For Active Employees

Will my other benefits continue during the time I’m disabled?

If a disability extension has been negotiated for you (or for the bargaining unit employees of your employer), your benefits can be continued for up to 12 months or up to 18 months, whichever has been negotiated. Check your Schedule of Benefits to see whether a disability extension is included. Go to the Disability Extension of Benefits page for more information.

Your employer may be required to continue contributions for your coverage before a disability extension begins. If you have questions about your coverage, check with the Administrative Office or refer to the applicable Collective Bargaining Agreement.
more FAQs »

Accidental Death & Dismemberment

Eligibility

If you have employee life insurance, you will automatically have AD&D insurance. Dependents are not eligible for AD&D coverage.

Benefit

If you die as a result of an accident, the benefit will be paid to the same beneficiary you named for your life insurance. If you lose a limb or your sight as a result of an accident, benefits will be paid directly to you. Refer to the Schedule of Benefits by Employer for benefits payable.

Uncovered Losses

No AD&D benefit is payable if your death or other loss is caused directly or indirectly, wholly or partly, by any of the following:

  • bodily or mental illness or disease of any kind;
  • ptomaine or bacterial infections, except infections caused by pyogenic organisms that occur with and through an accidental cut or wound;
  • intentional self-destruction or injury you intentionally inflict on yourself, while sane or insane;
  • participation in the commission of a felony;
  • war or an act of war, whether declared or undeclared, or your taking part in a riot or insurrection; or
  • service in any military, naval, or air force of any country while such country is engaged in war.

Filing a Claim

You or your beneficiary should complete a claim form and return it along with any required documentation to the Administrative Office.