Dependent Accidental Death & Dismemberment (AD&D) Insurance
Dependent AD&D insurance provides financial protection if your child dies or suffers a serious injury due to an accident. While it’s a difficult topic, dependent AD&D insurance provides financial protection in the event your child dies or suffers a serious injury (like loss of limbs, sight, or hearing) due to an accident.
Dependent AD&D insurance provides:
Optional additional protection
Provides enhanced coverage amounts in addition to Basic and Supplemental AD&D insurance or Spouse AD&D insurance – paid for by you
Peace of mind
Can help cover costs for funeral and burial expenses, medical costs related to the accident, counseling or therapy for family members, and modifications to your home or vehicle if your child becomes disabled.
Coverage options to suit your needs
Standardly offered in flat increments, such as $2,000, $5,000 or $10,000 of coverage, or as a percentage of your basic AD&D insurance
Dependent AD&D Schedule of Benefits
Details on your Dependent AD&D benefit can be found in your AD&D Schedule of Benefits, which will list the benefit along with the benefit amount and highlights. Dependent AD&D amounts are listed in their own table called “Accidental Death And Dismemberment Insurance (AD&D) On Your Insured Dependents,” which also includes any Spouse AD&D amounts. This appears after the table on your AD&D insurance benefits. Your Dependent AD&D amount is typically a percentage of your employee AD&D amount, for example 20% for one child or 10% for more than one child.
A sample Schedule of Benefits with Spouse and Dependent AD&D insurance is below. Please note that each company’s benefits may differ.
Note: Any amount of Life Insurance in excess of the Guaranteed Issue Amount is subject to Evidence of Insurability. Learn more about Evidence of Insurability.
Sample Schedule of Benefits with Spouse and Dependent AD&D insurance
| Benefit | Benefit amounts and highlights |
|---|---|
| ON YOUR SPOUSE |
|
| Voluntary AD&D Full Amount |
An amount equal to 100% of Employees(s) elected amount when Employee, |
| EACH OF YOUR CHILDREN |
|
| Voluntary AD&D Full Amount |
|
Calculating dependent AD&D rates
Dependent AD&D monthly rates are usually per $1,000 of insurance. To calculate cost, multiply the cost per $1,000 by the number of units selected.
For example, if your employee AD&D is $100,000 and you have one child, your dependent AD&D benefit is $20,000 (according to the Schedule of Benefits above). To figure out the monthly cost for $20,000 in coverage, you would multiply the rate by 20 ($1,000 units).
Ask your employer what your rates are for any supplemental coverages MetLife offers.
How to submit a Dependent AD&D insurance claim
In the event of an accidental death, the AD&D claim will be paid automatically with the Dependent Life insurance claim, so there are no additional steps required for you. In the event of a dismemberment, you or your spouse will need to submit a claim to MetLife for payment.