Coverage

Davidson College, at no cost to employees, provides 1 times annual earnings of Basic Life and Accidental Death and Dismemberment Insurance (AD&D) for full-time, regular employees.   Accidental Death and Dismemberment Insurance (AD&D) pays your beneficiary a death benefit if you die due to a covered accident while you are insured. It also pays you a benefit for certain accidental injuries.

• Death benefits are paid in addition to any life insurance benefits
• AD&D pays benefits for accidental loss of limbs, thumb and index finger, speech, hearing, and sight
• AD&D covers losses that occur away from work or at work. Benefits are paid in addition to any Workers’ Compensation benefits you collect.

If bodily injuries result in death or dismemberment within one year of a covered accident, the basic plan will pay as follows:

Basic Coverage	Basic Coverage Amounts
Accidental loss of life, two limbs, the sight of both eyes, one limb and the sight of one eye, or speech and hearing	Full benefit amount
Loss of one member*, sight of one eye, or speech or hearing	1/2 full benefit amount
Loss of thumb and index finger of same hand	1/4 full benefit amount
* Member means hand, foot or eye

Additional voluntary life insurance is also available for purchase.

Voluntary Supplemental AD&D

In addition to the college-paid AD&D plan, Davidson offers additional voluntary coverage for all regular employees and their families through The Hartford (see eligibility below).  You may select from $25,000 up to $500,000 (amounts above $150,000 may not exceed 10 times your annual earnings).  This insurance also offers a paralysis benefit, an education benefit and a safe driving benefit.  If you choose family coverage, your eligible family members are guaranteed acceptance.  Your spouse and all unmarried, dependent children under the age of 19 (or under 23 if attending school full-time), can be insured for a portion of your benefit amount for a small additional monthly cost.   This insurance is guaranteed.  Upon selection, you will need to designate a beneficiary and provide his or her address and social security number.

Additional Coverage through Voluntary AD&D	Coverage Amounts
Employee	Amount selected between $25,000 and $500,000
Spouse (you may not elect coverage for your spouse if your spouse is already covered as an employee under this policy)	60% of employee's benefit amount (or 50% if you have eligible children)
Dependent Children	15% of employee's benefit amount (or 10% if spouse is eligible for coverage)

Important Information

As is standard with most insurance, this AD&D insurance coverage includes limitations and exclusions, including: 

• The amount of your coverage may be reduced when you reach certain ages. 
  • Basic Life benefits reduce to 65% at age 65, and to 50% of the remaining amount at age 70.
  • Voluntary AD&D benefits reduce to 65% at age 70, 45% at age 75, to 30% at 80, and to 15% at age 85. 
• AD&D insurance does not cover losses caused by or contributed by:
  • Sickness;  disease; or any treatment for either; 
  • Any infection, except certain ones caused by an accidental cut or wound; 
  • Intentionally self-inflicted injury, suicide or suicide attempt; 
  • War or act of war, whether declared or not; 
  • Injury sustained while in the armed forces of any country or international authority;
  • Taking prescription or illegal drugs unless prescribed for or administered by a licensed physician; 
  • Injury sustained while committing or attempting to commit a felony;
  • The injured person’s intoxication.

Other exclusions may apply depending upon the terms of your policy and other requirements. 

Eligibility

Basic Life and Basic AD&D Coverage

• Active, full-time employees who are regularly scheduled to work 37.5 hours or more per week and 12 months per year.  Coverage goes into effect the first of the month following 30 days of continuous service.

Voluntary Supplemental AD&D Coverage

• Active, full-time employees, effective the first of the month following 30 days of continuous service
• All regular part-time employees (budged for at least 1,000 hours/year), effective the first of the month following 60 days of continuous service

Costs for Voluntary Supplemental AD&D

There is no cost to employees for the Basic Life Insurance and Accidental Death & Dismemberment Insurance.  If an employee chooses voluntary supplemental AD&D Insurance, the charge for this post-tax benefit is as follows:

Coverage	Employee Only	Employee + Family
$25,000	Monthly $0.60 / Bi-weekly $0.28	Monthly $1.00 / Bi-weekly $0.46
$50,000	Monthly $1.20 / Bi-weekly $0.55	Monthly $2.00 / Bi-weekly $0.92
$100,000	Monthly $2.40 / Bi-weekly $1.11	Monthly $4.00 / Bi-weekly $1.85
$150,000	Monthly $3.60 / Bi-weekly $1.66	Monthly $6.00 / Bi-weekly $2.77
$200,000	Monthly $4.80 / Bi-weekly $2.22	Monthly $8.00 / Bi-weekly $3.69
$250,000	Monthly $6.00 / Bi-weekly $2.77	Monthly $10.00 / Bi-weekly $4.62
$300,000	Monthly $7.20 / Bi-weekly $3.32	Monthly $12.00 / Bi-weekly $5.54
$500,000	Monthly $12.00 / Bi-weekly $5.54	Monthly $20.00 / Bi-weekly $9.23

Forms, Links and Vendor Information

Voluntary AD&D Enrollment Form

Hartford College Paid Life (Plan Description)

AD&D (Plan Description)

Basic Life and AD&D Benefit Highlights Sheet (Full-time Employees)

Voluntary AD&D Benefits for Part-time Employees Highlights Sheet (Part-time Employees)

The Hartford Insurance Company

Plan Administrator

Davidson College

Member Services

800-548-5157 

Last Update 10/22/08