AD&D Insurance | Accidental Death - The Hartford

Protection From Accidental Injuries

Accidental Death and Dismemberment (AD&D) insurance, which we call Accidental Loss of Life and Severe Injury Benefits, is crucial for ensuring financial security and peace of mind in the face of unexpected and severe accidents.

What Is Accidental Loss of Life and Severe Injury Benefits?

This coverage supports individuals and their families during a challenging time by providing benefits that can help cover the costs associated with the loss of a hand, foot, eyesight or movement due to an accident. By including Accidental Loss of Life and Severe Injury coverage in a benefits package, you can enjoy a comprehensive protection plan in making it an attractive addition to life, disability, and critical illness insurance. Ultimately, this coverage serves as a vital safeguard, offering valuable financial support and stability when it is needed most.

Learn More About Accidental Loss of Life and Severe Injury Benefits

Discover how our Accidental Loss of Life and Severe Injury Benefits can support you in your time of need.

Why Employees Need Accidental Loss of Life and Severe Injury Benefits

Accidental Loss of Life and Severe Injury Benefits apply wherever covered accidents happen, whether at home or on the road. Workers’ Compensation only covers work-related accidents. Along with life, disability and critical illness benefits, this coverage can help round out a comprehensive benefits package.

What Accidental Loss of Life and Severe Injury Benefits Cover

Accidental Loss of Life and Severe Injury Benefits cover accidents that result in a loss of life, limb, eyesight, hearing, speech, paralysis and more. A plan may include coverage for employees only or employees and dependents and typically provides 24-hour coverage no matter where a covered accident occurs, whether at work, home or away for:

• Loss of life
• Loss of speech
• Loss of hearing
• Loss of a hand, foot or sight
• Loss of thumb and index finger on either hand
• Loss of movement

The Hartford’s Accidental Loss of Life and Severe Injury Benefits offer flexible options:

• Benefits are payable for losses which occur within 365 days of the covered accident.
• Plans are available on an employer-paid, voluntary and standalone basis.

Choose from a variety of options, including high coverage limits with no medical underwriting necessary.

Accidental Loss of Life and Severe Injury Benefits Are Flexible

In addition to our standard plan, there are enhanced and premium plan designs and services that can be customized to best suit the specific needs of each company and its employees. Coverage includes but is not limited to these optional benefits:

• Air bag
• Child higher education
• Family care
• Funeral expense
• Mortgage continuation
• Natural disaster
• Occupational HIV or Hepatitis
• Reasonable modification
• Seat belt
• Severe burn
• Severe traumatic brain injury
• Transportation of remains

Benefits Beyond Insurance

Employees may have access to resources and services that can support their life holistically.1 Learn How We Support Employees' Well-being

Where to Next?

Accident Insurance Critical Illness Insurance Hospital Indemnity Insurance Life Insurance DisabilityFLEX Insurance Short-term Disability Insurance Long-term Disability Insurance Accidental Death & Dismemberment Insurance 5759u NS 04/25 Accident Form Series includes GBD-1000, GBD-1300, GBD-3300, GBD-3500 or state equivalent. Not available in all states. 1 Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit https://www.thehartford.com/employee-benefits/beyond-insurance for more information. The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at https://www.thehartford.com. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.