Accidental Death & Dismemberment(AD&D)

Plan Information

Life is risky and accidents can happen in an instant, but the consequences can last a lifetime. Accidental death and dismemberment (AD&D) insurance gives you added financial security in sudden and tragic circumstances.  AD&D insurance can be a valuable and low-cost addition to your current benefits package

Basic Accidental Death and Dismemberment Insurance

AAA Carolinas provides full-time (30+ hours) team members the equivalent of their annual salary in accidental death and dismemberment (AD&D) insurance and pays the full cost for this benefit (maximum $200,000).


Voluntary Accidental Death and Dismemberment Insurance

Team Members, who want to supplement their AD&D insurance benefits, may purchase additional coverage. When you enroll yourself and/or your dependents in this benefit you pay the full cost through payroll deductions.

Contact Information

Carrier: Life Insurance Company Of North America


Phone: (800)-732-1603

Eligibility: All Fulltime Team Members(>30 hours)

Covers Team Member onlyCovers Team Member, spouse, and dependent children
Minimum Coverage $10,000Minimum Coverage $10,0000
Maximum Coverage $500,0000Maximum Coverage $500,0000
In increments of $10,0000In increments of $10,000
Loss of Two or More Hands or Feet100% of the Principal Sum
Loss of Sight of Both Eyes100% of the Principal Sum
Loss of One Hand or One Foot and Sight in One Eye100% of the Principal Sum
Loss of Speech and Hearing (in both ears)100% of the Principal Sum
Loss of Thumb and Index Finger of the Same Hand25% of the Principal Sum
Loss of all the Toes of the Same Foot20% of the Principal Sum
See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.

Important Documents

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