Accidental Death and Dismemberment (AD&D) insurance provides an extra layer of financial protection if you or a covered family member experiences a serious accident. Coverage is available to all benefit-eligible faculty and staff, with the option to include eligible family members. Eligible retirees who enrolled in the plan prior to retirement may also continue coverage, with benefit amounts reducing based on age.
Plan Availability
Plan Availability
Accidental Death and Dismemberment (AD&D) insurance is available to benefit-eligible faculty and staff. This voluntary coverage is 100% employee-paid and may be elected in $25,000 increments up to a maximum of $150,000 with the option to purchase coverage for eligible family members as a percentage of your own coverage.
Eligible retirees who enrolled in the plan prior to retirement may continue AD&D coverage, which is 100% retiree-paid and available in $10,000 increments up to a maximum of $50,000. Retiree coverage amounts are reduced based on age as of January 1 for the plan year; see the Reduction Amount for Retirees section for additional information.
For more information on eligibility for benefits coverage, including covering dependents, see Benefit Eligibility & Program Structure.
Costs
Costs
Active Employee
Self Only Premiums
Monthly premium cost* for active employees by coverage level per amount listed:
- $25,000 coverage: $0.35
- $50,000 coverage: $0.70
- $75,000 coverage: $1.05
- $100,000 coverage: $1.40
- $125,000 coverage: $1.75
- $150,000 coverage: $2.10
*Premiums for faculty on a nine-month contract paid over nine months are different. For more information, visit Premiums for 9-month faculty paid over 9 months.
Active Employee
Self & Family Premiums
Monthly premium cost* for active employees by coverage level per amount listed:
- $25,000 coverage: $0.50
- $50,000 coverage: $1.00
- $75,000 coverage: $1.50
- $100,000 coverage: $2.00
- $125,000 coverage: $2.50
- $150,000 coverage: $3.00
*Premiums for faculty on a nine-month contract paid over nine months are different. For more information, visit Premiums for 9-month faculty paid over 9 months.
Retiree
Self Only Premiums
Monthly premium cost for eligible retirees, by coverage level per amount listed:
- $10,000 coverage: $0.35
- $25,000 coverage: $0.875
- $50,000 coverage: $1.75
Retiree
Self & Family Premiums
Monthly premium cost for eligible retirees, by coverage level per amount listed:
- $10,000 coverage: $0.47
- $25,000 coverage: $1.175
- $50,000 coverage: $2.35
Reduction in Amount for Retirees
Reduction in Amount for Retirees
Coverage amounts are reduced for retirees based on age as of January 1 for the plan year.
| Coverage at Retirement | Age 70¨C74 (as of Jan. 1) | Age 75¨C80* (as of Jan. 1) |
|---|---|---|
| $50,000 | $25,000 | $10,000 |
| $25,000 | $25,000 | $10,000 |
| $10,000 | $10,000 | $10,000 |
* Coverage ends on December 31 of the plan year in which you turn age 80.
Plan Documents & Resources
Plan Documents & Resources
Notice of Nondiscrimination
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