Accidental Death & Dismemberment (AD&D)

AD&D Insurance acts as an added form of protection should a Plan Member suffer a severe accident causing death or a specific loss as identified in the insurer’s Loss Schedule. This benefit is not applicable to all Diocese. Please refer to your benefit booklet for further details.

Coverage for AD&D Insurance is available to match the level of the Basic Life Insurance.

AD&D benefits are payable in addition to Life Insurance should an accident result in death (“double indemnity”).

Examples of covered losses include:

• Life
• Both hands or both feet
• Sight of both eyes
• One hand and one foot
• One hand or one foot and sight of one eye
• One arm or one leg
• Sight of one eye
• Thumb and index finger of one hand
• Speech or hearing in both ears
• Hearing in one ear
• Use of both arms, both hands or both legs
• Use of one arm or one leg
• Use of one hand or one foot


After 365 days of continuous paralysis
• Quadriplegia (Total paralysis of upper and lowers limbs)
• Paraplegia (Total paralysis of both lower limbs)
• Hemiplegia (Total paralysis of one side of body)

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Optional Accidental Death & Dismemberment (AD&D) Insurance

Similar to Optional Life Insurance, Optional AD&D Insurance can be purchased by a Plan Member through payroll deduction. Optional AD&D provides another means to protect against the financial hardship caused by a severe accident.

Optional AD&D Insurance is available with the following features:

• Coverage can be purchased for the Plan Member
• Coverage is available in units of $10,000 up to a maximum of $300,000
• There are no minimum participation requirements
• Evidence of insurability is not required
• Coverage terminates at age 70, or retirement

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Optional Accidental Death & Dismemberment (AD&D) Insurance Rates

A flat, competitive rate for optional AD&D Insurance is available to all member groups.