Accidental Death and Dismemberment (AD&D) insurance provides around-the-clock coverage for employees in the event of accidental death, severe injuries, or paralysis resulting from accidents on or off the job.

• Benico, Ltd. offers a variety of AD&D coverages through the carriers it represents to help round out employee benefit packages, and several innovative features add even greater value to these products, showing your concern for your employees' financial security while maintaining operating costs.
  

Basic Accidental Death & Dismemberment (AD&D): Generally employer-paid, Basic AD&D typically provides an accidental death benefit equal to an employee's basic term life insurance amount. Basic AD&D also provides specified percentages of an employee's basic accidental death benefit amount for qualifying injuries.

Optional Accidental Death & Dismemberment (Optional AD&D): Employee-pay-all (voluntary) Optional AD&D coverage is available for employees as a "double indemnity" death benefit when coupled with Optional Term Life and death occurs from an accident. In addition, specified percentages of an employee's optional accidental death benefit are provided for qualifying injuries.

Dependent Accidental Death & Dismemberment: Employee-pay-all (voluntary) Dependent AD&D coverage is available for spouses and eligible dependent children.

Voluntary Accidental Death & Dismemberment Insurance (Voluntary AD&D): An employee-pay-all (voluntary) coverage that allows employees to choose higher levels of protection against qualifying injuries or death for themselves, their spouses or eligible dependent children.

Like most group insurance policies, group accidental death & dismemberment policies contain certain exceptions, reductions, limitations and terms for keeping them in force.

Please contact us for costs and complete details.