Accidental Death and Dismemberment Plans
Accidental death and dismemberment (AD&D) can help protect employees and their loved ones in the event of death or dismemberment due to a covered accident.
Our affordable AD&D plans can be offered standalone, tied to Voluntary Life, and/or added to Basic Life coverage. As an additional benefit, we offer a variety of value-added employee services such as TravelAid1 to help employers protect their employees from a sudden illness or a security incident that occurs while away from home.
Guardian offers two types of AD&D insurance for employee only or family coverage:
| Standard AD&D | Enhanced AD&D |
|---|---|
Provides traditional coverage for specific accidental losses without common carrier benefits. Includes coverage for:
|
Enhanced provides traditional AD&D coverage with common carrier benefits and the following additional benefits:
|
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 or hearing (both ears) | 50% |
| 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 all fingers (same hand) | 25% | Paraplegia (total paralysis of both lower limbs) | 75% |
| Loss of all toes (same foot) | 25% | Loss of arm or leg | 75% |
| Loss of thumb and index finger of same hand | 25% | Hemiplegia (total paralysis of upper and lower limbs, unilaterally) | 50% |
| Loss of great toe | 15% | Uniplegia | 25% |
Available riders
Business Travel Accident rider
Pays up to $100,000 for a covered loss that occurs while traveling on business for an employer.
Common Carrier rider
Doubles the benefit for a covered loss that occurs while you are traveling on a public transit as a fare-paying passenger.
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 amount* | Sold as % of salary, increments or flat amounts from $10,000 to $500,0002 |
| Spouse/Child(ren)3 | N/A | 100% of dependents’ 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. |
