Basic Plan SPD >> Accidental Death & Dismemberment (AD&D) Benefits

• Overview
• How AD&D Benefits Work
• What Is Not Covered  
• When Coverage Ends

Accidental Death & Dismemberment (AD&D) insurance, which is administered by MetLife, applies to accidents on or off the job, at home or away from home. This is unlike Workers’ Compensation insurance, which covers you only on the job. You are eligible while in covered employment and for 30 days after your covered employment ends. Your AD&D benefit is in addition to your life insurance and is payable if you die or become dismembered as the result of an accident within 90 days after an accident.

How AD&D Benefits Work

Your AD&D insurance coverage is shown in the following chart. Benefits are payable to your beneficiary if you die, or to you if you have an accident and suffer one of the specific injuries listed in the chart below. Benefits will not be paid if your death or injury was caused by anything excluded under “What Is Not Covered” below. Your beneficiary will be the same as your life insurance beneficiary on file with MetLife, unless you choose otherwise.

Loss		Benefit Payable
Life		$10,000
Both hands at or above the wrist; or both feet at or above the ankle; or sight in both eyes; or any combination of hand, foot and sight in one eye		$10,000
One hand at or above the wrist; or one foot at or above the ankle; or sight in one eye		$5,000

“Loss” of a hand or foot means the actual and complete severance through or above the wrist or ankle joint. Loss of sight means the irrevocable and complete loss of sight.

For all covered losses caused by all injuries that you sustain in one accident, not more than the full amount will be paid.

Contact MetLife to claim AD&D benefits.

What Is Not Covered

AD&D insurance benefits will not be paid for injuries that result from any of the following causes:

• physical or mental illness, or diagnosis of or treatment for the illness

• an infection, unless it is caused by an external wound that can be seen and that was sustained in an accident

• suicide or attempted suicide

• injuring oneself on purpose

• the use of any drug or medicine

• a war, or a warlike action in time of peace

• committing or trying to commit a felony or other serious crime or an assault

• the injured party was intoxicated at the time of the incident and was operating a vehicle or other device involved in the incident.“Intoxicated” means that the injured person’s blood alcohol level met or exceeded the level that creates a legal presumption of intoxication under the laws of the jurisdiction in which the incident occurred.

When Coverage Ends

AD&D insurance coverage ends 30 days after you terminate employment.