Accidental Death and Dismemberment Insurance

Editor's Note: Accidents happen -so be prepared- especially for employees with more dangerous roles.

Ashley ShawOverview: Accidental Death and Dismemberment Insurance (AD & D) is a supplement to life insurance that pays the family of a victim who died in an accident. It also covers individuals who lose a body part or their eyesight in an accident.

There are some exceptions to coverage under this type of insurance. For example, if an accident occurs while the covered individual is under the influence of drugs or alcohol, the coverage will likely not be upheld.

AD & D is good for employees in dangerous jobs or jobs that require a lot of driving. AD & D is often included as part of a Group Life Supplement and Business Travel and Accident Insurance plan.

Ashley Shaw, JD, Legal Editor

New and Updated

  • Insurance and Disability Benefits: Federal

    Employment Law Manual

    This section helps HR professionals understand the value of offering certain insurance benefits, such as life insurance, accidental death and dismemberment (AD&D) insurance, short-term and long-term disability benefits.

  • Group Life Insurance Handbook Statement

    Employee Handbooks

    Employers seeking to identify which employees may be eligible for group life insurance and the types of life insurance available to them should consider including this model policy statement in their handbook.

  • AD & D (Accidental Death and Dismemberment) Insurance

    Employment Glossary

    Employment glossary definition of AD & D (Accidental Death and Dismemberment) Insurance.

About This Topic

HR guidance on acquiring accidental death and dismemberment insurance.