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

Employee Supplemental AD&D Insurance:

Employee Supplemental Accidental Death & Dismemberment (AD&D) insurance coverage provides protection by paying benefits to your beneficiary(ies) 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.

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 Employee Supplemental AD&D insurance coverage.

If you enroll in Employee 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 enroll in any coverage level during their initial enrollment period.
  • If an employee previously waived all coverages, they may only elect $25,000 when enrolling in coverage.
  • Employees may increase coverage one level, decrease coverage to any level, or drop coverage completely during Annual Enrollment.
  • Employees may increase or decrease coverage one level due to a qualifying event if the change is consistent with the event (subject to Plan restrictions).
  • If not currently enrolled, employees may enroll in coverage of $25,000 during Annual Enrollment or due to a qualifying event if the change is consistent with the event (subject to Plan restrictions).

Dependent Supplemental AD&D Insurance:

Dependent Supplemental AD&D insurance coverage is designed to protect you against certain financial burdens in the event a dependent’s death is to due accidental injuries.  The employee is automatically the beneficiary of any benefits that become payable.  No evidence of insurability is required.

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 Employee Supplemental AD&D insurance coverage to be eligible to enroll in Dependent Supplemental AD&D insurance coverage.  The cost of this benefit is paid on an after-tax basis.

Spouse AD&D coverage elections cannot exceed 100% of the employee election amount (i.e., employee elects $100,000 for self, spouse election maximum is $100,000). Employee elections must be equal to or greater than the amount elected for child AD&D coverage (i.e., employee elects $100,000 for self, child election maximum is $30,000).

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

  • New benefits eligible employees may enroll in any dependent coverage level during their initial enrollment period.
  • If an employee previously waived all coverages, they may only elect coverage of $25,000 for a spouse and/or $5,000 for child(ren).
  • Employees may increase dependent coverage one level, decrease coverage to any level, or drop coverage completely during Annual Enrollment.
  • If not currently enrolled, employees may elect coverage of $25,000 for a spouse and/or $5,000 for dependent child(ren) during Annual Enrollment.
  • Employees may increase coverage one level due to a qualifying event if the change is consistent with the event (subject to Plan restrictions).