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Accidental Death and Dismemberment Plans

Group discussing Accidental Death and Dismemberment Plans

Our highly affordable Accidental Death and Dismemberment (AD&D) plans can be offered standalone, tied to Voluntary Life, and/or added to Basic Life insurance plans. As an additional benefit, TravelAid1 services can be added to our Basic and/or Voluntary Life coverage to protect employees if a sudden illness or security incident occurs while they are away from home.

Guardian offers two types of AD&D insurance for employee only or family coverage:

Standard AD&D Enhanced AD&D
Standard AD&D provides traditional coverage for specific accidental losses without common carrier benefits. Enhanced AD&D provides traditional AD&D coverage with common carrier benefits and the following additional benefits:
  • Catastrophic Loss
  • Seatbelt and Airbag
  • Repatriation
  • Day Care Expense
  • Child Education
  • Spousal Education & Retraining

What AD&D Insurance Covers

Covered Loss
(For both Standard & Enhanced AD&D)
% of
AD&D Benefit
Catastrophic Loss Benefits
(Enhanced  AD&D only)
% of
AD&D Benefit
Loss of life 100% Quadriplegia (total paralysis of upper and lower limbs, bilaterally) 100%
Loss of a hand 50% Loss of speech and hearing (both ears) 100%
Loss of a foot 50% Loss of cognitive function 100%
Loss of sight in one eye 50% Comatose state in excess of one month 100%
Loss of thumb and index finger of same hand 25% Hemiplegia (total paralysis of upper and lower limbs, unilaterally) 50%
Paraplegia (total paralysis of both lower limbs) 50%

How AD&D is Flexible

  AD&D with Basic Life Tied to Voluntary Life Standalone AD&D
Employee 100% or 200% of Employees Basic Life amount 100% of Employees Vol. Life amount1 Sold as % of salary, increments or flat amounts from $10,000 to $500,0002
Spouse/Child(ren)3 N/A 100% of Employees Vol. Life amount Sold as a % or up to a % of employee’s salary, increments or flat amounts
Reduction of Benefits Standard reduction: 35% at age 65, additional 25% at age 70; additional 15% at age 75; and a final 10% reduction at age 80.  Other options available.

Overview

Group Life Insurance Plans
What is AD&D Insurance?
Voluntary Term and Permanent Life Insurance

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