Accidental death and dismemberment insurance

Accidental Death and Dismemberment insurance is available to benefit-eligible faculty and staff. You may also purchase coverage for your family at a percentage of your own coverage.

Retiree coverage is available to eligible retirees who enrolled in the plan prior to retiring. Coverage amounts are reduced in accordance with the following table, based upon age as of January 1 for the plan year.

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Reduction in amount for retirees

• $50,000 at retirement:
  • Age 70-74 (as of Jan. 1): $25,000
  • Age 75-80* (as of Jan. 1): $10,000
• $25,000 at retirement:
  • Age 70-74 (as of Jan. 1): $25,000
  • Age 75-80* (as of Jan. 1): $10,000
• $10,000 at retirement:
  • Age 70-74 (as of Jan. 1): $10,000
  • Age 75-80* (as of Jan. 1): $10,000

*Coverage ends on the December 31 of the plan year in which you turn age 80.

Monthly premiums

For active employees, Accidental Death and Dismemberment insurance is 100% employee-paid. Coverage is available in increments of $25,000 up to a maximum of $150,000.

Monthly premium cost for active employees, by coverage level per amount listed:

• Self only:
  • $25,000 coverage: $0.35
  • $50,000 coverage: $0.70
  • $75,000 coverage: $1.05
  • $100,000 coverage: $1.40
  • $125,000 coverage: $1.75
  • $150,000 coverage: $2.10
• Self and dependents:
  • $25,000 coverage: $0.50
  • $50,000 coverage: $1.00
  • $75,000 coverage: $1.50
  • $100,000 coverage: $2.00
  • $125,000 coverage: $2.50
  • $150,000 coverage: $3.00

For retirees, Accidental Death and Dismemberment insurance is 100% retiree-paid. Coverage is available in increments of $10,000 up to a maximum of $50,000.

Monthly premium cost for eligible retirees, by coverage level per amount listed:

• Self only:
  • $10,000 coverage: $0.35
  • $25,000 coverage: $0.875
  • $50,000 coverage: $1.75
• Self and dependents:
  • $10,000 coverage: $0.47
  • $25,000 coverage: $1.175
  • $50,000 coverage: $2.35

* In the event of a difference between this webpage and the plan document or summary plan description, the plan document and plan description prevail.