AD&D coverage provides employees with an additional layer of financial protection allowing them to adequately purchase enough combined Life and AD&D coverage to protect their family’s financial future.
How voluntary group AD&D insurance works
Voluntary group AD&D insurance provides additional financial protection if an insured’s death or dismemberment is due to a covered accident, whether it occurs at work or elsewhere.
What does voluntary group AD&D insurance cover?
Voluntary group AD&D plans can be added to a benefit package in a variety of ways.
- Basic AD&D is employer-paid coverage, which provides an accidental death benefit often equal to an employee’s basic term life insurance amount.
- Voluntary/Supplemental AD&D offered as employee-paid coverage can be tied to supplemental life insurance coverage or as a separate, stand-alone election.
- Dependent AD&D insurance is an employee-paid coverage that provides spouses and children with additional protection.
Business travel accident (BTA)
Available as a rider to a term life policy or as an additional AD&D benefit, business travel accident provides a lump-sum payment if an insured employee dies or is injured from a covered accident while traveling for business.