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Accidental Death & Dismemberment

MetLife administers the Vanderbilt Accidental Death and Dismemberment program. Accidental Death & Dismemberment (AD&D) is a plan that pays a benefit if you lose your life, limbs, eyes, speech or hearing due to an accident. Full-time regular staff are eligible for AD&D coverage. You enroll as a new hire by using My VU Benefits. You can elect individual or family coverage in increments of $10,000 up to a maximum of 10 times your Annual Base Benefits Rate or $500,000, whichever is less. Changes can be made during annual Open Enrollment or if you experience a qualifying life event. If you choose family coverage, your spouse and children are covered at a percentage of the amount of coverage that you elect.

Family coverage includes your spouse (up to age 70) and any dependent children between ages 1 and 19 years (or up to age 23 if a full-time student).

There are three types of 'family' payouts:

  1. If you and your spouse 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.
  2. If you and your spouse have children, the amount paid to you if your spouse 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.
  3. If you have children, but do not have a spouse, 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.

Designating and Changing Beneficiaries

To designate or change your beneficiaries, go to My VU Benefits.

How to File a Claim

Contact the Human Resources.


For complete details of the Accidental Death & Dismemberment Insurance benefit, refer to the “Life Insurance and Accidental Death & Dismemberment Summary Plan Description” on the Benefit Plan Details page.

MetLife 800.638.6420 or www.metlife.com