What Is Accidental Death and Dismemberment Insurance 

What Is Accidental Death and Dismemberment Insurance

You often spend time thinking and planning what you want to do with your life. You envision what the future might look like and then make plans accordingly. Life-altering injuries or death are never a part of this picture, but the reality is that they occur for thousands of people each year. Since accidents can happen at a moment's notice, it's hard to plan for these. However, you can ensure you are covered financially by learning more about accidental death and dismemberment insurance.

Prepare for the Unexpected with AD&D Insurance

Accidental death and dismemberment insurance is not as commonly known or discussed as other types of insurance, so you're not alone if you're wondering what is accidental death and dismemberment insurance. Often referred to as AD&D insurance, accidental death and dismemberment insurance is a type of insurance that pays out in the event your death is the result of an accident. It's different from a traditional whole or term life insurance policy in that it also provides payment to you in the event an accident leaves you with injuries that permanently impair you.

What Qualifies as an Accident?

A number of different types of accidents are covered under AD&D policies, but exactly what's covered may vary slightly from policy to policy. Through the table below you can see what's typically covered and what's not typically covered in AD&D policies. It's important that you consider different policies from different providers to ensure you're getting an AD&D insurance policy that meets your needs. We can help you with exploring your different options when it comes to accidental death and dismemberment insurance.

Comparing Types of Deaths Covered in AD&D

Typically Covered in AD&D Typically NOT Covered in AD&D
Car accidents Illness
Falls War Injuries
Drowning Natural Causes
Homicide Suicide

What is Considered Dismemberment?

Also covered under AD&D insurance policies is dismemberment. This component of the insurance policy protects you in the event you have life-altering injuries that permanently impair you as a result of an accident. These injuries typically include permanent paralysis, loss of sight, loss of hearing, or dismemberment that results in the loss of one or more body appendages. Your payout from the policy may vary depending on your exact injuries. For example, losing your thumb will only payout a percentage of the policy since full dismemberment or death didn't occur.

Are There Different Types of Accidental Death and Dismemberment Insurance?

You may have heard people referring to different types of AD&D insurance. While they all serve similar purposes, how they are obtained and paid for can vary. These are the common terms used for different accidental death and dismemberment insurance policies, so it's important that you understand exactly what each means.

  • Basic AD&D Insurance - Most people are offered basic accidental death and dismemberment insurance as part of their employment. Companies typically pay for a basic life and AD&D insurance policy as part of the employee's benefits for working at the company. If you're uncertain if this insurance is already provided for you, contact your local HR representative to learn more. If you find that you do have basic AD&D insurance through your employer, it's important to review the details of the policy and determine if adequate coverage is provided or if additional AD&D insurance is needed.
  • Supplemental AD&D Insurance - In addition to providing a basic life and AD&D insurance policy, companies also typically offer a supplemental package for their employees to purchase if needed. This is what you will want to enquire about if you find that you have a basic AD&D insurance policy through your employer that isn't adequate enough based on the needs of you and your family. As this accidental death and dismemberment insurance is supplemental to the basic provided by the employer, you will be responsible for paying the premiums on this additional policy. Since this is offered through your employer though, you can typically have the premiums deducted from your paycheck each pay period.
  • Voluntary AD&D Insurance - If you are self-employed, unemployed or your employer doesn't offer AD&D insurance, you can still be covered by purchasing voluntary accidental death and dismemberment insurance. This type of AD&D insurance is offered directly from insurance companies, so anyone can purchase it at any time. At TermLifeInsuranceUSA.com, we can help you learn more about the different AD&D policies offered through insurance companies.

Do I Still Need a Beneficiary for AD&D Insurance?

As part of your accidental death and dismemberment insurance coverage, you will still need to list a life insurance policy beneficiary who will receive the payout of the policy in the event you die and your death is the result of a reason covered under the policy. Your beneficiary should be aware that it may take extra time for the AD&D policy to pay out as it may require an autopsy to be performed. This provides confirmation to the insurance company that your death was the result of an accident and not a condition that is not covered by the policy.

2016 Leading Causes of Death (per the CDC)

Accidental deaths were the third leading cause of death in 2016 according to the table below from the Center for Disease Control and Prevention. More people die unexpectedly as a result of an accident than they do from stroke, diabetes, Alzheimer's disease, the flu or suicide. You can ensure you and your loved ones are prepared by inquiring today about what is accidental death and dismemberment insurance, or if you would rather find life insurance agents online and talk to an expert as soon as possible, fill out our fast and easy form today.

Rank Cause of Death Number of Deaths
1 Heart Disease 635,260
2 Cancer 598,038
3 Accidents (unintentional injuries) 161,374
4 Chronic lower respiratory diseases 154,596
5 Stroke 142,142
6 Alzheimer's Disease 116,103
7 Diabetes 80,058
8 Influenza and pneumonia 51,537
9 Nephritis, nephrotic syndrome and nephrosis 50,046
10 Suicide 44,965

Disclaimer: TermLifeInsuranceUSA.com is not a licensed insurance agency or broker. The content of this website is for informational and comparative purposes only and is not intended to take the place of professional advice from a licensed insurance agent. TermLifeInsuranceUSA.com recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.

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