Accidental Death and Dismemberment (AD&D) insurance provides protection against financial losses due to accidental death and accidental losses. As a regular full-time University employee, you can purchase this coverage for yourself only, or you can include AD&D coverage for your spouse and your children. This program is underwritten by The Hartford Insurance Company. The Hartford AD&D Presentation is available for your review.
You may choose a coverage amount ranging from $10,000 to $300,000. Coverage is available regardless of your health history.
You may elect to extend AD&D coverage to your spouse and eligible dependent children (children up to age 19 and ages 19 through 24 if they are full-time students). The amount of insurance that will be applicable to your family members is a percentage of the amount you select for yourself. Your spouse will be insured for 60% of the coverage amount you selected for yourself. Each child will be insured for 20% of the coverage amount you selected.
The following table illustrates the coverage amounts when family coverage is selected:
| Choose an Amount For You | Your Spouse Is Covered For 60% of Your Amount | Each Child Is Covered For 20% of Your Amount |
|---|---|---|
| $10,000 | $6,000 | $2,000 |
| $25,000 | $15,000 | $5,000 |
| $50,000 | $30,000 | $10,000 |
| $100,000 | $60,000 | $20,000 |
| $150,000 | $90,000 | $30,000 |
| $200,000 | $120,000 | $40,000 |
| $250,000 | $150,000 | $50,000 |
| $300,000 | $180,000 | $60,000 |
The following is a list of available coverage and employee rates:
| Principal Sum | Employee Only | Employee & Dependents | ||
|---|---|---|---|---|
| Monthly | Biweekly | Monthly | Biweekly | |
| $10,000 | $.25 | $.12 | $.39 | $.18 |
| $25,000 | .63 | .29 | .98 | .45 |
| $50,000 | 1.25 | .58 | 1.95 | .90 |
| $100,000 | 2.50 | 1.15 | 3.90 | 1.80 |
| $150,000 | 3.75 | 1.73 | 5.85 | 2.70 |
| $200,000 | 5.00 | 2.31 | 7.80 | 3.60 |
| $250,000 | 6.25 | 2.88 | 9.75 | 4.50 |
| $300,000 | 7.50 | 3.46 | 11.70 | 5.40 |
AD&D insurance benefits are paid in the event of a covered accidental death, loss of limb, or total loss of eyesight.
If a covered injury results in the loss of your life and/or that of your covered dependent, the applicable principal sum will be payable, less any amount that may previously have been paid due to dismemberment.
Should you die as a result of a covered accident, your beneficiary will receive the full amount of the AD&D death benefit (the principal amount). If you suffer an accidental loss of limb or total eyesight as a result of a covered accident, then you will receive 100% or 50% of the principal amount, depending on the extent of your injury.
The chart below shows how AD&D benefits are paid for losses suffered within 365 days of a covered accident.
| For Loss of: | The Benefit is: |
|---|---|
| Life | 100% of principal amount |
| Both hands, both feet, both eyes, or any combination | 100% of principal amount |
| One hand, one foot, or one eye | 50% of principal amount |
| Speech and hearing | 100% of principal amount |
| Speech or hearing | 50% of principal amount |
| Thumb and index finger of same hand | 25% of principal amount |
No more than 100% of the principal amount will be paid for all losses resulting from one accident.
In the event that you and your insured spouse both suffer loss of life due to an injury sustained in the same accident, the principal sum payable for your spouse's loss of life will be equal to your principal sum. The benefit payable for both you and your spouse may not exceed $600,000. Both losses must occur within 90 days of the date of the accident for this benefit provision to be applicable.
When an accident occurs or sudden illness strikes during business or vacation travel, unfamiliar surroundings and medical facilities often present additional pressures. When we travel abroad, language differences, foreign customs and laws, and inadequate medical facilities can make dangerous situations even worse. Fortunately, your Accidental Death and Dismemberment insurance from the Hartford includes travel assistance for employees and their family members who are covered by the program.
Faculty and Staff who participate in the Accidental Death and Dismemberment Policy have an additional security benefit under the Hartford Travel Assistance Program, provided by Europ Assistance, USA. Their professionals are available to provide help when employees need it most, 24 hours a day, 365 days a year. The program provides three kinds of services for business or vacation travels - Pre Trip Information, Emergency Medical Assistance, and Emergency Personal Services. Travel Assistance Program information is available online or by contacting the Employee Benefits Division at benefits@psu.edu or by phone at (814) 865-1473. If you need to submit a claim for medical services received while outside the United States, please complete the International Claim Form and submit it to the BlueCard Worldwide Service Center address listed on the form.
AD&D Benefit Highlights provides a summary of the features of this plan.
During the annual benefits open enrollment period, you may increase or decrease your coverage or you may enroll in AD&D coverage without providing any medical information. The effective date of AD&D coverage or change in the amount of coverage will be January 1st of the following year.
When you end your employment at Penn State either at retirement or termination, you may apply to convert your Accidental Death and Dismemberment coverage. Please contact the Employee Benefits Division at benefits@psu.edu or by phone at (814) 865-1473 for details and the necessary forms.
