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 irrerversible 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 |
Common disaster | |
Helmet benefit | |
Workplace assault | |
Rehabilitation benefit | |
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 |
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.