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What is Accidental Death and Dismemberment Insurance (AD&D)?

Jun 14, 2017 1 min read John Renz

 

Considering it has what is clearly one of the least pleasant names, accidental death and dismemberment (AD&D) insurance actually can do a lot of good.

AD&D insurance is similar to life insurance in that it pays a benefit to your beneficiary(ies) if you die, but only if your death is the result of an accident. But it can also pay a benefit to you, if you have a serious injury that results in the loss of a limb, a hand, foot, sight in one eye, speech or hearing.

This may be smart because accidents are the fourth-leading cause of death for all Americans1. Depending on how you make a living, a loss of a limb, speech or hearing could make it difficult or impossible for you to continue working as you did before an accident.

Accident insurance can help you meet that financial challenge.

 

How to get AD&D insurance

You can buy AD&D insurance policy on your own, but depending on your age, lifestyle, and line of work, it could be costly. Generally, a more affordable option is to purchase it through your employer, union, or professional association, many of which may offer disability insurance as an optional benefit. By purchasing it that way, you’ll take advantage of discounted group rates.  

In fact, many employers offer AD&D insurance as part of your basic life insurance offering, at no additional cost. Contact your employer’s benefits department or look out for your employer’s open enrollment period to learn what your options are.

 

Bottom Line  

Accidental deaths are the fourth leading cause of death of Americans. And a life-changing dismemberment can happen at any time. AD&D insurance may help you provide for your loved ones — or for yourself — if something terrible happens to you.

 

John Renz is a vice president in the Content Center of Excellence at Prudential.

 


Sources:

  • 1 “10 Leading Causes of Death by Age Group, United States - 2013.” National Vital Statistics System, National Center for Health Statistics, CDC.

 

 

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