State Bar of California-Sponsored Group Accidental Death and Dismemberment (AD&D) Insurance Plan

This Group AD&D insurance plan provides coverage for death or serious injury resulting from various accidents, including:

• Car, motorcycle, or other vehicle accidents
• Accidental falls
• Accidents during activities like hiking, biking, or other leisure activities
• Injuries or death caused by accidents while working
• Injuries while tackling construction projects, DIY repairs, or using power tools
• Exposure to the elements
• Disappearance from a method of conveyance that sinks or wrecks

Commonly covered injuries include:

• Loss of limb, sight, speech, or hearing
• Paralysis due to a covered accident

In the event of an accidental death, the full benefit amount is paid to an insured’s beneficiaries. This benefit is paid in addition to any other insurance benefits the insured might receive.

Like most insurance policies, this AD&D plan includes specific exclusions. Coverage does not apply to any loss resulting from:

• Physical or mental illness, or treatment for such conditions
• Infection, other than infection occurring in an external accidental wound
• Suicide or intentionally self-inflicted injuries
• Service in the armed forces. However, service in reserve forces does not constitute service in the armed forces, unless in connection with such reserve service an individual is on active military duty as determined by the applicable military authority other than weekend or summer training. For purposes of this provision reserve forces are defined as reserve forces of any branch of the military of the United States or of any other country or international authority, including but not limited to the National Guard of the United States or the national guard of any other country
• Driving a vehicle or operating another device while intoxicated as defined by the laws of the jurisdiction in which the vehicle or other device was being operated.
• The voluntary intake or use by any means of: 1) any drug, medication or sedative, unless it is: taken or used as prescribed by a Physician, or an “over the counter” drug, medication or sedative, taken as directed; 2) alcohol in combination with any drug, medication, or sedative; or 3) poison, gas, or fumes;
• Committing or attempting to commit a felony
• War, whether declared or undeclared; or act of war, insurrection, rebellion, riot
• Any incident related to: 1) travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger; 2) travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in flight; 3) parachuting or otherwise exiting from an aircraft while such aircraft is in flight except for self-preservation; 4) travel in an aircraft or device used for testing or experimental purposes; by or for any military authority; or for travel or designed for travel beyond the earth’s atmosphere.

See your certificate for details.

Benefits paid are determined by the extent of the injury. General breakdown of benefits are as follows.

The amount of AD&D coverage needed depends on various factors such as an insured’s financial obligations and goals. A person should also consider factors like outstanding student loans, family support, mortgage or rent payments, and educational needs for a spouse or children. Generally, more financial responsibilities would require more coverage. This benefit provides the opportunity for guaranteed coverage at an economical rate.

While life insurance pays beneficiaries upon death, our Group Accidental Death & Dismemberment (AD&D) Insurance Plan provides financial protection from accidental injuries and fatalities. AD&D can be an effective supplement to life insurance by filling in gaps that life insurance doesn’t cover.

AD&D insurance financially protects against life-altering accidents that result in severe injuries or impairments like loss of a limb, sight, speech, or hearing. It can compensate for medical costs, rehabilitation, and other everyday expenses if an accident affects an insured’s ability to work.

AD&D insurance is also guaranteed issue, meaning it doesn’t require underwriting or medical exams.

Need Life Insurance?

“Guaranteed issue” means applicants are automatically approved for this plan without any health questions or medical exams. Coverage will be effective on the first of the month following receipt of a completed Enrollment Form and the first premium payment.

Yes, coverage can be extended to a spouse or domestic partner and dependent children. Spouse coverage with no listed eligible children is up to 50% of benefit amount. For policies covering both a spouse and child(ren) these percentages are reduced to 40% for the spouse and 10% for each child. If there is no spouse listed, each dependent child is eligible for 15% of the benefit amount.

Coverage for your domestic partner or dependent children varies based on who is enrolled in your policy. For example, if you obtain coverage for $500,000, the coverage amounts would be as follows:

The claims process typically requires proof of a covered accident and any medical documentation related to the injury or fatality. Once documentation is submitted, benefits are usually paid directly to the insured, in the event of an accident, or the beneficiary, in the event of a death. Payments can be used for any purpose as needed.

Yes, the amount of coverage reduces to 50% at age 65, and to the lesser of 25% or $50,000 at age 70. These reductions and restrictions are standard in most AD&D policies, ensuring coverage remains accessible throughout a person’s working years while balancing age-related risk.