Accidental Death and Dismemberment (AD&D)
UNM offers insurance to provide coverage in the event of accidental
death or dismemberment.
Highlights
- You are eligible to select coverage in multiples of $10,000- up to
10 times your annual salary or $600,000, whichever is less.
- Benefits under this policy are payable only when death or
dismemberment are the result of an accident.
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Eligibility and coverage
In order to be eligible for AD&D, you must:
- Be working part-time (50% appointment percentage) or more, and
- Be a faculty or staff member in a regular position.
When you enroll, you can elect to cover yourself and/or your family.
Eligible family members are:
- Your legal spouse.
- Your domestic partner.
- All unmarried dependent children under age 25.
A person may not be insured as both an employee and a dependent.
- An eligible dependent child may not be insured as a dependent child
of more than one employee.
- Your spouse will be covered for 50% of your benefit amount, or 40%
if you have eligible children.
- Each of your eligible children will be insured for 15% of your
benefit amount, or 10% if your spouse is eligible for coverage.
Your benefit amount will be a percentage of your selected benefit
depending on your age on the date of loss. For example, if an employee
has selected coverage of $40,000, the payable benefit will be $40,000
provided the employee is 69 years of age or younger. If this same
employee is between 70 and 74 years of age, the benefit is 65% of
$40,000 or in this case, $26,000.
|
Age on Date of Loss
|
Selected Principal Sum
|
|
Age 69 or younger
|
100%
|
|
Age 70 - 74
|
65%
|
|
Age 75 - 79
|
45%
|
|
Age 80 - 84
|
30%
|
|
Age 85 and older
|
15%
|
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Accidental death plan
provisions
|
Amount of Benefit
|
Specific Loss
|
|
100%
|
Both hands or both feet
|
|
100%
|
Complete loss of sight in both eyes
|
|
100%
|
Quadriplegia
|
|
75%
|
Paraplegia
|
|
50%
|
Loss of one hand or one foot
|
|
50%
|
Complete loss of sight in one eye
|
|
50%
|
Loss of speech
|
|
50%
|
Loss of hearing in both ears
|
|
25%
|
Loss of thumb and index finger on same hand
|
Many specific situations may be covered at various levels. For
example, additional benefits may be available to your beneficiaries to
provide child-care or educational benefits. Additional benefits may
also be available if you were using your seatbelt at the time of an
accident. Please refer to the Certificate of Coverage for detailed
information.
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Cost of coverage
This coverage is available for $.21 for every $10,000 in benefits.
You may extend coverage to your eligible family members for just $.35
for each $10,000 of your benefit amount. For example, for $100,000 of
benefits, you would pay $2.10 for yourself only and $3.50 for family
coverage each month.
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CIGNA Accidental Death and Dismemberment Brochure
Identity theft reconciliation
service
UNM now offers Identity Theft reconciliation service at no extra cost
for employees enrolled in the AD&D plan with CIGNA. Please review the
brochure for information about this program.
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Will preparation
UNM offers a will preparation service at no extra cost for any
employee enrolled in the AD&D plan with CIGNA. Please review the brochure for information about this program.
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