What Is Supplemental AD&D Insurance?

Typically, supplemental accidental death and dismemberment insurance is one of several types of insurance protection offered by your employer. Once you understand what AD&D insurance covers, you can decide if it is worth the money.

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Pays When Hurt in Accident

AD&D insurance does exactly what the name states -- it pays a sum of money if the covered individual is severely hurt or killed in an accident, whether it occurs at or away from work. AD&D coverage does not pay for death or disability caused by an illness. The dollar coverage amount is paid for a death, and the policy will include a list of payment amounts for different types of dismemberment. Only listed injury types will be covered.

Basic vs. Supplemental Coverage

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It can be a real good supplement to. Not available by the way if you're on Medicare or Medicaid or if.

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Source: ehow.com

Category: Insurance

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