AD&D
Eligibility
Regular full-time faculty and staff can purchase this coverage for themselves only, or you can include your spouse and your children. AD&D insurance provides protection against financial losses due to accidental death or accidental dismemberment. This program is administered by Unum.
Life and AD&D Certificate of Coverage
The group policy number is 292000.
During the annual open enrollment period, you may enroll in AD&D coverage without providing any medical information. The effective date of AD&D coverage is January 1st of the following year.
AD&D insurance provides protection against financial losses in the case of accidental death or dismemberment. You can choose between $10,000 and $300,000 in coverage. Family coverage is available for spouses for 60% and children (from birth through age 26) for 20% of the insured amount.
Premiums
| Principle Amount | Employee Only | Employee & Dependents | ||
|---|---|---|---|---|
| Bi-Weekly | Monthly | Bi-Weekly | Monthly | |
| $10,000 | $.08 | $.18 | $.13 | $.28 |
| $25,000 | $.21 | $.45 | $.32 | $.70 |
| $50,000 | $.42 | $.90 | $.65 | $1.40 |
| $100,000 | $.83 | $1.80 | $1.29 | $2.80 |
| $150,000 | $1.25 | $2.70 | $1.94 | $4.20 |
| $200,000 | $1.66 | $3.60 | $2.58 | $5.60 |
| $250,000 | $2.08 | $4.50 | $3.23 | $7.00 |
| $300,000 | $2.49 | $5.40 | $3.88 | $8.40 |
Change in Coverage
You may change your coverage amount, and/or add dependent coverage, during the annual open enrollment period or within 31 days of having a change in family status. For details of what constitutes a change in family status, please see the Eligibility and Enrollment section within the AD&D Policy.
Conversion of Coverage
When you end your employment with Penn State, either at retirement or termination, you may convert your accidental death & dismemberment coverage to an individual policy.
You must complete an application and apply for these options within 31 days of your coverage termination.
To obtain an application, please contact Unum at 1-866-220-8460, Monday - Friday 8:00 am and 8:00 pm Eastern Time.
Additional Resources
Overview of Coverage
You may choose a coverage amount ranging from $10,000 to $300,000. Coverage is available regardless of your health history.
If you choose to extend AD&D coverage to your spouse and eligible dependent children, the amount of insurance that will be applicable to your family is a percentage of the amount you select for yourself.
Children are covered up to age 26.
| Principle Amount | Spouse is covered at 60% | Each Child is Covered at 20% |
|---|---|---|
| $10,000 | $6,000 | $2,000 |
| $25,000 | $15,000 | $5,000 |
| $50,000 | $30,000 | $10,000 |
| $100,000 | $60,000 | $20,000 |
| $150,000 | $90,000 | $30,000 |
| $200,000 | $120,000 | $40,000 |
| $250,000 | $150,000 | $50,000 |
| $300,000 | $180,000 | $60,000 |
The chart below shows how AD&D benefits are paid for losses suffered within 365 days of a covered accident.
| For Loss of: | % of Principle Paid: |
|---|---|
| Life | 100% |
| Both hands, both feet, both eyes, or any combination | 100% |
| Speech & Hearing | 100% |
| One hand, one foot, one eye | 50% |
| Speech or Hearing | 50% |
| Thumb and index finger of the same hand | 25% |
If a covered injury results in the loss of your life and/or that of your covered dependent, the applicable principal sum will be payable, less any amount that may previously have been paid due to dismemberment.
In the event that you and your insured spouse both suffer loss of life due to an injury sustained in the same accident, the principal sum payable for your spouse's loss of life will be equal to your principal sum. The benefit payable for both you and your spouse may not exceed $600,000. Both losses must occur within 90 days of the date of the accident for this benefit provision to be applicable.
Travel Assistance
Employees who participate in the Accidental Death and Dismemberment Policy have an additional travel benefit provided by UNUM. The purpose of this benefit is to ensure that you are protected during business or vacation travels.
The program provides three kinds of services:
- Pre-Trip Information
- Emergency Medical Assistance
- Emergency Personal Services