Administered by Standard Insurance Company, 1-800-759-8702

Supplemental Employee AD&D Insurance:

Accidental Death & Dismemberment (AD&D) insurance coverage adds accidental death protection by paying benefits in the event your death is due to accidental causes.  Full or partial AD&D insurance benefits are also payable to you following certain serious accidental injuries.  No evidence of insurability is required for AD&D insurance coverage at any level.

Who is Eligible?

Benefits eligible employees (if you are in an active work status).

Benefits eligible employees enrolling in the Choices Medical Plan may elect Supplemental AD&D insurance coverage.

If you enroll in Supplemental AD&D insurance coverage, your cost depends on the amount of coverage you select. The cost of this benefit is paid on an after-tax basis.

  • New benefits eligible employees may elect any coverage level during their initial enrollment period.
  • Employees may increase one coverage level, decrease to any coverage level, or drop coverage completely during annual enrollment.
  • Employees may increase or decrease their coverage one level or drop coverage completely due to a qualifying event, as long as the change is consistent with the event.
  • If not currently enrolled, employees may elect $25,000 in coverage at annual enrollment or due to a qualifying event.

Supplemental Dependent AD&D Insurance:

Supplement Dependent AD&D insurance coverage is designed to protect you against certain financial burdens in the event a coverage dependent dies of an accidental death.  The employee is automatically the beneficiary of any benefits that become payable.

Who is Eligible?

Your legal spouse and unmarried dependent child(ren) from live birth to age 26 are eligible to enroll.  An employee must be enrolled in Supplement Employee AD&D insurance coverage to be eligible to enroll in Supplemental Dependent AD&D insurance coverage.  The cost of this benefit is paid on an after-tax basis.

Spousal coverage elections cannot exceed 100% of the employee election amount (i.e., employee elects $100,000 for self, spouse maximum is $100,000). Employee elections must be equal to or greater than the amount elected for dependent child coverage.

MUS benefits eligible employees MAY NOT cover other MUS benefits eligible employed family members. In addition, dependent children MAY NOT be insured by more than one MUS benefits eligible employed member.

  • New benefits eligible employees may elect any dependent coverage level during their initial enrollment period, as long as it does not exceed the employee election amount.
  • Employees may increase dependent coverage one level, decrease to any coverage level, or drop coverage completely during annual enrollment.
  • Employees may increase or decrease dependent coverage one level or drop coverage completely due to a qualifying event, as long as the change is consistent with the event.
  • If not currently enrolled, employees may elect coverage of $25,000 for a legal spouse or $5,000 for dependent child(ren) at annual enrollment or due to a qualifying event.