Accidental Death and Dismemberment (AD&D) coverage pays additional benefits if a death or injuries occur as the result of an accident. We work with employers to provide both employer-sponsored group plans and voluntary group plans for employees.
Employer-Sponsored Group Plans & Voluntary Group Plans
We work with employers to provide both employer-sponsored group plans and voluntary group plans for employees.
- Benefits for accidental injuries that result in loss of limbs, speech, hearing or paralysis
- Benefits for spouses and dependent children
- Benefits for higher education expenses for the college-aged children of an insured
- Additional AD&D features that cover day care expenses, educational costs for the spouse, benefits during an extended coma, as well as many others
- Guarantee Issue amount available
- No Evidence of Insurability required
Insurance products issued by Dearborn Life Insurance Company, 701 E. 22nd St. Suite 300, Lombard, IL 60148. Blue Cross and Blue Shield of Illinois is the trade name of Dearborn Life Insurance Company, an independent licensee of the Blue Cross and Blue Shield Association. BLUE CROSS®, BLUE SHIELD® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.
This page is for illustrative purposes only and is not a contract. Not all products and services may be offered by your employer. For more complete details please consult the policy for actual terms of coverage.
About the Plan
UNM offers Accidental Death and Dismemberment (AD&D) insurance to active benefits eligible employees through The Hartford. AD&D insurance pays you or your designated beneficiary a sum of money in the case of your accidental death or dismemberment. Dismemberment can mean loss of eyesight, hearing, speech, or a bodily limb due to an accident.
Dismemberment can mean loss of eyesight, hearing, speech, or a bodily limb due to an accident.
- Coverage levels are offered in units of $10,000 increments up to $600,000.
Accidental Death and Dismemberment (AD&D) is a voluntary benefit and is 100% employee paid.
Refer to AD&D Life Plan Highlights below for more information.
Choosing or Changing Beneficiaries
If you enroll in UNM’s AD&D insurance, there is an important step to ensure you’re making the most of this important coverage – choosing or updating a beneficiary. A beneficiary is the person who will receive the proceeds of your AD&D insurance should you pass away due to an accidental injury. You can choose anyone as your beneficiary and change your designation at any time. And when you add or change a beneficiary online, your designation becomes effective immediately.
Examples of when to consider your beneficiary designation(s) are marriage, birth or adoption of a child, or divorce.
- Choose (designate) or change your beneficiary or beneficiaries by logging into The Hartford Beneficiary Management portal
- Login Instructions
- Beneficiary Login Assistance- 1-855-396-7655
- The Hartford Beneficiary Guide
Is Your Benefit Coverage Ending?
If your AD&D coverage is ending and you would like to continue coverage under Portability and Conversion with The Hartford, you must return the completed Notice of Continuation form to The Hartford within 31 days after your group coverage terminates, or 15 days from the date the employer signs the form, whichever is later. (This period may be limited to 91 days after group coverage terminates.)
Documents
- Notice of Continuation of Coverage – Application for Life, LTD, and AD&D
Who's Eligible: Employees eligible for full, mid-level or core benefits and retirees
Who’s covered: You and your family members
Who pays the premium: You
UC offers the Accidental Death and Dismemberment (AD&D) plan to help protect you and your family from the unforeseen financial hardship of a serious accident that causes death or dismemberment.
What the Plan Covers
The plan provides $10,000 to $500,000 coverage for accidental death, dismemberment or loss of sight, speech or hearing caused by an accident. It offers three levels of coverage:
- Individual coverage for you only
- Family coverage for you, your spouse or eligible domestic partner and your child(ren). This plan covers your spouse or domestic partner for 60% of your coverage amount. If eligible children are covered, then your spouse or domestic partner is covered for 50% of your amount and each child for 20%.
- Modified family coverage for you and your child(ren). Each eligible child is covered for 20% of your amount.
If you are on leave for health reasons on the day you become eligible for coverage, your coverage starts the day after your first full day at work.
Plan Benefits
The plan provides benefits if the accident results in:
- Death or dismemberment or loss of sight, speech, or hearing caused by an accident
- Paraplegia, quadriplegia, or hemiplegia
- Coma lasting more than 30 days
- Permanent and total disability caused by an accident
In addition to receipt of the principal sum, your family members may also receive the following if you die:
- Special educational benefits for your spouse or eligible domestic partner and/or children
- Your child's higher education costs provided the child is enrolled in an institution of higher education on the day of the accident, or, if the child is a high school student, the child must enroll in an institution of higher education within one year of high school graduation
Day care expenses for covered children under age 13 for up to four years if you die in an accident.
Enrollment
You may enroll in AD&D insurance at any time. Prudential Insurance is the administrator of the AD&D plan.
- Employees: You can enroll on UCPath at any time. After your Period of Initial Eligibility (PIE), you can increase, decrease, cancel, or enroll in coverage by completing the UCPath Benefits eForm: Submit New Form. In the Reason For Request, select Change AD&D.
- Retirees: Use the enrollment form available from Prudential to enroll in coverage. The level of coverage for which you are eligible depends on your level of coverage as an employee. See the plan costs chart for more information.
Plan Costs
See the chart for employee and retiree costs.
To File a Claim
If you need assistance completing the claim form, call UCPath at (855) 982-7284 to work with a beneficiary care coordinator. For reference, UC's policy number is 97000.
Naming Your Beneficiaries
You should designate a beneficiary immediately upon enrolling in AD&D insurance. You may name the same or different beneficiary for your UC Retirement Plan.
You may name more than one beneficiary and specify the percentage that each beneficiary is to receive online or by submitting form UBEN 116. A beneficiary may be a person, trustee or organization.
You can change your beneficiaries at any time. If no beneficiary is named or if your beneficiary is no longer living, any benefits will be paid to your survivors in the following order:
- Surviving legal spouse or surviving domestic partner; or, if none,
- Surviving children, on an equal-share basis; or, if none,
- Surviving parents on an equal-share basis; or, if none,
- Surviving siblings; or, if none,
- The member's estate.
If a family member is covered by AD&D, you are automatically named the beneficiary. You can change this online or by submitting form UBEN 119 (Designation of Alternate Beneficiary).