AD&D Plus offers rates starting at $23 a year and a variety of supplemental benefits listed below. Please see our rate chart.
Supplemental Benefits Covered by AD&D Plus:
- Loss due to exposure and disappearance
Exposure to the elements is considered an accidental loss. If the insured member’s body is not found within a year of disappearing, they will be presumed dead.
- Loss due to coma
The plan pays one percent of the coverage amount for each month the insured remains in a coma that results from an accident. The coma must be permanent and continuous, beginning within 90 days of the accident and lasting for six months. The benefit is payable from 11 to 100 months while the person remains in a coma.
- Return of remains
If accidental death occurs in a foreign country or outside a 150-mile radius of the insured’s home, the plan pays for the preparation and transportation of the body for cremation or burial. The amount is the lesser of the actual covered expenses, from $2,000 to $5,000.
- Felonious assault
If a member suffers a loss due to aggravated assault, an additional benefit of ten percent of the benefit amount will be paid.
- Day Care Reimbursement
Day care is covered for dependent children under the age of seven, if the member or spouse dies in an accident covered by the policy. The annual benefit is the least of the actual daycare cost, from one percent to five percent of the insured’s coverage amount, paying from $2,000 to $5,000 a year for up to four consecutive years or until the child reaches age seven. If no child qualifies for this benefit, $1,000 will be paid.
- Tuition Reimbursement
Dependent Children: The plan pays an annual benefit of up to four years of tuition for dependent children up to age 25 who are full-time students in any institutions of higher learning or high schools. The annual benefit is the least of the actual tuition (excluding room and board), one percent to five percent of the member’s coverage amount and $2,500 to $5,000 a year. Dependents must be enrolled in an institution of higher learning within 365 days of the insured’s death. If no child qualifies for this benefit, $1,000 will be paid.
- Educational Reimbursement for spouse/domestic partners
The plan provides tuition reimbursement for a professional or trade program to prepare a spouse/domestic partner for work that will meet the financial needs of a family. The benefit is the least of the actual tuition, one percent to five percent of the member’s coverage amount and $2,500 to $5,000 a year. Enrollment in an educational program must occur within 30 months of the member’s death.
- Common Accident Benefit
If the member and spouse/domestic partner both die in the same accident, the plan pays a benefit for the spouse’s/domestic partner’s death. The amount paid is the difference between the member’s coverage amount and the spouse’s coverage amount.
- Critical Periods Payments Benefit
The plan provides a benefit for the surviving spouse equal to one half percent of the member’s coverage amount for each of the 12 months immediately following the member’s death.
- Child Loss
This is a benefit that pays an additional amount if a covered child suffers a loss in an accident, but does not die. The amount payable for the loss is doubled, up to $50,000 maximum.