Offered as an option in combination with our Group Life insurance, The Standard's AD&D provides additional benefits in the event of a covered accidental death or dismemberment. AD&D builds upon the foundation laid with Group Life insurance, and offers your clients the flexibility and features they need to meet their employees' needs.
No evidence of insurability requirement
Dependent coverage available
Seat Belt Benefit in addition to AD&D amount when an insured employee dies as a result of an automobile accident while wearing a seat belt
Air Bag Benefit, which provides further protection in the event of a covered automobile accident for which the Seat Belt Benefit is payable
One of the most comprehensive Family Benefits Package in the industry, including benefits for Career Adjustment, Child Care and Higher Education; package is automatically added to all AD&D policies; offered with all group Life policies that include AD&D
Optional Expanded AD&D Package available to include Occupational Assault, Public Transportation (Common Carrier), Exposure (e.g., adverse weather conditions), Disappearance, Quadriplegia, Paraplegia, Hemiplegia, Loss of Hearing in Both Ears or Loss of Speech, Loss of Thumb and Index Finger of the Same Hand, and Reattachment of Hand or Foot Benefits
Line of Duty Benefit available as an option to public employer groups to provide eligible public safety officers an additional benefit if they suffer a loss for which an AD&D Benefit is payable, and the loss is the result of a covered line-of-duty accident
The Standard offers a separate AD&D product that employers can purchase independently from our Group Life insurance coverage. Stand-alone AD&D provides benefits in the event of a covered accidental death or dismemberment.
Amounts available in increments of $25,000, up to $500,000
No evidence of insurability required
Dependent coverage available
Benefit payments available through Standard Secure Access for claims of $10,000 or more
