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.

AD&D can be added, changed, or cancelled at any time during the year.

Coverage Options	Employee Only Premiums	Family Premiums
$27,500	$0.52	$0.77
$55,000	$1.05	$1.54
$82,500	$1.57	$2.31
$110,000	$2.09	$3.08
$165,000	$3.14	$4.62
$220,000	$4.18	$6.16
$275,000	$5.23	$7.70
$300,000	$5.70	$8.40

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

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.

Injury	Benefit Paid
Death	100%
Loss of both hands or feet	100%
Loss of sight in both eyes	100%
Quadriplegia	100%
Paraplegia	75%
Loss of one hand or foot	50%
Coma	50%
Loss of speech or hearing	50%
Thumb and Index Finger	25%