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The School District's Life and AD&D Insurance Plan

EFFECTIVE JULY 1, 2017 Prudential will be our new Basic Life & AD&D Plan Administrator

The Life and Accidental Death and Dismemberment (AD&D) Insurance Plan provides valuable benefits for you and your family if you become seriously injured or die while you are insured.

One and one-half times basic annual earnings, to a maximum of $400,000.

Contribution Requirements
Benefits funded by school district stipend. In the event the premium due for this coverage exceeds the stipend, you may be responsible to contribute the difference.

Benefit Reductions Due to Age
Age Reduces to
70 65% of pre-age 70 amount
75 40% of pre-age 70 amount
80+ 25% of pre-age 70 amount

Coverage may be continued under the Military Services Leave provision of the Policy for twelve weeks if you go on active duty in the military. However, you will not be covered for a loss that is caused by or arises from such military service, including but not limited to war or act of war (whether declared or undeclared).

For a comprehensive list of exclusions and limitations, please refer to the Certificate of Insurance, which you can find on your school district's website. The Certificate also provides all requirements necessary to receive a benefit.

Provisions Include
Living Benefit Rider Yes
Conversion Yes
Portability Yes
Waiver of Premium Yes
Critical Illness Benefit Yes
Bereavement Counseling Yes
Worldnet Travel Assistance Yes



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spacer spacerLife and AD&D spacer
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form bullet Life Insurance Benefits
form bullet AD&D Benefits
form bullet Beneficiaries/Payment of Benefits
form bullet If You Become Disabled
form bullet If You Become Terminally Ill
form bullet If You Leave The School District
Related Forms
form bullet Group Life Conversion
form bullet Conversion Rates
form bullet Portability Request

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    Important Legal Information:
Appoquinimink Benefits Online provides only an overview of your benefits from Appoquinimink School District and The State of Delaware. Appoquinimink School District and The State of Delaware reserve the right to amend or to terminate any benefit plan at any time, with or without notice. Review more important legal information about your benefits plans.

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