Accidental Death and Dismemberment
Life Insurance Administered by Securian
Purdue University provides term coverage for employees with the option to increase your coverage.
When making decisions for your life insurance coverage, visit the Purdue University Securian webpage to get information on
- Purdue University Plan Summaries
- Resources for term life, AD&D and Evidence of insurability process
- Educational videos
- Life insurance options after retirement
- Financial Planning tools
- Additional benefits included with Securian
- Benefit Scout – an educational tool designed to help you understand and make decisions about your life insurance benefits. Based on information you provide, it will help you calculate how much life insurance is enough and estimate costs. If you would like your results, you will be able to download a copy of your life insurance summary.
Administered by Securian.
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.
|Life||100%||Same as basic|
|Both Hands or Both Feet||100%||Same as basic|
|Sight in Both Eyes||100%||Same as basic|
|One Hand and One Foot||100%||Same as basic|
|One Hand or One Foot and Sight of One Eye||100%||Same as basic|
|One Hand or One Foot||50%||Same as basic|
|Sight of One Eye||50%||Same as basic|
|Speech and Hearing||100%||Same as basic|
|Speech or Hearing||50%||Same as basic|
|Thumb & Index Finger of Same Hand||25%||Same as basic|
|Seat Belt*||Additional 10%||Same as basic|
|Airbag**||Additional 10%||Same as basic|
|Dependent Child’s Covered Loss||N/A||Same as basic|
* 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 is employed at Purdue and eligible for benefits, you may both elect AD&D coverage on one another and on your children.
- 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
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 Benefitfocus at any time to record or change your beneficiaries.
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.
In the event you or an insured dependent becomes comatose as a result of a covered accidental injury, additional monthly benefits may be payable if the individual:
- Becomes comatose within 365 days from the date of the accident, and
- Is continuously comatose for a minimum of 31 days.
The total amount paid will not exceed the base amount of coverage
Exposure or Disappearance
Benefits will be payable according to the benefit payment schedule for losses resulting from unavoidable exposure to the elements. Additionally, benefits will be payable for loss of life when the insured individual’s body has not been found after one year.
Tuition Reimbursement for Dependent Spouse
In the event of your death, additional benefits are available to assist with tuition for a licensed professional trade school training program for your insured spouse if he or she:
- Has enrolled in classes within 30 months of the employee’s accidental death, and
- Has enrolled to obtain an independent source of support and maintenance.
Expenses must be for tuition or the cost of training materials.
Tuition Reimbursement for Dependent Child(ren)
In the event of your death, additional benefits are available to assist with tuition for higher education for each insured dependent child for up to four years, but not beyond the date the child attains age 24. A $1,000 benefit is payable if you have no dependent child.
Day Care for Dependent Child
In the event of your death, additional benefits are available to assist with dependent day care expenses for insured dependents under the age of 7 years. The insured dependent must have been enrolled in a licensed day care facility on the date of the insured parent’s death or must enroll in a licensed day care facility within 90 days following the date of death. A $1,000 benefit is payable if you have no dependent child.
If you experience a loss as a result of a felonious assault, your benefit payment for the loss will be increased by five percent.
Return of Remains
This additional benefit for return of remains only applies if the covered person suffers a loss of life while outside a 150-mile radius of the person’s home. Covered expenses include expenses for embalming, cremation, coffin, and transportation of remains.
Critical Period Payment
In the event of your death, your insured spouse (covered under you as an employee) will be entitled to an additional monthly benefit during the first 12 months following your death.
If you and your insured spouse both suffer a loss of life as a result of the same accident, an additional benefit is payable. The amount payable is the difference between the amount of coverage on the employee and the amount of coverage on the dependent spouse.
For example, if you are covered for $250,000 and your spouse is covered for $100,000, your spouse’s benefit will be increased by $150,000, bringing it to $250,000.
Dependent Child’s Covered Loss
If your dependent child suffers a covered loss, other than loss of life, the amount payable on behalf of the insured child will be doubled.
AD&D benefits will not be payable in the following instances:
- Suicide or attempted suicide, while sane or insane
- Intentionally self-inflicted injuries, or any attempt to inflict such injuries
- Sickness, whether the loss results directly or indirectly from the sickness
- Medical or surgical treatment of sickness, whether the loss results directly or indirectly from the treatment
- Any infection, unless it is pyogenic and results from an accidental cut or wound, or it is a bacterial infection resulting from accidental ingestion of a contaminated substance
- War or any act of war. “War” means declared or undeclared war and includes resistance to armed aggression
- An accident that occurs while the person is serving on full-time duty for more than 30 days in any armed forces. This does not include Reserve or National Guard active duty or training.
- Commission of or attempt to commit a felony
- Travel or other movement by means of, or descent from or with, any kind of moving aircraft (aircraft includes rocket craft or any other vehicle, conveyance, device designed for travel or other movement in or beyond the earth’s atmosphere) when:
- Aboard such aircraft the person has any duties relating in any way to such aircraft or its operation, equipment, passengers or crew or is giving or receiving training for any such duties, unless the loss is sustained in the course of the approved travel for the employer’s business and while carrying out assigned duties for the employer.
- Being legally intoxicated or under the influence of any narcotic unless administered by or consumed on the advice of a physician
- Participation in these hazardous sports: scuba diving, bungee jumping, skydiving, parachuting, hang gliding, or ballooning
- Life/Voluntary Benefits
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