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Accidental Death & Dismemberment (AD&D)

AD&D Insurance acts as an added form of protection should an employee of a participating WRLA member suffer a severe accident causing death or a specific loss as identified in the Loss Schedule described below.

Typical AD&D plan designs include:

1. Coverage for AD&D Insurance is available to match the level of the Core Life Insurance
2. Coverage terminates at age 70 or retirement

AD&D benefits are payable in addition to Life Insurance should an accident result in death. Covered losses are as follows:

Benefit Payable for Loss Of Amount of Benefit Payable
Loss of life 100%
Loss of or loss of use of both hands or both feet 100%
Loss of or loss of use of one hand and one foot 100%
Loss of the entire sight of both eyes 100%
Loss of both arms or both legs 100%
Loss of or loss of use of one arm and one leg 100%
Loss of speech and hearing 100%
Loss of or loss of use of one arm or one leg 75%
Loss of or loss of use of one hand or one foot 66 2/3%
Loss of the entire sight of one eye 66 2/3%
Loss of speech or hearing 66 2/3%
Loss of thumb and index finger on the same hand 33 1/3%
Loss of four fingers on the same hand 33 1/3%
Loss of hearing in one ear 33 1/3%
Loss of all the toes on one foot 25%
Quadriplegia 200%
Paraplegia 200%
Hemiplegia 200%
Loss of use of both arms or both legs 200%

Accidental Death & Dismemberment (AD&D) Insurance Rates

A flat, competitive rate for AD&D Insurance is available to all members of the WRLA. Through the volume purchasing arrangement the WRLA is able to offer a rate of $0.03 per $1,000 of coverage.

For example, if an employee had $50,000 of Basic Life Insurance, $50,000 of AD&D Insurance would result in monthly premiums of $1.50.

 

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Last updated on:  Aug 12, 2003  Page: 

This information is not intended for use without professional advice. While we have attempted to make this site as accurate as possible, it is only a summary. For more information, see our disclaimer.

Copyright © 2002 Morneau Shepell.
All Rights Reserved.