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Voluntary AD&D Insurance

The Lincoln AD&D Insurance Plan At-A-Glance

  • Provides a cash benefit to your loved ones if you die in an accident.
  • Provides a cash benefit to you if you suffer a covered loss in an accident.
  • Features group rates for Open Door employees.
  • Includes LifeKeys services, which provides access to counseling, financial, and legal support.
  • Also includes TravelConnect services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home.

Employee Coverage

CoverageAmount
Maximum coverage amount5 times your annual salary ($500,000 maximum) in $10,000 increments
Minimum coverage amount$10,000

Your employee AD&D coverage amount will reduce by 35% when you reach age 70 and an additional 15% of the original amount when you reach age 75. Benefits end when you retire.

Spouse Coverage

CoverageAmount
Maximum coverage amount50% of the employee coverage amount ($250,000 maximum) in $5,000 increments
Minimum coverage amount$5,000

You can secure AD&D insurance for your spouse if you select coverage for yourself.

Benefits end when employee reaches age 70.

Dependent Children Coverage

CoverageAmount
6 months to age 26 Maximum coverage amountUp to $10,000 in $2,000 increments
Minimum coverage amount$2,000
Age 14 Days to 6 months Maximum coverage amount$1,000

You can secure AD&D coverage for your dependent children when you choose coverage for yourself.

Additional Plan Benefits

Safe Driver BenefitIncluded
Education BenefitIncluded
Spouse Training BenefitIncluded
Felonious AssaultIncluded
Child Care BenefitIncluded
Coma BenefitIncluded
Common Disaster BenefitIncluded
Exposure BenefitIncluded
Disappearance BenefitIncluded
Common Carrier BenefitIncluded

Benefit Exclusions

Like any insurance, this AD&D insurance policy does have exclusions. Benefits will not be paid if death results from suicide, or death/dismemberment occurs while:

  • Intentionally inflicting or attempting to inflict injury to one’s self
  • Participating in a war, act of war, or riot
  • Serving on full-time active duty in the armed forces of any state or country (this does not include duty of 30 days or less training in the Reserves or National Guard
  • Flying on any non-commercial airplane or aircraft, such as a hot air balloon or glider (see the contract for details and exceptions)
  • Flying on a commercial airline or aircraft as a pilot or crew member
  • Committing or attempting to commit a felony
  • Deliberately inhaling gas (such as carbon monoxide) or using drugs other than those taken as prescribed by a licensed physician
  • Driving while intoxicated, impaired, or under the influence of drugs

In addition, this AD&D insurance policy does not cover sickness or disease, including the medical and surgical treatment of a disease.

A complete list of benefit exclusions is included in the policy. State variations apply.

Per Pay Rates

Employee | Semi-monthly Premiums for Voluntary AD&D Insurance

The estimated semi-monthly premium for AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $10,000) by the premium rate. See the table below for select coverage amounts.

$___________________ X __0.0000150__ = $_________________________
coverage amount premium rate semi-monthly premium

Coverage AmountSemi-Monthly Premium
$10,000$0.15
$50,000$0.75
$100,000$1.50
$250,000$3.75
$500,000$7.50
Note: Rates are subject to change and can vary over time.

Spouse | Semi-monthly Premiums for Voluntary AD&D Insurance

The estimated semi-monthly premium for AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $5,000) by the premium rate. See the table below for select coverage amounts.

$___________________ X __0.0000150__ = $_________________________
coverage amount premium rate semi-monthly premium

Coverage AmountSemi-Monthly Premium
$5,000$0.08
$25,000$0.38
$50,000$0.75
$125,000$1.88
$250,000$3.75
Note: Rates are subject to change and can vary over time.

Dependent Children | Semi-monthly Premiums for Voluntary AD&D Insurance

The estimated semi-monthly premium for AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $2,000) by the premium rate. See the table below for select coverage amounts.

$___________________ X __0.0000150__ = $_________________________
coverage amount premium rate semi-monthly premium

Coverage AmountSemi-Monthly Premium
$2,000$0.03
$4,000$0.06
$6,000$0.09
$8,000$0.12
$10,000$0.15
Note: Rates are subject to change and can vary over time.

Note: You must be an active Open Door employee to select coverage for a spouse and/or dependent children. To be eligible for coverage, a spouse or dependent child cannot be confined to a health care facility or unable to perform the typical activities of a healthy person of the same age and gender.

Previous Voluntary Term Life Insurance Plan Summary
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