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When the unexpected happens, having a safety net in place brings peace of mind. Accidental Death and Dismemberment (AD&D) offers financial protection for you and your loved ones. Alera Group provides company-paid coverage automatically. You have the option to purchase additional protection for yourself and your family.
Alera Group automatically provides Basic AD&D Insurance at no cost. You can purchase additional Voluntary AD&D Insurance for yourself, your spouse/domestic partner, and your children as a new hire, during Open Enrollment, and within 30 days after a qualified life event.
Basic AD&D Insurance pays a benefit if you suffer an accidental injury or pass away due to a covered accident. For Voluntary AD&D Insurance, the amount you, your spouse/domestic partner, and children can elect varies. See below for details.
Benefits are paid to you (in the event of an injury) or your beneficiary (if you pass away). You must choose a beneficiary through the Alera Group Benefits Center.
Your benefit is equal to one times your annual earnings, with a $50,000 minimum and $200,000 maximum benefit.
You can purchase up to $1,000,000 of Voluntary AD&D Insurance for yourself.
You can purchase up to $500,000 for your spouse/domestic partner, but the amount you purchase can’t exceed 50% of your coverage amount.
You can purchase coverage in the following amounts:
Premiums for coverage depend on the benefit amount you select and are deducted from your paycheck after taxes. You will see the amounts when you enroll through the Alera Group Benefits Center.
You can take your AD&D insurance with you if you retire or leave Alera Group by completing the conversion election form or portability election form.
