Accidental Death & Dismemberment
You may enroll, cancel, or make changes to your Accidental Death & Dismemberment (AD&D) Insurance anytime during the year. No qualifying event or evidence of insurability is required. AD&D Insurance is available on an optional contributory basis. Coverage is available in increments of $10,000 ($20,000 minimum to $500,000, maximum of 10x salary). It can provide extra financial security for you and your family in the event of accidental death, dismemberment, or paralysis. Additional benefits payable as the result of a covered injury that results in a covered loss include but are not limit to:
- Day care benefit
- Higher education benefit
- Home alteration and vehicle modification benefit
AD&D Insurance benefits are paid in addition to any other life and accident insurance benefits you are eligible to receive.
Accidental Death & Dismemberment
Monthly rates per $10,000 of coverage (principal sum)
| Employee Type | Salaried and IGUA Employees | ATLC Employees |
|---|---|---|
| Employee Only | $0.20 | $0.35 |
| Family | $0.40 | $0.70 |
Benefit Amounts
If you want to cover your spouse and eligible dependent children, you can elect family coverage. The benefit amount for family members is a percentage of your benefit amount and is based on the composition of your family at the time of loss, as follows:
| If you have these dependents at the time of loss, | Your spouse’s benefit will be | Each child’s benefit will be |
|---|---|---|
| Spouse and children | 90% | 20% |
| Spouse only | 100% | n/a |
| Children only | n/a | 30% |
Tools & Resources
For additional information on AD&D coverage details, review the Certificate of Insurance.
Contact ORNL Benefits
(865) 576-7766
[email protected]