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 $0.04 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 $2.00.

Note: This summary is intended to provide a brief description of the benefits available under the WRLA group insurance program. This material does not create or confer any rights. The exact terms and conditions of your benefits are outlined in the applicable group benefits agreements or policies. Some restrictions and/or limitations may apply to all benefits mentioned above. Please contact the WRLA or Morneau Shepell for full details

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Last updated on:  June 18, 2012  Page: 

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