Basic AD&D Employee & Spouse
The AD&D benefit amount is the same as the basic life or voluntary life coverage selected. If an accidental injury directly results in loss of life or the use of certain functions within 180 days (may vary by state) of the date of injury, an employee and spouse receives certain benefits.
Supplemental AD&D Employee & Spouse
This supplemental policy allows you to increase your AD&D coverage amount. AD&D is only available to a spouse on voluntary life. The benefits amount is the same as the basic life or voluntary life coverage selected.
Residents of Texas must have continuous coverage a minimum of 30 days to qualify for AD&D coverage.
In Maryland, these benefits not available: seat belt – airbag – helmet.