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  • Voluntary AD&D Insurance

    This benefit provides additional protection for you and your family in the event of accidental death or certain accidental injuries. Coverage is purchased in increments of $5,000 with benefits between $10,000 and $200,000. This is in addition to AD&D benefits provided with Basic and Optional Term Life insurance for active employees.

    You can choose from two levels of coverage: you only or you and family. You cannot convert this coverage to an individual policy.

    Minnesota Life is the insurer for Voluntary AD&D insurance.

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  • 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 (having so-called "double coverage"), but a member may not have AD&D coverage as both an employee and a dependent.  

    Signing up for coverage does not require 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. Otherwise, you may sign up if the election of coverage is consistent with a qualifying life event (within 31 days) or during Annual Enrollment. Life EOI approval is not required to enroll. 

    During Annual Enrollment, log in to your account and select Benefits Enrollment to make changes. If you need assistance, contact your benefits coordinator, the Health and Human Services Employee Service Center, 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.