What to know about Accidental Death & Dismemberment Insurance

Accidental Death and Dismemberment (AD&D) insurance offers lump sum benefits for both death and serious permanent injuries due to an accidental event. It can be offered on a standalone basis or sold as a supplement to Life Insurance. Along with Life Insurance, Accidental Death benefits round out an employee’s total death benefit to help protect the families of the employee when income ceases due to the death of the employee.

Accidents are the leading cause of death for persons between the ages of 15 and 44.

Unlike Life Insurance, AD&D also offers lump sum benefits in the event that the employee survives a serious accidental event (living benefits).  This is detailed in the policy’s dismemberment schedule:


For Loss of: Percentage of Principal Sum Paid
Life 100%
Two or more Limbs 100%
One Limb 50%
Loss of Speech 50%
Loss of Hearing (in both ears) 50%
Loss of Speech and Hearing 100%
Thumb and Index Finger of the Same Hand 25%
Quadriplegia 100%
Hemiplegia 100%
Paraplegia 100%


Ponca Insurance LLC is focused on the customer. We cater to the needs of the small business owner while creating meaningful supplemental insurance products for the benefit of all employees. To learn more about AD&D insurance, give Ponca Insurance LLC a call at 609-212-3833.

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