Accidental Death and Dismemberment
SLPC 25092 11/15 (exp. 11/17)
Keep a life-changing event from changing your family’s financial health.
Accidental Death & Dismemberment (AD&D) insurance provides extra financial protection if you or your dependents suffer from a covered accidental injury or accidental death.
How does it work?
AD&D insurance pays you or your beneficiary benefits if you suffer an injury or death as the result of a covered accidental injury. The amount of AD&D coverage often matches the amount of Life insurance you elect, though your plan may allow you to choose a different amount. Depending on your plan, you may be able to sign up for an amount based on your salary (for example, two times your salary) or choose a set dollar amount.
If you suffer a covered accidental injury or death, your AD&D insurance will provide you or your beneficiary with a payment based on your coverage amount. The following list shows potential benefit amounts for losses due to accidental injuries assuming you have $10,000 of coverage:
|Losses due to accidental injury||The plan pays||Your potential benefit|
|Speech and hearing||100%||$10,000|
|Loss of sight in one eye||50%||$5,000|
|Loss of limb (arm or leg)||50%||$5,000|
|Thumb and index finger||25%||$2,500|
The maximum amount payable for losses resulting from any one accident is 100%. In the event that a covered accident results in your death, your beneficiary will receive 100% of your AD&D coverage amount.
You can’t predict the future, but you can plan for it with AD&D insurance so you and your finances are protected in the event of a covered accidental injury or death.
This policy contains limitations and exclusions that may affect benefits. Please see the certificate or ask your benefits administrator for information on limitations and exclusions.
This coverage does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act.
Group life and disability insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under policy form series 93P-LH, 12-GP-01, and 12-DI-C-01. In New York, group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under policy form series 13-GP-LF-01, 13-LF-C-01, 07P-LH-PT/07C-LH-PT, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01 and 12-STDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.