UK Human Resources

Accidental Death & Dismemberment

What You Need to Know: 

Accidental Death & Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or die in an accident. You pay the full cost for any AD&D coverage you select through payroll deductions. The cost is based on the amount you select and whether you choose employee or family coverage. Single, dependent children are eligible until age 26 for AD&D.


You are eligible for AD&D coverage if you are a regular, full-time employee. View eligibility details »

Plan Features

AD&D Ultra adds more family-friendly benefits in the event of an accidental death and/or accidental dismemberment.

  • Childcare benefits pay a state-licensed childcare provider in the event of death
  • Educational benefits help ensure the dependents opportunity for higher education is not destroyed by the insured's loss of income

In addition to accidental dismemberment of a limb or loss of eyesight, outcomes resulting from accidents that are eligible for benefits include: 

  • Coma
  • Hearing loss
  • Paralysis
  • Speech loss
  • Presumed loss of life due to disappearance
  • Total disability related to covered accident
  • Death
  • Loss of life due to exposure

The plan offers 24/7 assistance when traveling 100+ miles from home, including unlimited emergency medical evacuation and repatriation.

Burn Benefit(for third degree burns)

  • If the burn covers more than 75 percent of the person's body and that person lives: 100 percent of that person's Principal Sum would be payable.
  • If the burn covers 50 -74 percent of the person's body: 50 percent of the person's Principal Sum would be payable.

The repatriation of remains benefit will pay for preparation and shipping to a mortuary of the insured's body if the death occurred over 200 miles from home.

Your Beneficiaries

Your beneficiary(ies) is the person you choose to receive your basic and optional life and AD&D insurance benefits in the event of your death. If you select family AD&D coverage or dependent life, you are the primary beneficiary for your dependents. You will need to provide Social Security numbers for all beneficiaries. You can change your beneficiary listing at any time.



Coverage for you

Family (Married)

Family (Not Married)

Benefit Amount

$10,000 to $500,000
(in $5,000 increments)

spouse-50% of your benefit
(up to a max of $250,000)

per child-10% of your benefit
(up to a maximum of $15,000
per child)



per child-25% of your benefit
(up to a maximum of $15,000
per child)

Monthly Cost per $10,000 of coverage





As with all other UK benefits, enroll within 30 days of beginning employment or during the annual Open Enrollment period. Visit the enrollment page for details »

Who to Contact

Contact the UK Benefits Office for details »