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What is Accidental Death and Dismemberment (AD&D) Insurance?

April 26, 2017accidental AD&D death dismemberment Insurance

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What is Accidental Death and Dismemberment (AD&D) Insurance?

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While group life insurance provides benefits in the event of loss of life for any reason, AD&D insurance provides benefits for losses due to accidental causes. Loss of life benefits under the AD&D benefit are typically equal to the group life benefit but may be a higher benefit. In addition to benefits for accidental death, AD&D insurance pays benefits are for dismemberment, including paralysis, loss of speech or hearing and loss of sight.