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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% | |
|
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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.
If you have any further questions, please 
contact us; we'll be glad to help you.
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.