What is AD&D Insurance?

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 other insurance benefits you might receive. With the possibility of losing a loved one due to an accidental death, it is easy to see the benefits of our added coverage.

Benefit Features

• Choice of benefit amounts up to $750,000
• 24-hour coverage—at economical group rates—anywhere in the world
• Benefits paid directly to the insured or their beneficiary
• Coverage also available for your spouse or domestic partner and dependent children
• Offered as a fringe benefit to employees of licensed attorneys and the employees' families

This economical insurance is an ideal way to give yourself that extra coverage for the unexpected. Accidents can happen to anyone—protect yourself and your family.

Can I get Family Coverage?

Your spouse/domestic partner and dependent children (14 days to age 25) are also guaranteed coverage. Your spouse/domestic partner benefits are 40% of the benefit amount you choose and dependent child(ren)'s benefits are 10% of your benefit. If no spouse/domestic partner coverage is elected, each dependent child's coverage is 15% of your benefit. If no child coverage is elected, your spouse's/domestic partners benefits are 50% of your coverage.

Additional Benefits such as:

• Safe Driver Benefit
• Education Benefits
• Child Care Benefits Paid To Your Family
• Coma Benefit
• Common Carrier Benefit
• Total And Permanent Disability
• Training Benefit
• Elder Care Benefit
• Expose and Disappearance Benefit
• Transportation Benefit
• Burn Disfigurement Benefit
• Rehabilitation Benefit
• Common Disaster Benefit

Benefits Summary

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. Policy Form HP010GP. 

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, MN). The policy is administered on behalf of ReliaStar Life Insurance Company by AMBA Administrators, Inc., 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.