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What is Voluntary Accidental Death & Dismemberment insurance?

Voluntary Accidental Death & Dismemberment insurance makes it easy for employers to make a valuable benefit available to employees: the opportunity to purchase additional protection against an unexpected loss.

These affordable policies pay 100% of the benefit for covered death caused by an accident, and from 25% to 100% of the benefit for covered injuries that result in dismemberment.

Who should consider it?

Accidental deaths are one of the leading causes of death in the United States. Giving employees the option to get AD&D coverage is a cost-effective way for employers to expand their benefits package and bring employees additional peace of mind.

  • Key benefits

    Key benefits

    • 24-hour coverage, on and off the job, anywhere in the world
    • Payments made directly to the beneficiary
    • Employees can choose their own coverage level
    • Dependent coverage available
    • Easy payment through payroll deduction
  • Additional features

    Additional features

    Voluntary AD&D coverage includes coma, repatriation, and exposure and disappearance benefits. A range of optional riders are available, including common carrier, felonious assault, paralysis and special education benefits, Spouse training and child care, as well as domestic partnership coverage where applicable.

  • Application process

    Application process

    Voluntary AD&D insurance policies sold by Mosaic Group and underwritten by USAble Life or The Hartford can only be purchased in conjunction with Voluntary Term Life. Voluntary AD&D insurance policies sold by Mosaic Group and underwritten by USAble Life can be purchased by an employee either as a standalone or along with Voluntary Term Life. For information or to request a proposal, please contact your Mosaic Group representative.