AD&D Employee Spouse Overview

AD&D stands for "accidental death and dismemberment." This insurance pays a certain amount if you die or lose certain functions because of an accidental injury. Coverage may not be available to your spouse with certain plan designs.


Basic AD&D Employee Only

AD&D is included with basic group term life insurance. It may be purchased with voluntary group term life insurance. AD&D is only available to a spouse on voluntary life insurance. You or your spouse may receive benefits if an accidental injury directly results in loss of life or the loss of certain functions within 180 days of the date of injury (length of time may vary by state).


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 insurance. The benefit amount is the same as the basic life or voluntary life coverage selected.

Stay healthy and fit by following wellness news and tips on Twitter

Get inspired to live healthy

Take charge of your health.

Follow HumanaVitality on Twitter (link opens in new window) 
Free podcasts providing helpful information on topics related to healthcare and benefits

Listen up

Our free podcasts provide concise information about health benefits topics.

Download Humana podcasts
Custom build insurance plans so fit your budget and personalize with extras to suit family needs

Why choose Humana?

With an array of insurance options and extras, Humana lets you build a personalized plan to fit your life, budget, and family.

Find out more about the Humana difference (link opens in new window)