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Employee Benefits
Accidental Death & Dismemberment

Basic Life Insurance| Supplemental Term Life Insurance | Accidental Death & Dismemberment (AD&D)

Effective August 1, 2009, Minnesota Life is our carrier for Accidental Death & Dismemberment (AD&D) Insurance. AD&D is a type of insurance covering death, or specific types of injury as a result of an accident. In the event of accidental death this insurance will pay benefits in addition to any life insurance held. Death by illness, suicide, or natural causes is generally not covered by AD&D. Also, AD&D generally pays benefits for the loss of limbs, sight, and permanent paralysis. Coverage is available for County employees and their eligible dependants.



Employee Eligibility
Eligibility for AD&D is governed by your Memorandum of Understanding (MOU), Exempt Compensation Plan, salary ordinance, or contract.
Eligible Dependents for AD&D Coverage

  • Spouse (coverage terminates at age 70)
  • Registered Domestic Partner (coverage terminates at age 70)
  • Unmarried children (including legally adopted children) who are under 19 and who are dependent upon you for support, or who are at least 19 but less than 24 who are full-time students and dependent upon you for support.

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Plan And Coverage Options

You have two coverage options and seven AD&D plans from which to choose:
Coverage Options

Employee-only coverage: coverage will be the amounts listed in the Employee column on the Plan Options Table below for each of the seven plans.

Employee + Family coverage:  coverage will be the amounts listed in the Employee column plus the amounts in the Spouse or Domestic Partner and/or Child, on the Plan Options Table below for each of the seven plans.


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Plan Option Table
Plan
Employee
Spouse
Child
1
$10,000
$5,000
$3,125
2
$25,000
$12,500
$6,250
3
$50,000
$25,000
$12,500
4
$100,000
$50,000
$25,000
5
$150,000
$75,000
$25,000
6
$200,000
$100,000
$25,000
7
$250,000
$125,000
$25,000

AD&D Premium Table

Plan

Employee Only Coverage

Family

1

$.09/pay period

$.14/pay period

2

$.23/pay period

$.35/pay period

3

$.46/pay period

$.69/pay period

4

$.92/pay period

$1.38/pay period

5

$1.38/pay period

$2.07/pay period

6

$1.84/pay period

$2.76/pay period

7

$2.30/pay period

$3.45/pay period

Benefits

If you lose a foot, hand, or sight in either eye as a result of an accident, the plan will pay one-half of your coverage amounts. The plan will pay the full benefit as the result of an accident for loss of life or loss of any two together or combination of each of hands, feet or eyes, or for the loss of speech and hearing.

Benefits are limited to the full benefit for losses from one accident.

Once family coverage is in force, all newly eligible dependents (such as a newborn) are enrolled automatically. If you elect to designate a beneficiary other than your spouse/domestic partner, you must have written consent.

Beneficiary for AD&D
Insurance benefits will be automatically paid to your beneficiary in the following order: (1) surviving spouse, (2) surviving children, (3) your parents, (4) brothers and sisters, (5) estate. If more than one beneficiary becomes entitled to your benefits, they will share equally.

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How To Enroll
You must fill out an enrollment form within 60 days of date of hire, or during the annual Open Enrollment and submit it to your Payroll Specialist.

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Termination of Coverage

Your AD&D coverage will terminate if:

  • You cancel your coverage
  • You cease to be an eligible employee
  • You fail to pay your required premiums when due
  • The master contract is terminated
  • You are on an approved leave of absence for more than 12 months

Conversion to an Individual Policy Once your group coverage has terminated, you may be eligible to convert your AD&D coverage from the County's group policy to an individual policy

For further information regarding AD&D Insurance, please refer to the Certificate of Insurance

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How To Get In Touch With Minnesota Life
If you have any questions, please call the Employee Benefits and Services Division at (909) 387-5787, your Payroll Specialist, or Minnesota Life at, 1-888-237-1838. You may also visit Minnesota Life’s website at www.lifebenefits.com.

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