Supplemental Accidental Death & Dismemberment

The loss or removal of a limb or other part of a person.

Supplemental AD&D is part of the Optional Benefits Life Plans. If you choose to add AD&D to your Optional Benefits Life Package, you must have a minimum of $10,000 of Supplemental Life Benefits. You may also add the following to complete the plan:



  • Group term accidental death and dismemberment insurance.
  • Pays benefits if death or dismemberment is caused by an accident.
  • Available for employee only or employee and family.
  • Pays in a lump sum.

Important Note:

  • If selecting AD&D, you must also have a minimum of $10,000 of Optional Benefits Life Insurance.


As of January 1, 2003, the following employees are eligible to participate in Optional Benefits:

  • State employees not participating in AlaskaCare, except members of the Labor, Trades and Crafts Unit and the Correspondence Teachers Unit.
  • Employees of a participating political subdivision covered under the terms of the political subdivision’s participation agreement.
  • Leased employees and emergency employees hired for natural disasters are not eligible.

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Benefit Amount

If family includes children:

  • Employee has a full benefit amount of $100,000
  • Spouse has a full benefit amount of $40,000

If family does not include children:

  • Spouse has a full benefit amount of $50,000

If family includes spouse:

  • Children have a full benefit amount of $5,000

If family doesn’t include spouse:

  • Children have a full benefit amount of $10,000

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Benefits will be paid as follows:

For the loss of... The plan will pay...
Life Full benefit amount
Both eyes, feet or hands or any combination thereof Full benefit amount
One eye, one foot or one hand 1/2 of full benefit amount
Thumb and index finger of same hand 1/4 of full benefit amount

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