Supplemental AD&D (Optional)
Optional Supplemental AD&D eligibility:
This is an employee only benefit. If you enroll for Optional AD&D Insurance. Remember, this cost is paid on an after-tax basis.
If you are a new employee, you may elect any supplimental AD&D coverage amount during your initial enrollment period.
If you are not enrolling for the first time, other than new employees, you may increase
one level of coverage during annual enrollment- if you are eligible and are in an
active work status.
Optional Dependent Accidental Death & Dismemberment (AD&D) eligibility:
Your spouse and unmarried child(ren) from live birth to age 26. Optional Dependent
AD&D Insurance is designed to protect you against certain financial burdens in the
event a covered dependent dies of an accidental death. You are automatically the beneficiary
of any benefits that become payable. This benefit is paid with after-tax dollars.
Employees may NOT cover other MUS employed family members. In addition, dependent children may not be insured by more than one member. You must enroll in employee supplemental AD&D to be eligible for spouse or child/ren supplemental AD&D elections.
Other than new employees, you may increase one level of coverage for spouse and child/ren during annual enrollment. Spouse elections cannot exceed 50% of the employee election (i.e., employee elects $100,000 for self, spouse maximum is $50,000). Child/ren election amount cannot exceed employee election amount.