Prepare for the Unexpected

Voluntary Accidental Death & Dismemberment (AD&D)

When you consider your family's long-term financial needs – home, mortgage, child and eldercare, saving for college and retirement – even two-income families can face financial hardship if a wage earner has a covered injury or dies in an accident. This coverage is not only affordable, but is designed to complement your existing life insurance coverage and help you prepare for your family's financial future.

Plan at a Glance

• Members* who are age 64 and under may apply for up to $500,000 of coverage in $10,000 increments.¹
• Spouse/domestic partner² age 64 and under are eligible for up to 50% of the member benefit.³
• Spouse/domestic partner and children (together) are eligible for a benefit that is a percentage of the member benefit: 40% for spouse/domestic partner and 10% for children.
• Coverage ends at age 75.⁴
• Special features and additional benefits may apply in certain situations if a death benefit is paid.
  • Seat belt(s) are in use;
  • Air bag(s) are in use;
  • Traveling on a common carrier (i.e., commercial airline)
  • Child care center, child education, spouse education, hospital confinement

*You must be a member of the American Bar Association to qualify for this insurance plan.

1 Percentage of coverage depends on type of loss.

2 Eligible spouse includes Domestic Partners. Domestic Partner includes your registered Domestic Partner if you and your Domestic Partner are registered as Domestic Partners, Civil Union Partners or Reciprocal Beneficiaries with a government agency or office where such registration is available.

3 The amount of spouse or dependent coverage may vary by state laws and is subject to the limits imposed by the individual states.

4 Once you reach age 60, your benefit will reduce according to the following schedule. Ages 60 - 64, your face amount will be 66% of the original benefit; ages 65 - 69 reduces to 46%; ages 70 - 74 reduces to 30%.