Stand-Alone AD&D Accident - Standard Plans

 

 

The AD&D insurance program is available on a mandatory or voluntary plan basis. When coverage is mandatory, all eligible employees or members are covered and the Policyholder pays the premium.

When coverage is voluntary, only those eligible employees or members (including dependents) who enroll in the program are covered.  The Hartford will work with you to develop tailored enrollment strategies to help drive greater participation, enhance value of your benefits program and minimize administrative workload for your staff.

The Hartford provides:

• Personalized, easy-to-understand, employee-focused communication and education tools.
• On-site group meetings.
• Post-enrollment census of employees’ plan elections and payroll deductions.
• Ongoing programs for re-enrollment campaigns and support of open annual enrollment events.

 

Family Plans

Under a "standard" family plan, dependents are covered for a percentage of the Insured’s Principal Sum. A common plan is 50/40/10/15, which covers all eligible dependents based on the composition of the family at the time of loss. The Insured is covered for 100% of the Principal Sum. The spouse is insured for 50% of the Principal Sum if there are no eligible dependent children. If there are eligible dependent children, the spouse is insured for 40% and each child for 10% of the Principal Sum. If there is no spouse, each child is covered for 15% of the Principal Sum.

The Hartford's program is flexible to offer any combination of percentages. In addition, we can provide non-standard family plans or spouse only coverage, child only coverage, employee/spouse or employee/child combinations.

 

 

 

 

Notes:

1.  Air Craft AD&D Coverage - Coverage for policyholder owned, operated, chartered, or leased aircraft is available at an additional cost.
2.  War Risk AD&D Coverage - Coverage for removal of the War Risk exclusion requires approval and pricing from underwriting.
3.  Groups with international exposure will require additional data needs.
4.  Provisions, Hazards, Benefits, and Exclusions are subject to state availability.

 

 

 

 

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.  Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT.  All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.  This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued.  In the event of a discrepancy between this brochure and the policy, the terms of the policy apply.  Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder.  Benefits are subject to state availability.