Accidental Death & Dismemberment (AD&D)

Accidental Death & Dismemberment (AD&D)  

Accidental Death & Dismemberment (AD&D)

Valuable protection on or off the job.

Because accidents happen.

Eligible Employees have the opportunity to take advantage of accidental death & dismemberment (AD&D) insurance, which provides additional financial protection for covered injuries that are the result of a covered serious accident. It also covers the accidental loss of life.

 

AD&D can help to pay for unexpected costs, such as:

  • Child care and education.
  • Spouse job training.
  • Rehabilitation or trauma counseling.
  • Home alterations and vehicle modification.

 

Keep in mind, this coverage shouldn’t be a replacement for life insurance or major medical insurance as it provides accident-only coverage.


The content in this portal is for informational purposes only and contains words and phrases that have special meanings. These words and phrases appear in the General Definitions section. The Certificate of Insurance (Certificate), provided to you once coverage has been issued, will contain the specific information on each benefit, and additional information (including the eligibility rules for participation) can be found in the Insperity Welfare Benefits Plan Summary Plan Description (SPD).

 

Note: The information provided is for voluntary (employee-paid) AD&D insurance. If you want information for basic (employer-paid) AD&D insurance, access Insperity PremierTM, or call the Insperity Contact Center at 866.715.3552.

 

*Formerly known as Personal Accident Insurance.

Option 1


Apply
Now


Option 2


Download a Paper Application

Complete, sign and date the enrollment application and return to Cigna at the address shown on the form or via email at DSM_CignaCustomerSupport@infymccservices.com.

 

If you have questions, please call 800.231.1193 to speak to a Cigna representative (Monday through Friday, 8 AM to 5 PM CST or 9 AM to 6 PM EST).

My Benefits

  • Who is Eligible for Coverage?

    If you are an Eligible Employee, coverage is available for you and your Spouse/Domestic Partner (if he or she is under age 70).

     

    Your dependent children are also eligible from live birth to 26 years of age (or dependent children 26 years of age or older who are primarily supported by you and incapable of self-sustaining employment because of a mental or physical disability).

     

    No one can be covered more than once under this plan. If you are covered as an Eligible Employee, you cannot also be covered as a dependent.

  • How Much Coverage Can You Buy?

    Coverage for you

    If you are an Eligible Employee, you may purchase coverage in the following amounts:

    • Select from 1-6 times your Covered Earnings rounded to the next higher $1,000, if not already an even multiple.
    • The maximum coverage amount is $2,500,000, or 6 times your Covered Earnings, whichever is less.

     

    Coverage for your family

    Each family member’s coverage is a percentage of the benefit amount you select. It will depend on who your insured family members are at the time of a covered accidental loss.

    • If you select family coverage for you and your Spouse/Domestic Partner and you have no children, your Spouse/Domestic Partner will be covered for 60% of your benefit amount.
    • If you have dependent children but no Spouse/Domestic Partner, your dependent children will be covered for 15% of your benefit amount.
    • If you select family coverage and have a Spouse/Domestic Partner and dependent children, your Spouse/Domestic Partner will be covered for 50% and your children for 10% of your benefit amount.
    • The premium is the same, regardless of the number of dependent children covered.
    • The maximum benefit for a Spouse/Domestic Partner is $1,500,000; for dependent children, the maximum benefit amount is $50,000 per covered child.
  • Benefit Reductions

    When the covered employee reaches age 70, benefits will be reduced to 70% of the benefit amount selected; at age 75, 45%, at age 80, 30% and at age 85, 15%.

     

    Coverage for your Spouse/Domestic Partner ends when they attain age 70.

  • Monthly Cost of Insurance

    Use this chart to help you figure out the cost of monthly AD&D insurance coverage. You pay your premiums through payroll deduction unless you are on an unpaid leave of absence, in which case you will be required to pay via check. The total depends on how much coverage you select.

    Monthly Cost of Insurance
    Employee only $0.016 per $1,000 of coverage
    Employee and Family $0.026 per $1,000 of coverage

    Note:

    AD&D is paid for with after-tax dollars. Rates are subject to change.

     

  • A Valuable Combination of Benefits

    We will pay benefits if you, or an insured family member, are seriously injured in a covered accident that results in dismemberment, loss of eyesight, speech and hearing, and paralysis. 

     

    If you suffer multiple covered losses in one covered accident, you’ll receive only one benefit—the largest benefit to which you’re entitled. See your plan’s Schedule of Covered Losses below for details.

    Schedule for Covered Losses

    If, within 365 days of covered accident,
    bodily injures result in:
    Cigna will pay this % of benefit amount:
     

    You and Your Spouse/
    domestic partner

    Your Children

    Loss of life 100% 100%
    Dismemberment
    Loss of two or more hands or feet 100% 200%
    Loss of one hand or one foot and sight in one eye 100% 200%
    Loss of one hand or foot 50% 100%
    Loss of thumb or index finger of the same hand 25% 50%
    Loss of four fingers of the same hand 25% 50%
    Sensory loss
    Loss of sight of both eyes 100% 200%
    Loss of speech and hearing (in both ears) 100% 200%
    Loss of sight in one eye 50% 100%
    Loss of speech 50% 100%
    Loss of hearing (in both ears) 50% 100%
    Paralysis
    Quadriplegia 100% 200%
    Paraplegia 50% 100%
    Hemiplegia 50% 100%
    Note: Only one benefit (the largest) will be paid for losses from the same accident.
  • Other Benefit Features

    Some accidents could seriously affect your finances—especially if extensive rehabilitation is needed. That’s why AD&D insurance gives you these additional benefits to help meet special needs.

     

    Child-care center benefit

    We will pay a benefit to help pay for each of your children’s daycare expenses if you, or your insured Spouse/Domestic Partner, dies because of an accident. We’ll pay up to 3% of your total coverage each year but not more than $3,000 a year, until the child turns 13. We’ll send the payments to the dependent child’s surviving custodial parent or legal guardian.

     

    There are certain limitations:

    • Your surviving child must be under age 13.
    • Your surviving child must be enrolled in a licensed day care center at the time of your covered accident, or within 90 days of your accidental death.

     

    Increase accidental injury benefit for children
    We will pay double the dependent child’s coverage amount if your insured dependent child suffers an accidental injury. The maximum payment amount is $100,000. Restrictions apply. If the dependent child dies within 90 days of the accident, you will receive the death benefit only.

     

    Seat belt and air bag benefits
    We will automatically increase the benefit amount by 10% if you, or an insured family member, die in a motor vehicle accident while wearing a seat belt. Maximum benefit is $25,000.

    We will automatically increase the benefit amount by 5% if you, or an insured family member, die in an accident while positioned in a seat protected by an air bag that properly inflated on impact. Maximum benefit is $12,500.

    We will pay $1,000 if it isn’t clear whether the Insured had been wearing a seat belt, and/or if the air bag inflated properly upon impact.

    Restrictions, limitations and exclusions apply as outlined in the Certificate.

     

    Education benefit
    If you die in a covered accident, we will provide benefits for training or education, as follows:

    For your children. If you die in a covered accident, we will pay an extra benefit for each insured dependent child who is enrolled in college or is in the 12th grade and enrolls in college within one year of the accident. To help pay college expenses, we will increase your benefit amount by actual charges up to 5% or $5,000 (whichever is less), for each qualifying child. This benefit is payable each year for four consecutive years, as long as your dependent children continue their college education.

    For your Spouse/Domestic Partner. If, within one year of your death in a covered accident, your Spouse/Domestic Partner enrolls in an accredited school to gain skills needed for employment, we will pay the actual cost of this education or training program for up to one year after enrollment begins, up to $5,000. If your Spouse/Domestic Partner doesn’t elect this education program and you have no dependent children, we will pay an additional $1,000 to your beneficiary.

     

    Exposure and disappearance benefit Benefits are payable if you suffer a covered loss due to unavoidable exposure to the elements as a result of a covered accident. If your body is not found within one year of the disappearance, wrecking or sinking of the conveyance in which you were riding, on a trip otherwise covered, it will be presumed that you sustained loss of life as a result of a covered accident.

     

    Coma Benefit
    If you, your Spouse/Domestic Partner, or your children are in a coma as a result of a covered accident, we will pay a Coma benefit as long as the insured person entered the coma within 31 days of the accident. We will make 11 monthly payments, provided the person remains in a coma during this period. If the person recovers, the payments will stop.

    If the insured person dies while the monthly Coma benefit payments are being made, or if the insured person remains in a coma after the 11 monthly payments have been made, he or she will be entitled to a lump-sum payment equal to the full benefit amount.

  • When Your Coverage Begins and Ends

    Coverage for You (and your Dependents, if applicable,) will start on the date we receive your completed and signed application form.

     

    If you are not actively at work on the date coverage would become effective, coverage will become effective on the first day the employee returns to Active Service.

     

    Your coverage will end on whichever comes first:

    • Insperity cancels the group policy.
    • You are no longer an Eligible Employee.
    • You don’t pay the premiums.

     

    Spouse/Domestic Partner or dependent children coverage will end on whichever comes first:

    • Your coverage ends.
    • Their premiums are not paid.
    • They’re no longer eligible.

     

    Changing from the Group Plan to Individual Coverage
    If your coverage ends before you reach age 70, for any reason except nonpayment of premium, you can convert to an individual policy. Proof of good health is not required.

    To continue your coverage, you must apply for the conversion policy and pay the first premium within 31 days after your group coverage ends. Family members may convert their coverage as long as they have not reached the maximum age limitation.

    Converted policies are subject to certain benefits and limits, as outlined in your policy. Contact Cigna directly for additional information at 800.231.1193

  • Exclusions

    Plan benefits are not payable if:

    • An injury or a loss results, directly or indirectly, from or is caused by, self-inflicted injuries or suicide while sane or insane;
    • There is a commission or attempt to commit a felony or an assault;
    • There is any act of war, declared or undeclared;
    • An injury or a loss results from sickness, disease, physical or mental impairment, or surgical or medical treatment thereof, or bacterial or viral infection, regardless of how contracted. (This does not include bacterial infection that is the natural and foreseeable result of an accidental external cut or wound or accidental food poisoning.)
    • The loss occurs while the covered person is voluntarily using any drug, narcotic, poison, gas or fumes except one prescribed by a licensed physician and taken as prescribed (Accidental ingestion of a poisonous substance is not excluded.);
    • Injuries are sustained while you are on full-time active duty in the armed forces for more than 30 days;
    • Traveling in an aircraft that is owned, leased or controlled by Insperity (an aircraft will be deemed to be ‘’controlled’’ by Insperity if the aircraft may be used as Insperity wishes for more than 10 straight days, or more than 15 days in any year);
    • Flying in, boarding or alighting from an aircraft or any craft designed to fly above the earth’s surface, (except as a passenger on a regularly scheduled commercial airline) that is:
    • An ultra-light or glider, designed to be used in outer space;
    • Being used by any military authority, except the Air Mobility Command or its foreign equivalent;
    • Being flown by the covered person or in which the covered person is a member of the crew;
    • Being used for any operation that requires a special permit from the FAA, even if it is granted (this does not apply if the permit is required only because of the territory flown over or landed on)
  • Designating Your Beneficiary

    You can designate your beneficiaries during the enrollment process and maintain your beneficiaries online once your coverage is issued by clicking on My Account.

    If the listed beneficiary is a trustee or a trust, you will need to enter the trustee's name, the name of the trust and the date of the trust agreement. The trust document must be presented in order for the claim to be processed.

     

    Need To Access Or Designate Your Beneficiaries?

    Below are steps to access your beneficiary designations online:

    • Click on the My Account.
    • Click on one of the coverages from the list displayed.
    • Click on Beneficiary Information link.
    • Click on “Edit” for whichever coverage you want to designate a beneficiary.
    • Read the agreement, check the box and click “Continue” to the Beneficiary Designation page.
    • Complete the information on the Beneficiary Designation page.
    • Print the confirmation for your records.

     

    You can also designate and/or change beneficiaries using the Beneficiary Designation form.

  • General Definitions

    Understanding these words and phrases may be helpful as you read through the information about AD&D insurance.

     

    Active Service

    An employee is in active service on a day which is one of the employer’s scheduled work days if either of the following conditions are met.

    • The employee is performing his or her regular occupation for the employer on a full-time basis at one of the employer’s usual places of business or at some location to which the employer’s business requires an employee to travel.
    • The day is a scheduled holiday or vacation day and the employee was performing his or her regular occupation on the preceding scheduled work day.

     

    An employee is in active service on a day which is not one of the employer’s scheduled work days only if he or she was in active service on the preceding scheduled work day.

     

    Affordable Care Act (ACA)

    The federal health care reform legislation that was enacted in 2010, as amended.

     

    Applicable Large Employer (ALE)

    An employer that employed, on average, at least 50 full-time employees (including full-time equivalent employees), as defined by the ACA, on business days during the preceding calendar year. Contact Insperity if you have questions concerning ALE determinations and whether you are an employee subject to these rules.

     

    Benefits Eligibility Date

    The first date you are eligible to become covered following satisfaction of any required waiting period (as provided in your enrollment materials).

     

    Covered Earnings

    For Full-Time employees, Covered Earnings is your base annual salary, plus actual earnings for the previous 12 months. For part-time employees, this is actual earnings for the previous 12 months. If the employee has been employed for less than 12 months, actual earnings will be annualized.

    Covered Earnings includes commissions, piece-work and fee based work. It does not include bonuses, overtime pay, special pay or another form of extra compensation.

     

    Domestic Partner

    A person (of the same or opposite sex as the eligible employee) engaged in a spouse-like relationship with the eligible employee characterized by mutual caring and dependency. In addition, the eligible employee and domestic partner have to (a) be registered as domestic partners under any governmental law or ordinance or civil union law creating legal rights and obligations similar to marriage; or (b) satisfy all of the following requirements:

    • Reside in the same residence, share financial obligations (including basic living expenses) and have been each other’s sole and exclusive partner (and have publicly represented themselves as such) consistently for the prior 12-month period.
    • Not be related by blood or marriage to a degree of closeness that would prohibit marriage under the laws of the state in which they reside.
    • Be at least 18 years of age and less than 70 years of ago.
    • They are each mentally competent to consent to contract.
    • Neither is in the relationship solely for the purpose of obtaining benefits coverage.
    • Be engaged in a committed relationship of mutual caring and support and be jointly responsible for their common welfare and living expenses, as evidenced by documentation from at least two of the following sources:
    • Common ownership of real property (joint deed or mortgage agreement) or a common leasehold interest in real property.
    • Common ownership of a motor vehicle. — Proof of a joint bank account or credit accounts.
    • Proof that the domestic partner is the eligible employee’s primary beneficiary for life insurance or retirement benefits, or the primary beneficiary under the eligible employee’s will, or vice versa.
    • Proof that the employee or domestic partner has executed a durable power of attorney or health care power of attorney, naming the other as attorney-in-fact.
    • Registration of a domestic partnership under a domestic partner or civil union law that does not create rights or obligations similar to marriage

    Important Note: In order to file a claim for benefits, proof of the domestic partnership as indicated above must be furnished the same as proof of a marriage. If you are applying for domestic partner coverage, it is recommended that you retain a notarized affidavit along with the documentation set forth above, or proof of your domestic partner registration, in case required for a claim submission. Claim payment may be delayed if this information is not on file with the insurer at the time the claim is made. An Affidavit of Domestic Partnership form may be found on the Insperity PremierTM Platform, or by contacting Insperity toll-free at 866.715.3552

     

    Eligible Employees

    The Plan administers two sets of eligibility rules – one for employees of a non-ALE company and one for employees of an ALE company, as described below and in the SPD.

     

    Employees of a Non-ALE Company

    You are an Eligible Employee if your benefits package from Insperity includes coverage under the Plan and you are:

    • A Full-Time Employee. A full-time employee of Insperity who is working 30 hours or more per week (20 hours in Hawaii) on average.
    • A Full-Time Employee on a Leave of Absence. A full-time employee of Insperity who meets the requirements for continuing eligibility during an approved leave of absence.

     

    Employees of an ALE Client Company

    You are an Eligible Employee if your benefits package from Insperity includes coverage under the Plan and if you are:

    • A Full-Time Employee. A full-time employee of Insperity who is working 30 hours or more per week (20 hours in Hawaii) on average.
    • A Part-Time or Seasonal Benefits Eligible Employee. A part-time or seasonal employee of Insperity who is also employed by an ALE Client Company and has been determined to be eligible for benefits as described below.
    • An Employee on a Leave of Absence. An employee in either of the two categories described above, who meets the requirements for continuing eligibility during an approved leave of absence.

     

    Eligibility for employees of an ALE Client Company will be determined based on hours worked during the employee’s Measurement Period. Once the employee is determined by Insperity to be eligible for benefits, eligibility will be retained during the Stability Period associated with that Measurement Period (regardless of any changes in hours worked during the Stability Period).

     

    Certain exclusions may apply. Please see the Certificate for more information.

  • Apply Today - Important Tips for Applying for Coverage Online

    You can apply For Group Universal Life Insurance Online by using the "Apply Now" button to the right. Or, you can Complete An Application and submit to Cigna.

     

    Important Tips For Applying For Coverage With Cigna Trusted Advisor

    • Online applications for each voluntary benefits program will open in separate browser windows.
    • Online applications for each voluntary benefits program will need to be completed, electronically signed and submitted individually.
    • Once an application has been submitted, close the application window and start the next application by clicking “Apply Now” below.
    • For your protection, an online application will time out after 30 minutes of inactivity; any un-submitted applications will NOT be saved.
    • Do not use the “Back” button in your browser; you will have the option to edit your application when you see the “Edit Application” button before each application is completed.
    • In the event you need to access Insperity PremierTM, it will remain open in a separate Internet browser window (you may be asked to log in again, depending upon the length of inactivity).

FAQs

  • Do I have to provide proof of good health?

    No. You do not need to provide proof of good health regardless of the coverage amount you are applying for.
  • Am I protected in remote areas of the world?

    Yes - Cigna Secure Travel® can arrange and cover the cost of transportation to get you to a different hospital or medical facility or to be repatriated to your place of residence for treatment. And, in the event of a fatality, we’ll arrange and cover the cost of transporting remains back to the country of origin
  • Are there any other programs I should know about?

    Yes. Our Accidental Death & Dismemberment (AD&D) insurance plan includes many value-added programs, offered at no additional cost, to help you and your family maintain your health, well-being and sense of security throughout your lifetime. To see which programs are available to you select "Value-Added Programs" from the menu above.