Accidental Death and Dismemberment Plans

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 a covered accident.

Our AD&D plans can be offered standalone, with Voluntary Life and/or 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 unexpected injury while away from home, or during personal or business travel.

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:	Includes all of the Standard AD&D coverages along with the following:
Covered loss	Catastrophic loss
Exposure	Day care expense
Disappearance	Child education
Repatriation	Spousal education and retraining
Seatbelt and airbag	Common carrier
no	Common disaster
no	Helmet benefit
no	Workplace assault
no	Rehabilitation benefit
no	Adaptive home and vehicle benefit

What AD&D Insurance Covers

Covered Loss (For both Standard & Enhanced AD&D)	Catastrophic Loss Benefits (Enhanced AD&D only)
Loss of life	Quadriplegia (total paralysis of upper and lower limbs, bilaterally)
Loss of a hand	Loss of speech or hearing (both ears)
Loss of a foot	Loss of cognitive function
Loss of sight in one eye	Comatose state in excess of one month
Loss of four fingers of same hand	Paraplegia (total paralysis of both lower limbs)
Loss of all toes (same foot)	Loss of arm or leg
Loss of thumb and index finger of same hand	Hemiplegia (total paralysis of upper and lower limbs, unilaterally)
Loss of great toe	Uniplegia
no	Third degree burns

Optional benefits

Business Travel Accident

This benefit is payable in addition to the underlying AD&D benefit. Pays for a covered loss suffered while traveling on business for the employer.

Common Carrier

Doubles the benefit for a covered loss that occurs while you are traveling on a public transit as a fare-paying passenger.

Portability

Portability can be included with Basic and/or Voluntary AD&D however may not be included on Stand-alone AD&D.

Disclaimer2024-170219 20260228

TravelAid services are provided by Uprise Health, Inc., and UnitedHealthcare Global. The Guardian Life Insurance Company of America (Guardian) does not provide any part of TravelAid services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrative purposes only. It is not a contract. Only the policy can provide the actual terms, services, limitations and exclusions. We are not responsible for availability, quality, result of or failure to provide any medical, legal or other care or service caused by conditions beyond Our control. Guardian and Uprise Health reserve the right to discontinue TravelAid at any time without notice. TravelAid services may not be available in all states.

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.