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:
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Loss of life |
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100% |
 |
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Loss of or loss of use of both hands or both feet |
 |
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100% |
 |
 |
Loss of or loss of use of one hand and one foot |
 |
 |
100% |
 |
 |
Loss of the entire sight of both eyes |
 |
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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:
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.
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