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What is accidental death dismemberment insurance

what is accidental death dismemberment insurance

How the Plan Works

This plan, which is insured with Minnesota Life, provides benefits in the event of accidental death off and on the job. Death by illness, suicide, or natural causes is generally not covered. For more information on the plan, please refer to the Certificate of Insurance.


Eligibility for Accident Insurance (also known as Accidental Death & Dismemberment or AD&D Insurance) is governed by your Memorandum of Understanding (MOU), Exempt Compensation Plan, salary ordinance, or contract.

If you are eligible for coverage, you may also choose to cover your family, that is:

    Spouse (coverage ends at age 70) Registered domestic partner (coverage ends at age 70) Unmarried children (including legally adopted children) who are either:

      Under 19 and who are dependent upon you for support At least 19 but less than 24 who are full-time students and dependent upon you for support


You must fill out an Enrollment Form within 60 days of date of hire, or during the annual Open Enrollment and submit it to your Payroll Specialist. Once family coverage is in force, all newly eligible dependents (such as a newborn) are enrolled automatically.

Coverage Options

You have two coverage options and seven plans to choose from. For the Employee + Family Coverage Plan, coverage will be the amounts listed in the Employee column plus the amounts in the Spouse or Domestic Partner and/or Child columns.

Category: Insurance

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