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Accidental Death & Dismemberment

Group Accidental Death & Dismemberment (AD&D)

Some employees are looking for benefits that go beyond life insurance. MetLife’s AD&D coverage pays for a covered accident that results in a loss of life, speech, hearing or sight, paralysis and other losses.  It can also be a low cost part of a company-provided basic coverage, an employee-paid option, or both.


Basic AD&D is employer-paid coverage that provides an accidental death benefit equal to an employee's basic term life insurance amount. Basic AD&D also provides a percentage of the basic accidental death benefit amount for qualifying injuries.



Supplemental AD&D is employee-paid coverage that offers employees the same benefit amount as their Supplemental Term Life. A specified percentage of supplemental accidental death benefit is also provided for qualifying injuries.



Dependent AD&D is an employee-paid coverage that provides spouses and dependents with a benefit equal to the Dependent Term Life benefit amount.



Voluntary AD&D is an employee-paid benefit that is offered as a stand alone coverage to employees, spouses and dependent children. Unlike Supplemental AD&D, Voluntary AD&D is available regardless of whether they are enrolled in life insurance.



Standard and optional features can help increase the value of your AD&D plan.

Standard Benefits Optional Benefits
Air Bag COBRA Continuation
Seat Belt HIV
Common Carrier Job Related Injury
Child Care Center Parental Care
Child Care Education Rehabilitative Physical Therapy
Spouse Education Repatriation of Remains
Hospitalization Therapeutic Counseling
Work Place Felonious Assault
Surviving Spouse
Home & Vehicle Access Alteration


Travel Assistance is an option available with Basic, Supplemental or Voluntary AD&D plans that offers employees and their families access to valuable services when traveling more than 100 miles from home (domestic or international).  Travel Assistance includes concierge assistance designed to fulfill various travel and entertainment requests as well as arrangements for business related services. Visit Additional Benefits for more information.


Like most group insurance policies, MetLife group insurance policies contain certain exceptions, reductions, limitations and terms for keeping them in force. Please contact us for costs and complete details.

1 Travel Assistance and Identity Theft Solutions services are administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by the United States Fire Insurance Company, a member of the Crum & Forster group of insurers. AXA Assistance and the Crum & Forster group are not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.

Group Accidental Death and Dismemberment coverage is provided under a group insurance policy (Policy Form GPNP99) issued to the group policyholder  by MetLife.



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