add employee

AD&D provisions (employee only)

Offering protection beyond basic health coverage, workplace voluntary accident benefits provides supplemental on or off-the-job coverage.

AD&D provisions

Benefit

Loss

Benefit

Education benefit Death Actual expense to a maximum of $5,000 or 5 percent of death benefit per child per year. Payable up to four years for your client’s employee’s dependent children or until age 25. Dependent must be a full-time student beyond 12th grade at a college, university or vocational school on the date of the employee’s death or within 365 days after the death.
Childcare benefit Death Actual expense to a maximum of $5,000 or 5 percent of death benefit per child per year. After your client’s employee’s death, payable up to five consecutive years for employee’s dependent children in a licensed childcare center, or until the child’s 13th birthday.
Spouse training benefit Death Actual expense to a maximum of $5,000 or 5 percent of death benefit for one year after the employee’s death. Survivor must be enrolled as a student in an accredited school on the date of the employee’s death or within 365 days after the death.
Repatriation benefit Death Actual expenses to a maximum of $5,000 if client’s employee dies as a result of an accidental death at least 150 miles from his/her principal place of resident, and there are expenses for preparing and transporting the employee’s body to a mortuary.
Coma benefit Employee is in a coma caused by a body injury; the coma begins within 365 days after the accident; and the person remains in a coma for more than 31 consecutive days. Actual expense to a maximum of $5,000 or 5 percent of death benefit.