Vice President for Human Resources

Accidental Death and Dismemberment

Administered by Minnesota Life. 

866-293-6047 

Purdue provides all benefits-eligible employees a basic $15,000 accidental death and dismemberment (AD&D) benefit. Employees have the opportunity to elect additional AD&D coverage as a new employee and each year during benefits open enrollment.

AD&D provides protection against losses due to accidental death and dismemberment. The plan covers accidents on a 24-hour basis, regardless of whether the accident happens while on the job or off the job.

The chart below illustrates the benefits payable under Basic AD&D and Additional AD&D for a covered loss.

* In the event that you or an insured dependent dies as a result of a covered accidental injury while driving or riding in a private passenger car, you will receive an amount equal to 10 percent of the amount of insurance in effect on the date of the accident up to a maximum of $25,000 if the official accident report verifies that the person’s seat belt was properly fastened and at the time of the accident, the driver of the private passenger car was a licensed driver and was not intoxicated, impaired, or under the influence of alcohol or drugs. Seat belt benefits will not be payable if the loss is incurred as the result of a race, speed or endurance test, or acrobatic or stunt driving

** In the event that you or an insured dependent dies as a result of a covered accidental injury while driving or riding in a private passenger car with an air bag, you will receive an amount equal to 10 percent of the amount of insurance in effect on the date of the accident up to a maximum of $25,000 if the official accident report verifies that the person’s seat belt was properly fastened and at the time of the accident, the driver of the private passenger car was a licensed driver and was not intoxicated, impaired, or under the influence of alcohol or drugs. Airbag benefits will not be payable if the loss is incurred as the result of a race, speed or endurance test, or acrobatic or stunt driving.

Who may be covered

You may elect AD&D coverage on your eligible dependents. If your spouse or same-sex domestic partner (SSDP) is employed at Purdue and eligible for benefits, you may both elect AD&D coverage on one another and on your children.

The choices

• Employee: May select coverage in $10,000 increments, up to $1,000,000
• Spouse: Coverage is available in $10,000 increments up to $300,000
• Children: May be covered in $10,000 increments up to $50,000
• Never requires Evidence of Insurability (EOI)

Cost is the same for all AD&D coverage

• Additional Employee AD&D
  $0.02 / $1,000 / month

• Spouse AD&D
  $0.02 / $1,000 / month

• Child AD&D
  $0.02 / $1,000 / month

More detail

Benefits are payable as long as the loss occurs within 365 days after the date of the accident. A benefit is provided if you sustain a traumatic brain injury as a result of and within 60 days of a covered accidental injury. The brain injury must be diagnosed by a physician and have lasted a minimum of 12 consecutive months.

You will receive the proceeds of any benefits payable due to the death or dismemberment of any covered dependent, as well as from any dismemberment you experience.

Proceeds resulting from your death are payable in any manner you specify in your beneficiary designation. Log into EBenefits at any time to record or change your beneficiaries.

Additional provisions

This section briefly outlines several additional benefits payable under the Basic AD&D and Additional AD&D coverage. More detailed policy information is available from Staff Benefits.

NOTE: "Insured dependent" and "insured spouse" refer to a dependent who has AD&D coverage in effect at the time of the accident.

Coma

Exposure and Disappearance

Tuition Reimbursement for Dependent Spouse