional Accidental Death and Dismemberment plan insures you 24 hours a day, world-wide. This coverage provides a lump sum, tax-free benefit in the event of an accident causing death, loss of (or loss of use of) limbs, loss of sight, speech or hearing. The amount of your coverage is doubled for paraplegia, quadriplegia and hemiplegia.
Optional Accidental Death and Dismemberment coverage is available in units of $10,000 to a maximum of $500,000. The monthly Single rate (employee only coverage) is $0.12 per $10,000 of coverage and the month Family rate (employee and dependents) is $0.18 per $10,000 of coverage. Please note that these rates are based on payroll deductions over 12 months.
You may choose to purchase Optional Accidental Death & Dismemberment insurance for yourself only, or for you and your family. Accidental death benefits payable under this coverage are in addition to any life insurance coverage you may have.
If you select family coverage, the benefit paid for your spouse and/or children will be a percentage of your coverage. The benefit amount payable depends on both your Plan rules as well as the composition of your family at the time of the claim.
You pay the entire cost of your Optional Accidental Death & Dismemberment insurance for you and your family. The cost of this coverage is based on your coverage amount and the type of coverage you select.
To apply, the Optional AD&D application form must be completed and signed and coverage is effective on the first of the month following receipt of your completed
Click Details for information on your District’s Optional Accidental Death & Dismemberment benefit provision.