Accidental Death & Dismemberment (Countrywide)

• Request for Quote
• Eligible Groups
• Eligible Persons
• When Are They Covered?
• Description of Benefits
• Plans
• Tailored Programs
• Optional Benefits
• Exclusions
• Dependents Coverage
• Billing

 

How do I get an AD&D quote from The Hartford?

All quoting will be done by The Hartford. To obtain a quote, please contact your local Group Sales Representative or your Regional Accident Sales Consultant. The following information is required to obtain a quote:

• Name/address of business or organization.
• Nature of business or organization.
• Number of eligible lives (salaried & hourly)
• Desired Plan Type, Principal Sum/Limits, Optional Benefits, and Dependent Coverage Type

The following information is not required to quote, but will assist us in providing you with the most comprehensive coverage at the most affordable rates:

• Current booklet or Summary Plan Description (if coverage is in force)
• Current census, with enrolled participants if possible
• 3 – 5 years paid premium and paid claims (if group is over 500 lives)
• Current rates and volumes

Eligible Groups

The ADD program is generally available on a countrywide* basis to the following organizations:

1. Any corporation, partnership, individual employer, or any government corporation, agency or department with 10 or more employees.
2. Some professional or trade associations, labor unions, or any other associations formed for purposes other than insurance may be eligible for coverage.

*At time of quote, The Hartford will provide you with state restrictions, if any.

Eligible Persons

Each employee or member of the policyholder is eligible for insurance under the policy. If the plan includes dependent coverage, the insured's spouse and unmarried children who are less than age 19 (23 if a full-time student and primarily dependent upon the insured for support) will be eligible for insurance.

When Are They Covered?

Insureds (and if family coverage is purchased, their eligible dependents) are covered 24 hours a day anywhere in the world, whether at home, on the job, or while traveling.

Description of Benefits

Accidental Death and Dismemberment - The standard AD&D benefit is always included in the plan. It may be purchased alone, or in conjunction with other benefits.

This AD&D benefit provides the full Principal Sum in the event of accidental loss of life, two limbs, the sight of both eyes, one limb and the sight of one eye, or speech and hearing. One-half the Principal Sum is payable for loss of one limb, sight of one eye, or speech or hearing. One-quarter the Principal Sum is payable for loss of thumb and index finger of the same hand.

Plans

The AD&D 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 who enroll in the program are covered. Most voluntary plans allow employees or members to cover their spouse and children. The employee or member pays the premium under a voluntary plan.  The Hartford is an expert in the voluntary marketplace and will provide enrollment support for its voluntary AD&D programs.

Tailored Programs

• War Risk AD&D Coverage- Available to cover Insureds for acts of war (whether declared or undeclared) resulting in death or dismemberment in specific countries including Iraq, Afghanistan, Israel and many others.
• Air Craft AD&D Coverage- Available to cover Insureds for air craft accidents resulting in death or dismemberment, including pilots and crewmembers, on various private and commercial air craft types.
• Occupational AD&D- Available on a mandatory basis to an employer to cover their employees for accidents resulting in death or dismemberment while working on the job, including while traveling on a business trip.
• Truckers Occupational Program- Available to motor carriers to cover their independent owner-operator truckers.
• Match your Life Insurance Benefit or Carve Out the AD&D separately

Optional Benefits

The following are benefits that could be paid in addition to the Accidental Death and Dismemberment Benefit.  Living Benefits are specific contractual provisions tailored to provide the Insured additional payments or benefits in the event of a covered loss in which does not result in death in order to assist them with their new challenges and lifestyle.  Survivor Benefits are specific contractual provisions tailored to provide the Insured’s beneficiaries with assistance in dealing the Insured’s death and their life afterwards.  The Enhanced AD&D benefits are specific contractual provisions that allow for easier administration and greater coverage for the Insured Person.

Living Benefits

Accelerated Benefit - Allows a portion of the Principal Sum to be paid while the Insured Person is still living if the injury results in a life expectancy of 6 months or less.

Accidental Hospital Indemnity Benefit - Provides a monthly benefit when injury due to an accident results in hospital confinement.

Adaptive Home and Vehicle Benefit - Provides a benefit if a covered loss, other than loss of life, occurs and expenses are incurred for alterations to the principal residence to make it accessible or to the private automobile to make it driveable or rideable.

Coma Benefit - Provides 1% of the Principal Sum for each month a person remains in a coma due to a covered accident.

Critical Burn Benefit - If an insured is burned and permanently disfigured over at least 25% of his/her body, a benefit will be paid.

Extended Care Facility - Pays a benefit if the insured is confined in an extended care facility due to a Permanent Total Disability.

HIV Occupational Accident Benefit - If HIV is contracted due to an injury on the job, a benefit will be paid.

Paralysis - The full Principal Sum is payable for covered accidents resulting in quadriplegia, 75% of the Principal Sum for triplegia, 75% of the Principal Sum for paraplegia, 50% of the Principal Sum for hemiplegia, or 25% of the Principal Sum for uniplegia.

Permanent Total Disability - Provides a full Principal Sum, less any amount paid or payable under the Accidental Death and Dismemberment Benefit, if a covered accident results in total disability within 365 days of the accident. Payout can be lump sum, monthly or weekly. Available for employees or members and spouses.

Rehabilitation Benefit - Provides a benefit for a covered loss, other than loss of life, for training to prepare a person for work he/she would not otherwise have done.

Therapeutic Counseling Benefit - Provides a benefit if a covered loss, other than loss of life, occurs and therapeutic counseling is needed due to the loss.

Traumatic Brain Injury - Pays a benefit if there is permanent, complete and irreversible injury to the brain.

Waiver of Premium - Premium is waived for any period of total disability.

Survivor Benefits

Bereavement Counseling Benefit - If the insured dies from a covered accident, this benefit will pay a counseling benefit to his/her dependents up to $500/person.

Common Disaster Benefit - This benefit increases the spouse's Principal Sum to equal the Insured Person's Principal Sum if both die in the same covered accident.

Continuation of Medical Coverage Benefit - An annual benefit for 3 years would be paid if the employee loses his or her life in a covered accident and the covered dependent(s) chose to continue their medical coverage in accordance with COBRA.

Day Care Benefit - If the Insured (or covered spouse, optional) loses his or her life in a covered accident, this benefit will provide an annual payment for up to 4 years for child day care expenses.

Dependent Child Dismemberment Benefit - The amount payable for a child's dismemberment will be doubled under this benefit.

Double Indemnity on a Common Carrier - This benefit doubles the Principal Sum payable under the Accidental Death and Dismemberment benefit if loss occurs while a passenger on a common carrier.

Education Benefit - If the Insured (or covered spouse, optional) loses his or her life in a covered accident, an annual payment for up to 4 years is payable if the covered dependent child is unmarried and a full-time student in an institution of learning. If no child qualifies for this benefit, a minimum amount will be paid.

Extended Dependents Benefit - If the Insured dies in a covered accident, the premium for the Covered Dependents will be waived for up to 1 year.

Extended Felonious Assault - Pays a benefit if a loss is incurred due to a criminal act (such act must be considered a felony under the law) - available on a business-hours-only basis or on a 24-Hour basis.

Felonious Assault Benefit - If loss is due to a felonious assault while an employee is performing his or her occupational duties, a benefit in addition to the Accidental Death and Dismemberment Benefit will be payable.

Funeral Expense Benefit - Provides a benefit for funeral expenses when a covered loss of life occurs.

Repatriation Benefit - Provides payment for preparation and transportation of the body for cremation or burial for covered loss of life occurring outside the state of residence.

Seat Belt & Air Bag - Provides an additional benefit while riding in an automobile if covered loss occurs while wearing a seat belt and the air bag inflated.

Spouse Education Benefit - Provides a benefit for a covered spouse, upon the covered death of the employee, for occupational training to prepare a person for work not previously qualified for.

Survivor Benefit - Provides a monthly benefit for a surviving covered spouse upon the covered accidental death of the spouse.

Enhanced AD&D Benefits

Anti-Inflation Benefit - Provides for the Principal Sum under the Accidental Death and Dismemberment Benefit to be automatically increased on an annual or bi-annual basis.

Conversion Privilege - Allows an insured to convert his or her coverage to an Accidental Death and Dismemberment conversion policy.

Newborn - Provides 31 days free coverage for newborns.

Newlywed - Provides 31 days free coverage for new spouse of insured.

These optional benefits are available in most states. At time of quote, you will be provided with any restrictions.

Exclusions

The policy does not cover any loss resulting from: intentionally self-inflicted injury, suicide or attempted suicide; war or act of war, whether declared or undeclared; injury sustained while full-time in the armed forces of any country or international authority; injury sustained while On any aircraft as a (a) pilot, crewmember or student pilot, (b) as a flight instructor or examiner, (c) if it is owned, operated or leaded by or on behalf of the Policyholder, (d) being used for tests, experimental purposes, stunt flying, racing or endurance tests; injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician;  injury sustained while riding or driving in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds; injury sustained while committing or attempting to commit a felony; injury sustained [while driving] while Intoxicated.

Note: For additional premium, many of these exclusions can be removed.

Dependents Coverage

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.

Billing

AD&D coverage is billed to the group Policyholder on a monthly basis.  Typically, rates are per $1,000 of coverage and are based on the total amount Employee and/or Family volume of coverage.  If the Policyholder has Group Life or Disability coverage through The Hartford, then we have the ability to add the AD&D to the same bill.  Typically, these are Self-Administered Bills, where the Policyholder provides the volumes and remits premiums.  We do have some limited capabilities to offer a list bill option with collateral Life coverage.