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Benefits: Insurance: Accidental Death and Dismemberment (AD&D)

The Accidental Death and Dismemberment (AD&D) benefit covers all ISU benefit eligible employees. AD&D pays a percentage of annual salary for certain serious physical losses, including loss of life, due to a covered accident. Benefits are reduced for employees 70 or older.

AD&D benefits are in addition to any paid by Basic Life benefits or other State life insurance plans.

Covered Loss	AD&D Benefit
Loss of life	100% of annual salary
Loss of any of these: Both hands or both feet Both eyes One hand and one foot One hand and one eye One foot and one eye	100% of annual salary
Loss of one hand, one foot, or one eye	50% of annual salary

 

"Loss" of a hand or foot means complete, permanent severance at or above wrist or ankle joint. Loss of an eye means the entire and irrevocable loss of sight.

For further details about the plans, see the Principal Life Insurance Company contract online at:

State of Idaho Group Insurance Contracts