Group Accidental Death & Dismemberment

The Standard's AD&D insurance, offered in combination with our Group Life insurance or as independent coverage, provides additional benefits in the event of a covered accidental death or dismemberment. AD&D offers your clients the flexibility and features they need to meet their employees' needs. Coverage is available for employees and their dependents.

Accidental Death and Dismemberment insurance from The Standard includes:

Seat Belt Benefit
Payable in addition to the AD&D amount when an insured 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
One of the most comprehensive packages in the industry, it includes benefits for career adjustment, child care, and higher education.

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 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 employers to manage benefits, reconcile bills and add or remove members.

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

Plus, there's 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.