Keep Your Family Financially Secure

Accidental Death and Dismemberment (AD&D) insurance is an important part of a well-rounded financial program. For pennies a day, your employees and their families can be protected in the event of an unforeseen accidental death and/or dismemberment.

Utah Plan Brochure

Texas Plan Brochure

Knowing your family has the financial support they need in the event of an accidental death or dismemberment can provide some comfort. For just pennies a day, add an AD&D plan for a more complete benefits package.

To apply, simply request coverage on your dental plan enrollment form and an enrollment specialist will work with you to determine the coverage amount and beneficiary designation.

Plan Features

  • Coverage for loss up to 365 days after the accident
  • Loss of life
  • Hand and foot loss
  • Loss of sight, speech, and hearing
  • Coma Benefit
  • Paralysis Benefit
  • Family Benefit option

Benefit Description

  • “Loss of Hand or Foot” means complete severance through or above the wrist or ankle joint.
  • “Loss of Sight” means the total, permanent loss of sight of one eye that is irrecoverable by natural, surgical or artificial means.
  • “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means.
  • “Loss of Hearing” means total and permanent loss of hearing in both ears that is irrecoverable and cannot be corrected by any means.
  • “Loss of Thumb and Index Finger of the Same Hand” means complete severance through or above the metacarpophalangeal joints of
  • the same hand (the joints between the fingers and then hand).
  • “Severance” means the complete separation and dismemberment of the part from the body.

What’s the difference between AD&D Insurance and Life Insurance?

Simply put, life insurance will distribute payment in the event the covered person dies within the defined period. Accidental death and dismemberment insurance will distribute payment in the event of accidental death, but also for other tragic losses of ability. AD&D is typically purchased as a supplement to a term life policy.

Life Insurance Coverage

  • Death due to accident
  • Death due to illness
  • Medical exam required
  • Age-based individual premium

AD&D Insurance Coverage

  • Death due to qualifying accident
  • Loss of limb coverage
  • No medical exam
  • Individual or family premium