Accidental Death & Dismemberment Insurance

Accidental Death and Dismemberment (AD&D) Insurance is available only for eligible employees who are not utility employees. AD&D Insurance is not provided for retirees, dependents or persons who are making COBRA self-payments.

AD&D Insurance benefits are payable if you suffer any of the losses shown on the Table of Losses below. The loss must result from an accident that occurs to you while you are eligible for AD&D Insurance and must occur within 90 days of the date of the accident.

Amount of Benefit - The full amount of your AD&D Insurance is shown on page 6 of the Schedule of Benefits. The amount payable for all losses resulting from any one accident cannot exceed this full amount. If you suffer any combination of the losses on the Table of Losses as the result of one accident, only one amount (the largest) is payable for all losses. The amount paid for accidental death (loss of life) is in addition to your Life Insurance benefit. For each of the following losses, the Plan will pay as follows:

Table of Losses
Loss of Benefit Amount
Life Full Amount—Paid to your beneficiary
Two hands or two feet or sight of two eyes Full Amount—Paid to you
One foot and sight of one eye Full Amount—Paid to you
One hand and sight of one eye Full Amount—Paid to you
One hand and one foot Full Amount—Paid to you
One hand, one foot, or sight of one eye One-half the Full Amount—Paid to you

Beneficiary - Your beneficiary for loss of life under this benefit is the same as for your Life Insurance. If you change your beneficiary for your Life Insurance, you automatically change your beneficiary for this benefit.

Exclusions and Limitations (Losses Not Covered) - No AD&D Insurance benefits will be paid for any loss:

  1. Which occurs more than 90 days after the date of the accident causing the loss; or
  2. Which results directly or wholly from or which is caused or contributed to by:
    1. Intentionally self-inflicted injury or suicide or attempted suicide, while sane or insane;
    2. Disease, medical or surgical treatment, ptomaines, bacterial infections, or bodily or mental infirmity; or
    3. War or any act of war (whether declared or undeclared).