Accidental Death and Dismemberment Insurance (AD&D)

Benefits for Life Voluntary Insurance Program: Be safe, be protected, be prepared 

Accidental Death and Dismemberment Insurance (AD&D)

Accidents happen every day, sometimes serious enough to cause a critical injury, or even death. Mutual of Omaha's Accidental Death and Dismemberment Insurance is being offered through the State of Michigan to help alleviate the financial burden that can result from a serious accident.

Please watch the Accidental Death & Dismemberment Insurance video for more information on this benefit.

Enrolling for Coverage

You may enroll in Accidental Death and Dismemberment Insurance (AD&D) at any time throughout the year without evidence of insurability.

Plan Feature Benefit to You
Coverage Options Employee Only, Employee & Spouse, Employee & Child(ren)
Worldwide Coverage This plan offers protection on a worldwide basis, 24 hours a day, 365 days a year.
Accidental Death & Specific Loss Benefits

Benefits are payable as follows upon the loss of:

Life, Two Members*, Speech & Hearing: Principal Sum

One Member*, Speech or Hearing: 1/2 Principal Sum

Thumb and Index Finger of the Same Hand: 1/4 Principal Sum

*Member or Members means hand/hands, foot/feet or eye/eyes.

Catastrophic Benefits
Paralysis - pays benefits when an insured person suffers injuries which result in paralysis (hemiplegia, paraplegia, or quadriplegia).

Coma - pays a monthly benefit while the insured is in a comatose state as a result of an injury.
Family Benefits
Surviving Spouse Education - pays an additional benefit to be used for tuition costs at an accredited school or trade school training program, if insured dies from a covered accident.

Day Care Benefit - pays a benefit for each child enrolled in a day care facility at time of loss.

Child Education Benefit - provides an additional benefit for each dependent child in 12th grade or attending an accredited college, if insured dies from a covered accident.

Extension of Coverage - allows eligible dependents to continue coverage without premium payment for up to 12 months, if insured dies from a covered accident.
 
Travel Benefits
Airbag Benefit - pays if insured is injured in an automobile accident that is equipped with a factory installed airbag.

Seat Belt Usage - pays additional benefit if insured is wearing a seat belt when injured in an automobile accident.

Travel Benefits (AXA Assistance USA, Inc.) - provides you help during emergencies when you are away from home.
  • Medical Assistance
  • Legal Assistance0
  • Baggage Assistance
  • Emergency Payment Assistance
  • Pre-Trip Assistance
  • Emergency Message Assistance
  • Emergency Cash Assistance
  • Emergency Ticket Replacement
  • Emergency Card Replacement
Additional Benefits
Exposure & Disappearance Benefit - accidental exposure to elements covers as though it was an injury, with loss of life presumed after 12 months following disappearance of insured as a result of sinking, wrecking or disappearance of conveyance he/she was riding.

Portability - allows you to take your coverage with you when employment ends.

Waiver of Premium - allows you to continue coverage without payment of premium, if it's determined you are totally disabled.

Accidental Death and Dismemberment Insurance Rates

Shown below are bi-weekly rates for Accidental Death and Dismemberment insurance.

Employee

Amount of Coverage Bi-Weekly Rate (26 Per Year)
$15,000 $0.21
$30,000 $0.42
$60,000 $0.84
$120,000 $1.68
$240,000 $3.36
$300,000 $4.20

Spouse

Amount of Coverage Bi-Weekly Rate (26 Per Year)
$15,000 $0.21
$30,000 $0.42
$60,000 $0.84
$120,000 $1.68
$240,000 $3.36
$300,000 $4.20

Child(ren)

Amount of Coverage Bi-Weekly Rate (26 Per Year)
$15,000 $0.21

*This amount will cover all eligible dependents regardless of number of eligible children.

Review the Accidental Death and Dismemberment Policy.

Print an application for enrollment.

Important Eligibility Guidelines

You must be actively at work as defined in the policy in order for coverage to take effect. Dependent insurance (for your spouse or children) may also be available, but only when you, as the employee, also select coverage for yourself. A dependent must be performing normal activities and cannot be confined as defined in the policy in order for coverage to take effect. When both you and your spouse are eligible for insurance under this policy as an Employee, you may each enroll either as an Employee or the Dependent of an Employee, but not both. Dependent children can be insured only under one parent.

File an Accidental Death and Dismemberment Claim

To file an Accidental Death and Dismemberment claim, a special service has been set up for the State of Michigan. A beneficiary can call 800-283-9591 and Mutual of Omaha will take all the required information necessary to file a claim over the phone.

This insurance plan overview is not intended to provide a complete description of the voluntary benefit coverage. Benefits may not be available in all states. Some exclusions, limitations and reductions may apply. AD&D is underwritten by Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. Mutual of Omaha Insurance Company is licensed in all states. Policy Form T66BA Series 13569 or state equivalent.

Travel Assistance benefits are subject to the terms and conditions of the service agreement issued to the master policyholder. The Travel Assistance services described in this document are provided by AXA Assistance USA. AXA Assistance USA is not affiliated in any way with Mutual of Omaha.

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