The Montana University System provides you the opportunity to help protect your loved ones. With Voluntary AD&D coverage, you and your beneficiaries may receive an AD&D insurance benefit in the event of death or dismemberment as a result of a covered accident.

As an eligible employee, you may elect coverage amounts in multiple of $25,000, not to exceed the maximum of $600,000. If you are enrolled in Voluntary AD&D for yourself, you can elect Dependents AD&D insurance. You may enroll your Spouse in multiples of $25,000 up to a maximum of $300,000. Child coverage is available starting at $5,000 up to a maximum of $30,000.

To learn more before you enroll, please read the Voluntary AD&D Coverage Highlights and Certificate of Insurance for information on exclusions, limitations and reductions. To determine the cost, please use the Voluntary AD&D Premium Calculator.