Life and AD&D Insurance

Accidental Death & Dismemberment (AD&D) Benefits

AD&D coverage pays benefits to either your beneficiary for the loss of your life or to you for the loss of your sight, hand, foot, hearing or speech as the result of an accident. AD&D benefits are in addition to your life insurance through the School District. Benefits are paid only if you are insured at the time of the loss, the loss is within 365 days of the accident that caused it, and the loss results directly from the accident and from no other cause.

The following table shows the AD&D benefit amounts for each specific type of loss:

*The maximum AD&D benefit payable for all losses resulting from a single accident is the full amount of your life insurance benefit depending on your age at the time of loss.

What Is Not Covered by AD&D Insurance
This coverage is for losses caused by accidents. No benefits are payable for a loss caused or contributed to by:

1. to which sickness, disease, or myocardial infarction, including medical or surgical treatment thereof, is a contributing factor; or
2. caused by suicide, or intentionally self-inflicted injuries; or
3. caused by or resulting from war or any act of war, declared or undeclared; or
4. caused by an accident that occurs while in the armed forces of any country, except as shown under the Reserve- National Guard Benefit (any premium paid to us for any period not covered by this Policy while the Insured is in such service will be returned pro rata); or
5. caused by or resulting from riding in, getting into or out of any aircraft, unless:
   1. the Insured Person is a passenger (not a pilot or crew member) in a tested and approved civilian aircraft being operated as passenger transport in compliance with the then current rules of the authority having jurisdiction over its operation; and
   2. the aircraft is not owned, leased or operated by or on behalf of you, the Insured Person or any other employer of the Insured Person, unless a specific written agreement has been obtained from us; or
6. sustained during the Insured Person’s commission or attempted commission of an assault or felony.