Group Accidental Death & Dismemberment

Accidents occur without warning and can cost your employees a physical loss or their life. Although accidents aren’t within your control, you can protect against the financial burden of them. With Accidental Death & Dismemberment (AD&D) insurance from The Standard, eligible employees and their beneficiaries receive an insurance benefit in the event of death or dismemberment as a result of a covered accident.

The Standard’s AD&D insurance offers competitive features, family-friendly provisions, a variety of plan designs and is available with Group Life insurance or as independent coverage.

Accidental Death and Dismemberment insurance from The Standard includes:

Seat Belt Benefit
Pays an additional benefit to beneficiaries when an employee dies as a result of an automobile accident while wearing a properly utilized seat belt.

Air Bag Benefit
Provides further protection in the event of a covered automobile accident for which the Seat Belt Benefit is payable.

Family Benefits Package
Provides career-adjustment, child-care and higher-education benefits to eligible family members of insured employees who die as a result of an accident.

Repatriation Benefit
Supplies an additional benefit that helps to pay expenses related to transporting the remains of employees who die more than 200 miles from their home. (This option is only available with the AD&D product that is sold separately from the Group Life insurance.)

Line of Duty
Available at an added cost, provides an additional benefit to public safety officers who suffer a covered loss while in the line of duty. (Line of Duty is not available in NY.)

Additional benefits and features are included with coverage or available at an additional cost. Please talk to your local sales and service office for more information.


Administrative Capabilities

Simplified administration (AdminEASESM) is what you'll experience when you select The Standard as your one partner for virtually all your employee benefit needs beyond the medical plan.

It all centers on our processes and administration systems. They make it easy for you to manage your benefits, reconcile bills and add or remove members.

Billing is also simplified. With one bill you can make one payment for Life, AD&D, Short Term Disability, Long Term Disability, Accident, Critical Illness and Hospital Indemnity.

Plus, you'll have the convenience of online features, including:

  • Bill payment
  • Member maintenance
  • Policy documents
  • Life and Disability medical evidence and claims reports
  • Employer disability claim statement
  • Claims submission1


1 Not available for Dental or Vision insurance.