Accidental Death and Dismemberment (AD&D)
for Employees Only

Fort Dearborn Life Insurance Company® (FDL) is the insurer and 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 Annual Compensation1,2. 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

NOTE: You must be enrolled in a UT medical plan to be enrolled in the Basic AD&D coverage.  Evidence of Insurability is not required to enroll in or increase Voluntary AD&D coverage.

¹Annual Compensation is 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. Annual Compensation excludes overtime pay, commissions, bonuses and other types of extra compensation.
²The Voluntary AD&D amount is in addition to 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.

 

ADDITIONAL AD&D PLAN BENEFITS:

• Seat Belt
• Air Bag
• Coma
• Exposure and Disappearance
• Child Care Center
• Common Disaster  
• Felonious Assault
• Increased Dependent Child
• Rehabilitation
• 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 you meet the Active Service definition. Active Service means you are

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

Benefits are not payable for any loss that, directly or indirectly, results in any way from or is contributed to by

• 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;
• sickness, disease, bodily or mental infirmity, or medical or surgical treatment thereof or 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; or
• the insured individual being intoxicated by reason of alcohol or drug use, or a combination thereof.

You may read additional information about plan features and exclusions in the AD&D Plan certificate, also available at your institution Benefits Office.