Accidental Death and Dismemberment (AD&D)
Accidental death and dismemberment (AD&D) can help protect employees and their loved ones in the event of an unexpected loss of life or an irreversible injury due to an accident.
Our AD&D plans can be offered standalone, with Voluntary Life and/or Basic Group Life coverage. We also offer additional services such as global emergency travel assistance if an employee experiences an emergency while traveling more than 100 miles away from home, or outside the country, for up to 90 days.
Standard AD&D covered loss benefits
Loss of life
Disappearance
Exposure
Loss of hand or foot
Loss of sight
Loss of thumb and index finger
Loss of fingers or toes
Seatbelt, Airbag
Repatriation
Enhanced AD&D catastrophic loss benefits
Includes all Standard AD&D covered loss benefits along with the following:
Paralysis
Loss of cognitive function
Comatose state
Loss of arm or leg
Third degree burns
Adaptive home and vehicle benefit
Child education
Common disaster
Helmet benefit
Workplace assault
Rehabilitation benefit
Spousal education and retraining
Business Travel Accident
May be included with the Basic and/or Voluntary AD&D benefit. This rider benefit is specific to the insured employee and is payable for a loss suffered while traveling on business for the employer; benefit is payable in addition to the underlying payable AD&D benefit.
Common Carrier
May be included with the Enhanced AD&D benefit; covered loss due to an accident which occurs while riding in a public conveyance as a fare paying passenger; payable benefits are doubled.
Portability
Allows an insured employee to continue the life insurance policy even if they leave the group plan; can be included with Basic Life, Voluntary Life, and AD&D (when sold with group life).
Employers: Discover the advantages of Guardian group life insurance
1 ComPsych Corporation (ComPsych) is a vendor to The Guardian Life Insurance Company of America (Guardian). ComPsych and Guardian are not affiliated entities. Global emergency assistance services (Services) are provided by ComPsych through its subcontractor Assist America. Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and ComPsych reserve the right to discontinue Services at anytime without notice. Services may not be available in all states. Provision of Services shall be in a manner consistent with applicable law.
Guardian’s Group Accidental Death and Dismemberment Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Generic Policy Form # GP-1-ADD-15. The state approved form is the governing document. For NY, the Policy Form # is GP-1-AD&D-12R-NY.