AD&D Insurance provides additional financial protection for situations where death or dismemberment results from an accident. You can choose AD&D for you, your spouse and your children.
| AD & D Insurance Options | Employee 8 Options | Spouse 12 Options | Child 5 Options |
|---|---|---|---|
| Option 1 | $25,000 | No Coverage | No Coverage |
| Option 2 | 1 x annual pay for benefits | $25,000 | $5,000 per child |
| Option 3 | 2 x annual pay for benefits | $50,000 | $10,000 per child |
| Option 4 | 3 x annual pay for benefits | $100,000 | $15,000 per child |
| Option 5 | 4 x annual pay for benefits | $150,000 | $20,000 per child |
| Option 6 | 5 x annual pay for benefits | $200,000 | N/A |
| Option 7 | 6 x annual pay for benefits | $250,000 | N/A |
| Option 8 | 7 x annual pay for benefits | $300,000 | N/A |
| Option 9 | N/A | $350,000 | N/A |
| Option 10 | N/A | $400,000 | N/A |
| Option 11 | N/A | $450,000 | N/A |
| Option 12 | N/A | $500,000 | N/A |
Benefits Chart
| Injury | Percentage of principle sum payable |
|---|---|
| Loss of life | 100% |
| Loss of Both Hands or Both Feet | 100% |
| Loss of entire site of Both Eyes | 100% |
| Loss of One Hand and One Foot | 100% |
| Loss of One Hand and Entire Sight of One Eye | 100% |
| Loss of One Foot and Entire Sight of One Eye | 100% |
| Loss of Speech and Hearing in Both Ears | 100% |
| Loss of Use of Both Arms or Both Hands or Both Feet | 100% |
| Quadriplegia | 200% |
| Paraplegia | 200% |
| Hemiplegia | 200% |
| Loss of One Arm or One Leg | 75% |
| Loss of Use of One Arm or One Leg | 75% |
| Loss of One Hand or One Foot | 66.6% |
| Loss of Entire Sight of One Eye | 66.6% |
| Loss of Use of One Hand or One Foot | 66.6% |
| Loss of Speech or Hearing in Both Ears | 66.6% |
| Loss of Thumb and Index Finger of Same Hand | 33.3% |
| Loss of Four Fingers of Same Hand | 33.3% |
| Loss of Hearing in One Ear | 25% |
| Loss of All Toes of Same Foot | 12.5% |