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Accidental Death and Dismemberment

Fort Dearborn Life Insurance Company (FDL) is the administrator for the fully-insured Accidental Death and Dismemberment (AD&D) options available to you and your dependents. The AD&D plan provides benefits for you and your dependents following an accidental death or certain bodily injuries which occur as a result of a covered accident.

FDL offers the following plan options:

  • Employee Basic AD&D
  • Employee Voluntary AD&D
  • Voluntary Spouse AD&D
  • Voluntary Dependent AD&D
Accidental Death and Dismemberment Options
Member Basic AD&D Voluntary AD&D
Employee $10,000 (provided as part of the Basic Package at no cost to you) The lesser of $1 million or 10 times Basic Annual Earnings1,2. Coverage is purchased in $10,000 increments.
Spouse N/A The lesser of $500,000 or 50% of employee's Voluntary coverage. Coverage is purchased in increments of $10,0003.
Dependent Child(ren) N/A $10,0003
Evidence of Insurability is not required to enroll in or increase Voluntary AD&D coverage.
1Basic Annual Earnings are the contract salary for employees on a nine-month or twelve-month contract, the hourly rate times 2,080 for hourly wage employees or the weekly rate times 52 for weekly wage employees. Basic Annual Earnings excludes overtime pay, commissions, bonuses and other types of extra compensation.
2Effective September 1, 2004, the Voluntary AD&D amount will be in addition to the Basic AD&D coverage. NOTE: You must be enrolled in a UT medical plan to be enrolled in the Basic AD&D coverage.
3You must have at least $20,000 Voluntary AD&D coverage to be eligible for Voluntary Spouse AD&D coverage or your Voluntary Dependent AD&D.

AD&D PLAN FEATURES:

  • Seat Belt
  • Air Bag
  • Coma
  • Exposure and Disappearance
  • Child Care Center
  • Common Disaster Education
  • Felonious Assault
  • Increased Dependent Child
  • Rehabilitation
  • Medical Continuation
  • Spouse Training
  • Education Benefit
  • Medical Premium Continuation

If you are selecting the Voluntary AD&D coverage for the first time, the plan becomes effective on the date that you meet the Active Service definition. Active Service means that you are:

  • performing the normal duties of your occupation; and
    • working at least 20 hours per week and expected to continue in the employment for a term of at least 4 ½ months; or
    • you are appointed for at least 50 percent of a standard full-time appointment.

The following events are not covered:

  • suicide or intentionally self-inflicted injuries, or any attempt thereat, while sane or insane;
  • declared or undeclared war or acts of war;
  • accident which occurs while the covered person is serving on full-time active duty for more than 30 days;
  • accident resulting during the commission of a felony by the covered person; or
  • sickness, disease, bodily or mental infirmity, or medical or surgical treatment thereof bacterial or viral infection, regardless of how contracted. This does not include bacterial infection that is the natural and foreseeable result of an accidental external cut or wound, or accidental food poisoning.

You may read additional information about plan features and exclusions in the Accidental Death and Dismemberment Plan certificate available online at the Fort Dearborn web site or at your campus Benefits Office.

Fort Dearborn Life Insurance Company
www.fdl-life.com/ut

(866) 628-2606
M-F 8:00 AM - 5:00 PM CST