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Accidental Death and Dismemberment Insurance - Active Employee

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Basic accidental death and dismemberment (AD&D)   insurance in the amount of $40,000 is part of the basic coverage package for regular benefits-eligible active employees. Full time eligible employees enrolled in the UT SELECT Medical plan are automatically enrolled in the basic AD&D at no cost and without evidence of insurability (EOI). 

Regular benefits-eligible active employees may also enroll themselves and their eligible dependents in optional Voluntary AD&D insurance.

Voluntary Accidental Death and Dismemberment Options

Coverage Level Benefit Amount
Employee Voluntary AD&D
(available with or without Basic AD&D)
Increments of $10,000 up to $2 million or 10 times annual compensation, whichever is less.
Spouse Voluntary AD&D * Increments of $10,000 up to one-half of the employee voluntary AD&D benefit in force or $1,000,000, whichever is less.
Dependent Child Coverage * $10,000 (benefit per eligible child)

*Employee must have at least $20,000 Employee Voluntary AD&D coverage in order to elect Voluntary AD&D coverage for spouse and/or dependent children.

Active employees who participate in an alternative UT System health institution life plan are not eligible to participate in the Voluntary AD&D plan offered under Dearborn National.

All amounts of AD&D coverage are guaranteed issue. No EOI is required for any increases in AD&D benefits during annual enrollment or during the plan year following a qualified change in status event.




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