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An accidental injury can be severe enough to prevent you from doing the work you do every day. Unfortunately, such an injury can easily happen to anyone. What if you experience the loss of your hand or leg following an automobile accident? Could you continue to work?
That’s where Accidental Death & Dismemberment Insurance comes in. This insurance provides you with a benefit for a covered accidental injury or accidental death. This benefit is paid in addition to any health insurance benefits you might receive.
To learn more about the rates of this program, click on the Forms tab.
Accidental Death and Dismemberment (AD&D) insurance coverage is provided under the terms of a group AD&D insurance policy. Group Policy #63584-7, issued and delivered in the state of California to the State Bar of California as the policyholder. The group AD&D insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, Minnesota. The policy is administered on behalf of ReliaStar Life Insurance Company by Mercer Heath & Benefits Administration, LLC, an insurance administrator licensed in the state of California. This is a paid endorsement. The State Bar of California receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.
ReliaStar Life does not pay benefits for loss directly or
indirectly caused by any of the following:
ReliaStar Life does not pay benefits for loss sustained or contracted in consequence of your being under the influence of any controlled substance unless administered on the advice of a doctor.
This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. The group policy is sitused in the State of California and is governed by its laws. Group AD&D Insurance underwritten by ReliaStar Life Insurance Company. Policy Form HP010GP
AD&D is insurance that pays if you die or are disabled as a result of injuries caused by a covered accident (not due to an illness). A covered accident is one that is explicitly mentioned in the certificate as a basis for payment.
AD&D coverage generally features:
You should consider AD&D insurance if you have loved ones whose security would be threatened if an accident took you suddenly or you could not earn an income owing to a dismembering disability.
If you’re concerned about the possibility of an accidental death or dismemberment but do not want to purchase additional life insurance to cover those possibilities, AD&D can help cover this non-health-related risk.
AD&D is valuable coverage that can help protect your family. However, since benefits are paid only in the event of a covered accident (or covered dismemberment), and not due to illness or other causes, it is generally recommended that AD&D be purchased to supplement other life or health insurance, not used as a substitute for other insurance coverage.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
Insurance Enrollment Form & Brochure
Beneficiary Change Form
12421 Meredith Drive
Urbandale, IA 50398
7:30 a.m. to 5:00 p.m. M-F CST
ReliaStar Life Insurance Company
Minneapolis, MN 55440
The State Bar of California Insurance Program
P.O. Box No 14464
Des Moines, IA 50306-8993
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Details of Mercer disclosure of the compensation.