Accidental Death And Dismemberment Plan
General Description of Coverage
The Accidental Death and Dismemberment (AD&D)
Plan is available to all employees and their dependents who are eligible for
health benefits with the University. It is offered through METLIFE.
The Plan provides benefits in the event of an accidental death or dismemberment.
You can choose either Employee Coverage, or Employee and Family Coverage.
The plan offers three different levels of coverage:
| Principal Benefit Amount |
$100,000
$200,000
$300,000 |
Medical
Review:
No medical review is required
for enrollment in the Plan. This Plan will cover you for accidents that
occur at work as well as accidents off the job.
Additional Benefits:
The
PA&D Plan has many other benefits in the event of a covered loss. Please
contact your Benefits Services Counselor to review the plan booklet
containing
a detailed description of the additional benefits. Additional benefits
include:
-
Exposure and Disappearance
-
Double Indemnity for Dismemberment and
Paralysis
-
Home Alteration and Vehicle
Modification
-
Waiver of Premium
-
Education
-
Day Care
-
Seat Belt
-
Common Disaster
-
Coma
-
Emergency Evacuation
-
Repatriation of Remains
Exclusions:
The Plan does
not cover any losses caused by or resulting from: (1) self-inflicted injuries;
attempted suicide; or suicide; (2) war; (3) full-time active duty in the armed
forces of any country or international authority; (4) flying as a pilot or crew
member on any aircraft; flying as a passenger (or otherwise) in any aircraft
used for tests or experiments; or (5) any Military Aircraft except for aircraft
operated by MAC or similar service of another country.
How to Receive PA&D Plan
Benefits
Benefits will be paid to the Insured
Person within 365 days of the date of an accident. The Plan will pay, in
one sum, a certain percentage of the Principal Benefit Amount, depending on
whether there is a loss of the life or some type of dismemberment. If more
than one covered loss is sustained during one accident, the Plan will pay all
losses up to the Principal Sum Amount.
|
Standard Benefits Chart for PA&D
Plan | |
| Loss
of |
Benefit |
| Life |
100% |
| Both Hands or
Both Feet |
100% |
| Entire Sight
of Both Eyes |
100% |
| One Hand
& One Foot |
100% |
| One Hand and
Entire Sight of One Eye |
100% |
| One Foot
& Entire Sight of One Eye |
100% |
| Speech and
Hearing (both ears) |
100% |
| Quadriplegia |
100% |
| Paraplegia |
75% |
| One Hand or
One Foot |
50% |
| Entire Sight
of One Eye |
50% |
| Speech or
Hearing |
50% |
| Hemiplegia |
50% |
| Thumb &
Index Finger of Same Hand |
25% | |
|
| If you choose
Family coverage, benefits for your spouse and eligible
dependent children are as follows: |
|
Standard Dependent Benefits
Chart
for PA&D
Plan | |
|
Dependent |
Benefit |
|
Spouse |
55% of
Insured Employee's Principal Benefit Amount |
| -and- |
|
| Eligible Dependent Child(ren) |
15% of
Insured Employee's Principal Benefit
Amount |
|
|
If no
Spouse |
Eligible Dependent Child(ren) receive 25% of Insured
Employee's Principal Benefit Amount |
|
If no Eligible
Dependent Child(ren) |
Spouse receives 65% of Insured Employee's Principal
Benefit
Amount | | |
2006-2007 Plan Year Premium Rate Chart
Coverage Level |
Employee Only, Biweekly |
Employee and Family,
Biweekly |
Employee Only, Monthly |
Employee and Family,
Monthly |
$100,000 |
$0.90 |
$1.65 |
$1.80 |
$3.30 |
$200,000 |
$1.80 |
$3.30 |
$3.60 |
$6.60 |
$300,000 |
$2.70 |
$4.95 |
$5.40 |
$9.90 |
|
