Overview

Accidental Death & Dismemberment (AD&D) Insurance offers insurance in the case of an accidental death or dismemberment for employees and their spouse or domestic partner and eligible children. Employees may select coverage levels that range from $25,000 to $500,000.

In addition to benefits payable in the event of accidental death or dismemberment, this plan provides the following benefits:

  • Zurich Travel Assist – Travel assistant program that provides benefits when an employee travels at least 100 miles from their home. Additional information on this program can be accessed in the Forms & Resources section below.
  • CyberScout LifeStages Identity Management Services – Identity theft education and personalized resolution resources. Additional information on this program can be accessed in the Forms & Resources section below.
  • Benefits to care for surviving family members including benefits to pay for daycare expenses, higher education benefits, and retraining benefits.
  • Benefits for covered injuries including home alteration and vehicle modification benefits, hearing aid benefit, and therapeutic counseling benefits.
  • Additional benefits paid in certain situations such as carjacking, coma, and natural disaster benefits.
  • If an accidental death claim is paid due to the death of a covered employee, family coverage continues premium-free for one year after death.
  • Continuation of group policy coverage at retirement.
  • Conversion of coverage to an individual policy at the end of employment.

Accidental Death & Dismemberment Insurance plan (Group Policy #GTU 8364005) is administered by University of Wisconsin System Administration and Hausmann-Johnson Insurance and underwritten by Zurich American Insurance Company.

See the Fact Sheet in the Forms & Resources section below for a summary of benefits under this plan.

Eligibility

Employees must meet the following requirements to be eligible for this plan:

  • Eligible for State Group Health Insurance as an active employee.

Note: If an employee and their spouse/domestic partner are both eligible for this plan as UW System employees, the employee and their spouse/domestic partner may only be covered as an employee or a dependent – not both. This rule also applies to eligible children who are also eligible for this plan as an employee.

Enrollment

Employees may enroll, change or cancel your coverage at any time. If an employee enrolls during your initial 30-day enrollment period, their coverage will begin on the first of the month following 30 days from their eligibility date. If an employee enrolls outside of their initial enrollment period, coverage will begin on the first of the month on or following receipt of their application.

For detailed information regarding who you can cover on this plan, see the .

Coverage Level

Employees may select coverage levels that range from $25,000 to $500,000. Single or family coverage can be elected.

Beneficiary Information

Employees are encouraged to designate a beneficiary(ies) to ensure benefits are paid according to their wishes. Whenever an employee has a life event, such as a marriage, divorce, birth of a child, beneficiary designations should be reviewed and updated. Beneficiary designations can be changed at any time.

For more information on beneficiary designations, see the Beneficiary Information page.

Premiums

For Accidental Death & Dismemberment Insurance premiums, see the Premiums page.

Forms & Resources


last updated: 08/13/2018

Every effort has been made to ensure this information is current and correct. Information on this page does not guarantee enrollment, benefits and/or the ability to make changes to your benefits.