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Accidental Death Insurance
What is Accidental Death Insurance?
Many of our everyday activities come with built-in risks. Each time you drive to work or board a plane, you do so expecting to arrive safely at your destination. Unfortunately, accidents happen more often than we’d like to think. Accidents are the third leading cause of death in the US, so having an extra layer of protection may be a comfort to loved ones. If you died unexpectedly in an accident, your loved ones would be emotionally devastated and financially burdened. That’s why Benefits For Everyone offers Accidental Death and Dismemberment (AD&D) Insurance, which provides security to your family if you are killed; or lose a limb, suffer blindness, or are paralyzed in a covered accident. While you can’t predict accidents, you can certainly plan for them.
Plan options
Plan 1
Accidental Death & Dismemberment
| Benefit Description | Level 1 | Level 2 | Level 3 |
| Principal Sum | $100,000 | $200,000 | $300,000 |
| Primary | $100,000 | $200,000 | $300,000 |
| Spouse | $50,000 | $100,000 | $150,000 |
| Child(ren) | $25,000 | $50,000 | $75,000 |
Schedule of Benefits | |||
| Loss of Life | 100% | ||
| Loss of Both Hands | |||
| Loss of Both Feet | |||
| Loss of the Entire Sight of Both Eyes | |||
| Loss of One Hand and One Foot | |||
| Loss of Speech and Hearing | |||
| Loss of One Hand or One Foot and Entire Sight of One Eye | |||
| Loss of One Hand or One Foot | |||
| Loss of Entire Sight of One Eye | |||
| Loss of Speech or Hearing | |||
| Loss of Hearing in One Ear | |||
| STAND-ALONE AD&D | Level 1 | Level 2 | Level 3 |
| Member | $5.32 | $9.65 | $13.97 |
| Member + Spouse | $10.64 | $19.31 | $27.95 |
| Member + Child(ren) | $8.92 | $15.85 | $22.77 |
| Member + Family | $12.81 | $23.63 | $34.43 |
Plan 2
Accident Medical Expense
+
Accidental Death & Dismemberment
| Benefit Description | Level 1 | Level 2 | Level 3 |
| Accidental Death & Dismemberment Benefit (AD&D) | |||
| Principal Sum – Member, Spouse, Child(ren) | $5,000 | $7,500 | $10,000 |
Loss of Life | 100% | ||
Loss of Both Hands | |||
Loss of Both Feet | |||
Loss of the Entire Sight of Both Eyes | |||
| Loss of One Hand and One Foot | |||
| Loss of Speech and Hearing | |||
| Loss of One Hand or One Foot and Entire Sight of One Eye | |||
| Loss of One Hand or One Foot | 50% | ||
| Loss of Entire Sight of One Eye | |||
| Loss of Speech or Hearing | |||
| Loss of Hearing in One Ear | 25% | ||
| AME with AD&D | Level 1 | Level 2 | Level 3 |
| Member | $7.85 | $10.39Â | $12.13Â |
| Member + Spouse | $12.96 | $17.01Â | $19.81Â |
| Member + Child(ren) | $15.71 | $20.77Â | $24.27Â |
| Member + Family | $19.15Â | $25.47Â | $29.83Â |
