Because accidents can strike without warning and result in loss of life or an income, Voluntary Accidental Death & Dismemberment (VAD&D) Insurance can help provide peace of mind should the unexpected happen. Whether you are on- or off-the-job, traveling within the United States or its territories, or your children participate in sports programs, you, your spouse, and children can have coverage in the event of an unexpected accidental injury.
VAD&D Insurance provides useful coverage at a cost that’s affordable to you. If you die as the result of a covered injury, the benefits can help pay the mortgage or help pay for your children’s college. If you are injured in a covered accident, this insurance can help.
You may enroll in one of the following VAD&D options:
Employee
Elect coverage between 1 and 8 times your base pay up to $2,000,000. Your coverage amount will be rounded up to the next highest $10,000 increment.
Employee plus dependent(s)
To enroll in VAD&D Insurance
please complete, sign and return
the enrollment form to:
Mercer Voluntary Benefits
P.O. Box 9122
Des Moines, IA 50306-9122
You may elect VAD&D coverage at any time and you are never required to provide evidence of good health for you or any eligible dependents.
Benefits:
MetLife Travel Assistance Services
Employees will have access to travel assistance services that provide immediate access to doctors, hospitals, pharmacies, and certain other services when faced with an emergency while traveling internationally or domestically more than 100 miles from home. Included in rates, insured through Travel Assistance.
Hospitalization
Provides a benefit equal to 1% of your coverage amount to a maximum of $2,500 per month, for confinements exceeding 5 days with a maximum duration of 12 months to help defray hospitalization costs resulting from an accident.
Common Disaster
Provides benefits if employee or spouse dies within one year of sustaining bodily injuries in the same accident. The spouse's amount will be increased to equal that of the employee's Schedule of Benefits.
Seat Belt and Airbag
If an insured person was wearing a properly fastened seat belt, the plan will pay an additional 10% of the coverage amount, subject to a minimum of $1,000 and a maximum of $25,000. Airbag benefits provide an additional benefit equal to 5% of the coverage amount shown in the Schedule of Benefits, however, the amount can't exceed $10,000.
Coma
A benefit of 1% of the coverage amount payable monthly, beginning on the seventh day of the coma and for the duration of the coma to a maximum of 60 months. The coma must begin within 30 days of the accidental injury and continue for seven consecutive days and must be directly and solely caused by accidental injury.
Day Care
In the event there is a death, children 12 years or younger get up to 3% of the employee's principal amount, not to exceed $5,000 per year, for up to four consecutive years.
Spouse and Dependent Child Education
Benefits equal to the lesser of the tuition charges or $10,000 per academic year for up to four consecutive academic years. The overall maximum is equal to 20% of the coverage amount. The eligible child must be enrolled as a full-time student in an accredited college, university or vocational school above 12th grade level at the date of the death of the employee.
Brain Damage
Provides additional benefits equal to 100% of the employee coverage amount. Damage must manifest itself within 30 days of the accidental injury, require a hospitalization of at least five days and persists for 12 consecutive months after the date of the accidental injury.
Workplace Felonious Assault
Provides an additional benefit equal to 20% of the coverage amount, up to a maximum of $20,000 if the employee suffers a covered loss resulting from an accidental injury to the employee by a Felonious Assault. Felonious Assault must be committed at the employee's place of business or while the employee is engaged in the employer's business (not counting working at home or regular commuting).
Exposure and Disappearance
Provides amount equal to your coverage amount for the loss of a covered person's life if the loss of life results from unavoidable exposure to the elements; and after one year, the employee’s or dependent’s body has not been found after the conveyance in which the employee or dependent was traveling:
Portability
VAD&D coverage is portable. The portable monthly rate for employee only coverage is $0.035 per $1,000. The portable rate for dependent coverage is $0.050 per $1,000.
Exclusions
VAD&D insurance benefits are not payable if your death or injury results from excluded acts.
| Details | ||||
|---|---|---|---|---|
Employee Only |
Employee plus Spouse Only Coverage |
Employee plus |
Employee, Spouse, and Children Coverage |
|
| Coverage amounts/levels | ||||
| Minimum | $50,000 or 1 times annual base pay | 60% of employee's coverage amount | 20% of employee's coverage amount | Spouse 50% of employee's coverage amount; Child 15% of employee's coverage amount |
| Maximum | 8 times annual base pay ($2,000,000 maximum) | $900,000 maximum | $50,000 maximum | Spouse $750,000 maximum, child $50,000 maximum |
| Covered Losses/Amount Payables* | ||||
| Life | 100% | 100% | 100% | 100% |
| Quadriplegia | 100% | 100% | 100% | 100% |
| Paraplegia | 75% | 75% | 75% | 75% |
| Hemiplegia | 50% | 50% | 50% | 50% |
| One hand and one foot | 50% | 50% | 50% | 50% |
| Sight of an eye | 50% | 50% | 50% | 50% |
| Hearing in both ears | 50% | 50% | 50% | 50% |
| Speech | 50% | 50% | 50% | 50% |
| Thumb and index finger of same hand | 50% | 50% | 50% | 50% |
| Special Features | Refer to Plan Highlights | Refer to Plan Highlights | Refer to Plan Highlights | Refer to Plan Highlights |
| Exclusions | Refer to Plan Highlights | Refer to Plan Highlights | Refer to Plan Highlights | Refer to Plan Highlights |
*Plan pays 100% if insured experiences two or more of the following:
| Phone 1-800-578-5696 |
| Hours M-F 8a-5p CT |
|---|
| Email employerbenefitsinquiries.service@mercer.com |
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who can enroll?
You can enroll if you are:
How much will coverage cost?
Monthly cost of insurance per $10,000 coverage unit
| Employee Only | $0.25 |
|---|---|
| Employee Plus Dependent(s) | $0.40 |
How much Voluntary Accidental Death & Dismemberment insurance can I get?
This program gives you two coverage options:
Option 1 - Employee Only:
Option 2 - Employee Plus Dependent(s):
How would I pay for my coverage?
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
| Enrollment Form |
| Plan Brochure |