Accidental Death & Dismemberment
MetLife administers the Vanderbilt Accidental Death and Dismemberment program. Accidental Death and Dismemberment (AD&D) is a voluntary plan that pays a benefit if you lose your life, limbs, eyes, speech or hearing due to an accident. Full-time regular staff may receive AD&D coverage upon enrollment after any applicable waiting periods are met. If you choose family coverage, your spouse and children are covered at a percentage of your coverage amount.
Family coverage includes your spouse/certified domestic partner and any dependent children between ages 1 and 19 years (or up to age 23 if attending school full-time).
There are three types of 'family' payouts:
- If you and your spouse/certified domestic partner have no children, the amount paid to you if your spouse/partner died in an accident (or paid to them if the accident caused dismemberment, but not death) would be 50% of your coverage.
- If you and your spouse/certified domestic partner have children, the amount paid to you if your spouse/partner died in an accident (or paid to them if the accident caused dismemberment, but not death) would be 40% of your coverage, and the amount paid to you if your child died in an accident (or paid to them if the accident caused dismemberment, but not death) would be 10% of your coverage.
- If you have children, but do not have a spouse/certified domestic partner, the amount paid to you if your child died in an accident (or paid to them if the accident caused dismemberment, but not death) would be 15% of your coverage.
For complete details of the Accidental Death & Dismemberment Insurance benefit, refer to the “Life Insurance and Accidental Death & Dismemberment Summary Plan Description” on the Forms and Documents page.
MetLife 800.638.6420 or www.metlife.com
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