Accidental Death & Dismemberment
An accident that ends in death or disabling injury has a devastating effect on the lives of your loved ones. The loss of a family wage earner puts strain on a family and raises concerns as to how they will manage financially. Remaining family members could be left with fulfilling your financial responsibilities or taking care of you.
LSU partners with UnitedHealthcare to provide you and your family with valuable AD&D insurance at affordable rates. This benefit pays in the event of death or dismemberment resulting from an accident. You may select coverage for yourself, your spouse and/or your children. You can enroll, make changes, or cancel this benefit at any time throughout the year.
|Coverage Options||Employee Only Premiums||Family Premiums|
Family members may be insured for a portion of the employee's principal sum
- Spouse: 50% of employee's elected amount if no insured Dependent Child(ren)
- Child(ren): 15% of employee's elected amount if no insured Spouse
- Spouse & Child(ren): 40% and 10% of employee's elected amount respectively
Scheduled Benefit Amounts
Below is a brief list of injuries and benefits payable based on the amount of coverage selected. Please see the Certificate of Coverage for more information on covered benefits.
|Loss of both hands or feet||100%|
|Loss of sight in both eyes||100%|
|Loss of one hand or foot||50%|
|Loss of speech or hearing||50%|
|Thumb and Index Finger||25%|
AD&D Insurance Features
- Child Care Expense
- Education Benefit
- Repatriation Benefit
- Common Carrier Hazard Benefit