Voluntary AD&D Insurance

Who is eligible for AD&D coverage?

Employees are eligible for Voluntary AD&D insurance. Examples of persons not eligible.

Spouses and children must meet GBP eligibility requirements to be eligible for coverage. A child may be enrolled in Voluntary AD&D under two parents eligible for the GBP. Only children are allowed to have double coverage under Voluntary AD&D; spouses cannot have double coverage.

Signing up for coverage does not required proof of good health, called evidence of insurability (EOI).

How to Enroll

Sign into your account and select Post Hire Change to make changes within 31 days of your hire or rehire. During Annual Enrollment, log in to your account and select Benefits Enrollment to make changes. Otherwise, you may sign up within 31 days of a qualifying life event (QLE), if the election of coverage is consistent with the event or during Annual Enrollment. Life EOI approval is required to enroll. 

If you need assistance, contact your benefits coordinator, accessHR, or ERS.

How much does it cost?

Calculate your rate. The cost of Voluntary AD&D coverage depends on the amount of coverage you purchase. Coverage is purchased in increments of $5,000:

• the minimum coverage available is $10,000, and
• the maximum coverage available is $200,000.

These amounts decrease after age 70.

Self Coverage

Accidental death benefit
 In the event you die as the direct result of an accidental bodily injury, your beneficiary will receive the amount of insurance you selected when you signed up for coverage.Your death must be reported to ERS.

Dismemberment benefit
If you have an accident and suffer one of the covered injuries, you will need to file a Dismemberment Benefit Claims Form. If one covered bodily losses occurs, you will receive AD&D benefits of one-half of your Voluntary AD&D benefit amount. If two or more bodily losses occur at the same time, you will receive AD&D benefits equal to the Voluntary AD&D benefit amount.

Family Coverage

Accidental death benefit  
If a covered family member dies as a direct result of an accidental Bodily Injury, you must report the death to ERS. Your spouse’s benefit is 50% of your amount of coverage.

Your child’s benefit is either:

• 5% of your coverage amount, if there is a spouse who is eligible for the insurance, or
• 10% of your coverage amount if there is no spouse who is eligible for the insurance.

Dismemberment benefit 
If a covered family member has an accident and suffers one of the covered injuries, you will need to file a Dismemberment Benefit Claims. If the participant suffers one of the covered bodily losses, you will receive AD&D benefits equal to one-half of the Voluntary AD&D benefit amount they are eligible for. If the participants suffers two of the covered bodily losses at the same time, you will receive AD&D benefits equal to the Voluntary AD&D benefit amount they are eligible for.