Accidental Death & Dismemberment

Do the math:  More than one in four Americans has been involved in a car accident in the last five years, and in the time it takes to watch a television sitcom, two people will die in car accidents in the U.S. And if that doesn’t sound compelling, consider this: experts believe that based on current trends, every single American will be involved in at least one automatable accident in his or her lifetime. 

More than 35,000 people were killed in car accidents in 20151.
1 U.S. Department of Transportation, National Highway Traffic Safety Administration, 2015.
And that’s just car accidents.
Reliance Standard’s Voluntary AD&D coverage is a convenient, affordable measure of protection employers can offer employees and their families against the very aspects of life no one wants to think about, let alone plan for.

Accidental Death & Dismemberment Insurance helps pay a lump sum in the event of a covered accident. Unlike Worker’s Compensation, which covers only work-related accidents, AD&D insurance applies wherever covered accidents happen, such as at home or on the road.

Plan Features Include

  • Minimal participation requirement – as few as 10 lives or $100 per month in premium
  • Benefits to $500,000
  • Benefits do not reduce until age 75
  • Guaranteed coverage (no individual underwriting)
  • Spouse and dependent child(ren) coverage available
  • Exposure & Disappearance coverage included
  • Conversion privilege
  • Extension of family coverage provision
  • Newlywed/newborn provision
  • Seat belt/ air bag benefit available up to a $25,000 maximum

Available Options Include

  • Total Loss of Use
  • Education
  • Survivor
  • Common Disaster
  • Increased Dismemberment for Children
  • Coma
  • Day Care
  • Common Carrier
  • Hospital Indemnity
  • Rehabilitation Benefit

Optional Plan Design Features Include:

  • Continuation of Medical Coverage Benefit
  • Home Alteration and Vehicle Modification Benefit
  • Brain Damage Benefit
  • Therapeutic Counseling Benefit
  • Critical Burn Benefit
  • 100% Dismemberment Schedule
  • 100% Total Loss of Use Benefit

AD&D policies provide benefits for covered accidents that result in fatality, paralysis, the loss of a limb, eyesight, hearing, speech and more. Coverage includes:
  • Loss of Life
  • Loss of Speech
  • Loss of Hearing
  • Loss of Thumb and Index Finger
  • Loss of Hand, Foot, and/or Eye

Additional Stats:

  • Do the math: The injury rate increased from 733 per 100,000 population in 2014 to 760 in 2015
  • In 2015 there were an estimated 6,296,000 police-report traffic crashes. Approximately 38 percent of those crashes (more than 2.4 million) resulted in an injury