Voluntary Accidental Death & Dismemberment Insurance

What is Accidental Death & Dismemberment Insurance?

Accidental Death & Dismemberment (AD&D) Insurance helps pay a lump sum in the event of a covered accident. Specifically, these covered accidents are ones that could not be foreseen and are fatal or dismembering. Deaths that come due to prior medical conditions are not covered under this accidental death and dismemberment policy.

Why Employees Need Accidental Death & Dismemberment Insurance

Unlike Workers’ Compensation, which covers only work-related accidents, AD&D insurance applies wherever covered accidents happen, such as at home or on the road. Along with life, disability and critical illness benefits, AD&D insurance can help round out a comprehensive benefits package. Access to a full range of protection solutions can help attract and retain top employees.

What Does Accidental Death & Dismemberment Insurance Cover?

Accidental Death & Dismemberment insurance policies (AD&D) provide benefits for covered  accidents that result in fatality, paralysis, the loss of a limb, eyesight, hearing, speech and more.  An AD&D plan may include coverage for employees only or employees and dependents and typically provides 24-hour coverage no matter where a covered accident occurs, whether at work, home or away for:
  • Loss of Life
  • Loss of Speech
  • Loss of Hearing
  • Loss of a Hand, Foot or Sight
  • Loss of Thumb and Index Finger on Either Hand
  • Loss of Movement
AD&D applies in the event of a covered injury, paralysis or death resulting from a covered accident, The Hartford offers plenty of plan options:
  • Benefits are payable for losses that occur within 365 days of the covered accident.
  • Plans are available on an employer-paid, voluntary and standalone basis.
  • A variety of options are available to choose from, including high coverage limits and no medical underwriting necessary.

Is Accidental Death & Dismemberment Insurance Flexible?

In addition to our standard AD&D plan, there are enhanced and premium plan designs and services that can be customized to best suit the specific needs of each company.
The following optional benefits are also available with our AD&D Insurance:
  • Accelerated Death Benefit
  • Accident Hospital Income
  • Adaptive Home and Vehicle Benefit
  • Anti-Inflation Benefit
  • Bereavement Counseling Benefit
  • Child Education Benefit
  • Coma Benefit
  • Common Disaster Benefit
  • Critical Burn Benefit
  • Day Care Benefit
  • Funeral Expense Benefit
  • HIV Occupational Accident Benefit
  • Loss of Use Benefit
  • Newborn Coverage
  • Newlywed Coverage
  • Paralysis Benefit
  • Permanent Total Disability
  • Rehabilitation Benefit

What Employees Get

We go beyond the benefit with a variety of value-added employee services to help make the difficult times a little bit easier.
  • Beneficiary Counseling Services2
  • Travel Assistance and ID Theft Protection Services3

How to Get It

The Hartford makes it easy for brokers and employers to find the right coverage. Connect with a representative from The Hartford today.
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Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.
2 EstateGuidance® and Beneficiary Assist® are offered through The Hartford by ComPsych® Corporation. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. A simple will does not cover printing or certain other features. These features are available at an additional cost. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
3 Travel Assistance and Identity Theft services are provided by Generali Global Assistance, Inc. Generali Global Assistance, Inc. is not affiliated with The Hartford and is not a provider of insurance services. Generali Global Assistance, Inc. may modify or terminate all or any part of the service at any time without prior notice. None of the benefits provided by Generali Global Assistance, Inc. as a part of the Travel Assistance and Identity Theft service are insurance. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

Why Voluntary AD&D Insurance?

Learn more about how our Voluntary AD&D Insurance can benefit you and your employees.