{"id":2135,"date":"2021-05-19T18:06:23","date_gmt":"2021-05-19T18:06:23","guid":{"rendered":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/?page_id=2135"},"modified":"2024-07-01T10:24:28","modified_gmt":"2024-07-01T14:24:28","slug":"accidental-death-dismemberment","status":"publish","type":"page","link":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/accidental-death-dismemberment\/","title":{"rendered":"Accidental Death &#038; Dismemberment"},"content":{"rendered":"<h2 class=\"wp-block-heading small\">Accidental Death and Dismemberment Insurance:<\/h2>\n<ul>\n<li>Insured Principal Sum: amounts between $10,000<br \/>and $250,000<\/li>\n<li>Insured Principal sum amounts may not exceed 10x<br \/>the insured\u2019s annual salary<\/li>\n<li>Supplement Existing Employer-Offered Life Insurance<br \/>for Added Protection<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading small h2\">Features of our AD&amp;D policy:<\/h3>\n<h5 class=\"wp-block-heading\">Plan Options:<\/h5>\n<ul>\n<li>Insured Only Coverage<\/li>\n<li>Insured and Family Coverage<\/li>\n<li>Stand Alone<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Family Coverages:<\/h5>\n<ul>\n<li><strong>Spouse Principal Sum:<\/strong>\n<ul>\n<li>50% of Insured\u2019s Principal Sum if at the time of claim there is no Dependent Child<\/li>\n<li>40% of Insured\u2019s Principal Sum if there is at least one Dependent Child<\/li>\n<\/ul>\n<\/li>\n<li><strong>Child(ren) Principal Sum:<\/strong>\n<ul>\n<li>10% of Insured\u2019s Principal Sum if at the time of claim there is a Spouse<\/li>\n<li>15% of Insured\u2019s Principal Sum if at the time of claim there is no Spouse<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\">Additional AD&amp;D Features and Benefits<\/h4>\n<div class=\"add-features table-responsive\">\n<table class=\"table td-first-primary\">\n<tbody>\n<tr>\n<td>Airbag Benefit<\/td>\n<td>lesser of 10% of the Insured\u2019s Principal Sum to a Maximum Benefit of $10,000<\/td>\n<\/tr>\n<tr>\n<td>Bereavement And Trauma Counseling Benefit<\/td>\n<td>$100 per session<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Maximum Number of Sessions Maximum Benefit<\/td>\n<td>5 sessions <\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Per Covered Accident<\/td>\n<td>$500 <\/td>\n<\/tr>\n<tr>\n<td>Child Care Center Benefit<\/td>\n<td>lesser of actual cost; 3% of the Insured\u2019s Principal Sum; or $2,000 incurred within 4 years of date of death<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Maximum Benefit Period<\/td>\n<td>to Age 13 for each surviving Dependent Child<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Common Accident Benefit<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Covered Spouse Benefit<\/td>\n<td>100% of the Insured\u2019s Principal Sum up to a Maximum Benefit of $500,000<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Maximum Benefit Period<\/td>\n<td>90 days from the date of a Covered Accident<\/td>\n<\/tr>\n<tr>\n<td>Disappearance Benefit<\/td>\n<td>100% of the Insured\u2019s Principal Sum if a body has not been found within 1 year<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Emergency Medical Evacuation Benefit<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Maximum Benefit Per Covered Accident<\/td>\n<td>lesser of actual or $10,000<\/td>\n<\/tr>\n<tr>\n<td>Exposure Benefit<\/td>\n<td>100% of the Insured\u2019s Principal Sum<\/td>\n<\/tr>\n<tr>\n<td>Extended Dependents Insurance Benefit<\/td>\n<td>dependent\u2019s coverage continued for 12 months after death of the Insured employee<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Higher Education Benefit<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Surviving Dependent Child Benefit <\/td>\n<td>lesser of 2% of the Insured\u2019s Principal Sum subject to a Maximum Benefit of $2,500 per year<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Maximum Benefit Period<\/td>\n<td>4 years per dependent child under age 25 max $10,000 per child<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Default Benefit<\/td>\n<td>$2,000<\/td>\n<\/tr>\n<tr>\n<td>Home Alteration And Vehicle Modification Benefit<\/td>\n<td>lesser of: actual cost of alterations; 2% of the Insured\u2019s Principal Sum; or $2,500<\/td>\n<\/tr>\n<tr>\n<td>Line of Duty Benefit<\/td>\n<td>lesser of $50,000 or 100% of the Insured\u2019s Principal Sum<\/td>\n<\/tr>\n<tr>\n<td>Rehabilitation Benefit<\/td>\n<td>lesser of: actual cost of rehabilitation; 10% of the Insured\u2019s Principal Sum; or $10,000<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Repatriation of Remains Benefit<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Maximum Benefit<\/td>\n<td>lesser of actual or $5,000<\/td>\n<\/tr>\n<tr>\n<td>Seat Belt Benefit<\/td>\n<td>lesser of 10% of the Insured\u2019s Principal sum or $50,000<\/td>\n<\/tr>\n<tr>\n<td>Spouse Training Benefit<\/td>\n<td>lesser of actual cost or $5,000<\/td>\n<\/tr>\n<tr>\n<td class=\"td-indent-1\">Default Benefit<\/td>\n<td>$2,000<\/td>\n<\/tr>\n<tr>\n<td>Total and Permanent Disability Benefit<\/td>\n<td>lesser of 50% of the Insured\u2019s Principal Sum or $50,000<\/td>\n<\/tr>\n<tr>\n<td>Waiver of Premium Benefit<\/td>\n<td>premium waived if Insured is disabled prior to age 60 after 9 months<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"footnotes\">Policy Form: ALGADDP-10*<br \/>*Features &amp; form numbers may vary by state.<\/p>\n<p class=\"pdf-footer-note\">The information in this product sheet is in an abbreviated form only. The actual coverage and amounts are subject to all the terms, limitations and exclusions in the policy. If the information in this product sheet differs from the Accidental Death &amp; Dismemberment Policy, the terms of the policy govern.<\/p>\n<p><a href=\"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-content\/uploads\/sites\/3\/2021\/05\/add.pdf\" class=\"cta\" target=\"_blank\" rel=\"noopener noreferrer\">Download the PDF<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Accidental Death and Dismemberment Insurance: Features of our AD&amp;D policy: Plan Options: Family Coverages: Additional AD&amp;D Features and Benefits Airbag Benefit lesser of 10% of the Insured\u2019s Principal Sum to a Maximum Benefit of $10,000 Bereavement And Trauma Counseling Benefit $100 per session Maximum Number of Sessions Maximum Benefit 5 sessions Per Covered Accident $500&#8230;  <a class=\"excerpt-read-more\" href=\"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/accidental-death-dismemberment\/\" title=\"Read Accidental Death &#038; Dismemberment\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/pages\/2135"}],"collection":[{"href":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/comments?post=2135"}],"version-history":[{"count":7,"href":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/pages\/2135\/revisions"}],"predecessor-version":[{"id":4228,"href":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/pages\/2135\/revisions\/4228"}],"wp:attachment":[{"href":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/media?parent=2135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}