We care about Aflac’s policyholders affected by the recent weather:
To help provide relief for California policyholders residing in Santa Cruz County who were affected by the coastal storms, Aflac will provide a premium grace period starting Dec. 23, 2024, and ending Apr. 15, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
We care about Aflac’s policyholders affected by the recent wildfires:
To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide a premium grace period starting Jan. 7, 2025, and ending Mar. 10, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
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Accidents can cause not only emotional turmoil to individuals and their families, but also financial strain involved in covering the costs of an injury or death. Luckily, accidental death and dismemberment (AD&D) insurance can help protect you and loved ones against these covered events. These are designed to help provide financial security by helping to pay for treatment, rehabilitation, or end-of-life expenses. This article will explain what AD&D insurance does and doesn’t cover, along with how to get a policy.
Table of Contents
Accidental death and dismemberment insurance, or AD&D insurance, is a plan that helps cover the insured if a covered accident causes a dismemberment or death. AD&D insurance offers supplemental coverage that is usually added as a rider on a health or life insurance plan.1 If you get AD&D as a life insurance rider, loved ones may receive both the standard death benefit and the rider’s death benefit.
AD&D insurance covers a range of circumstances, including the following:1
AD&D insurance policies typically don’t cover specific causes of death or dismemberment. Some of these include:2
Always check your policy documents to be sure what your policy covers.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedYou can typically get AD&D insurance through work or individually through an insurer, and each type of policy works differently. Let’s look at the differences between group and individual AD&D insurance:
Group AD&D insurance is a workplace benefit employers can offer employees. This kind of coverage tends to cost less than individual AD&D insurance since the risk is spread across more individuals. Additionally, you can have premiums deducted from your paycheck to make payments more manageable. Some employers may cover all employee premiums. To get this type of coverage, you simply select it when enrolling in your benefits plan if your employer offers it.
Keep in mind that group AD&D insurance may offer fewer choices in terms of coverage and policy terms. The benefits may also be lower.
Individual AD&D insurance may cost more than group AD&D insurance. However, you may have more flexibility since you can shop with multiple insurers and choose from a wider range of coverage amounts and terms. Plus, you can keep your policy if you change jobs.
You can get these policies from any insurer that offers them. When you apply, you’ll need to fill out some paperwork with information about yourself, your job, and your lifestyle. You can also get AD&D insurance as a rider on a life insurance plan if your insurer offers these riders.
Here are a few benefits and drawbacks of getting an AD&D insurance policy:
AD&D insurance costs can vary depending on coverage.2 You can shop around to find the best fit for you. However, remember that many factors, such as your age, health history, and more, can impact your premiums.
If you get injured, you may be unable to work for a certain period while recovering. An AD&D policy can help you and your loved ones by offering financial protection. Similarly, if you pass away, an AD&D insurance plan can help provide your family with an added financial safety net. This is also true if you add it as a rider to your life insurance plan — loved ones could receive a larger death benefit, leaving them more financially secure.
AD&D insurance can help you cover medical costs related to treating and recovering from a covered injury. Plus, your funds can go even further if you get a short-term disability insurance policy alongside your AD&D insurance. The short-term disability policy can help replace part of your income, allowing your AD&D funds to cover more medical costs.
Some prospective policyholders find medical exams for life insurance policies inconvenient or invasive. They also lengthen the application and underwriting processes. AD&D insurance generally doesn’t require a medical exam.2 Furthermore, prospective policyholders can’t be denied for health reasons. Each insurer is different, and limitations and exclusions apply.
AD&D insurance only covers accidental deaths or injuries, so not everything is covered.2 Additionally, some causes of death that may be accidental, such as overdoses, may not be covered. On the other hand, life insurance usually covers nearly all causes of death.
AD&D insurance can be a way to help protect your loved ones in case of a covered accident or injury. The payout can help you or loved ones cover expenses if you get injured or pass away. But keep in mind that it only covers injuries or deaths due to covered accidents and has several exclusions.
Aflac offers an accidental-death benefit rider that you can apply for as an add-on to a life insurance policy. Having both life insurance and this rider can help ensure you’ll be covered for nearly all causes of death. Speak with an Aflac agent today to explore how to help protect your loved ones with life insurance and an accidental-death benefit rider.
Get Started
Life insurance covers your loved ones if you pass away unexpectedly. Learn how life insurance works, what it covers, and some types of policies available.
How much life insurance do you need? Learn how life insurance works, how to calculate your needs, and life insurance plans to consider.
Life insurance covers your loved ones if you pass away unexpectedly. Learn how life insurance works, what it covers, and some types of policies available.
How much life insurance do you need? Learn how life insurance works, how to calculate your needs, and life insurance plans to consider.
1 Investopedia - Accidental Death and Dismemberment (AD&D) Insurance. Updated September 20, 2024. https://www.investopedia.com/terms/a/accidental-death-dismemberment-insurance.asp. Accessed December 16, 2024.
2 Forbes – Understanding AD&D Insurance: Benefits & Coverage. Updated February 1, 2024. https://www.forbes.com/advisor/life-insurance/accidental-death-and-dismemberment-insurance/. Accessed November 25, 2024.
Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Aflac life plans - B60000 series: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series/Term: In Delaware, Policies Q60200CM. In Arkansas, Idaho, Oklahoma, Policies ICC18Q60200C, ICC18Q60300C, ICC18Q60400C. Not available in Virginia.
Short-Term Disability, A57600 series: In Arkansas, Policies A57600AR & A57600LBAR. In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK &A57600LBOK. In Oregon, Policies A57600OR & A57600LBOR. In Pennsylvania, Policies A57600PAR &A57600LBPA. In Texas, Policies A57600TX &A57600LBTX. In Virginia, Policies A57600VA &A57600LBVA.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York.
Group coverage is underwritten by Continental American Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For individual coverage in New York or coverage for groups sitused in New York, coverage is underwritten by Aflac of New York.
Group coverage:
Term Life 9100 series: In Arkansas, Policy CAI9100. In Idaho, Policy CAI9100R, In Oklahoma, Policy CAI9100OK, In Pennsylvania, Policy CAI9100PA. In Virginia, Policy CA9100RVA.
Term Life 92000 series: In Arkansas, Idaho, Oklahoma, Oregon and Pennsylvania. In New York, Policy AF92100NY.
Term Life 93000 series: In Arkansas, Idaho, Oklahoma, Oregon and Pennsylvania Policy ICC22 C93100.
Whole Life 9800 series: In Arkansas, Policy WL9800-MP AR. In Idaho, Policy WL9800-MP ID, In Oklahoma, Policy WL9800-MP OK, In Pennsylvania, Policy WL9800-MP (PA).
Whole Life 60000 series: In Arkansas, Policy C60100. In Idaho, Policy C60100ID, In Oklahoma, Policy C60100OK, In Oregon, Policy C60100OR. In Pennsylvania, Policy C60100PA.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
Continental American Insurance Company | Columbia, SC
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