If ever there were two subjects no one gets excited to discuss, it’s these. However, Accidental Death & Dismemberment (AD&D) coverage provides extra protection for employees and their families in the event of a covered accidental death or injury.

Available with The Standard’s Group Life insurance or as stand-alone coverage (stand-alone coverage not available in New York) , our AD&D product offers features designed to reduce the financial burdens associated with the loss of life, limb or sight.

AD&D Features

• Family Benefits Package: Provides career adjustment, child care and higher education benefits to eligible family members of insured employees who die as a result of an accident
• Seat Belt Benefit: Pays a benefit equal to the amount of the AD&D benefit, up to $10,000, to beneficiaries when an employee dies in an automobile accident while wearing a seat belt
• Air Bag Benefit: Provides further protection in the event of a covered automobile accident for which the Seat Belt Benefit is payable
• Expanded AD&D: Available at an added cost, offers additional coverage to help protect employees from unexpected financial hardships resulting from the accidental loss of life due to loss of speech or hearing, paralysis and other covered losses
• Line of Duty: Available at an added cost, provides an additional benefit to public safety officers who suffer a covered loss while in the line of duty. (Line of Duty is not available in New York)
• Repatriation Benefit: Supplies an additional benefit that helps to pay expenses related to transporting the remains of employees who die more than 200 miles from their home (Only available with AD&D in New York. Available with Life insurance in other states)