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⚠️ '''Accidental death and dismemberment (AD&D)''' is a type of [[Definition:Insurance policy | insurance policy]] — or a rider attached to a [[Definition:Life insurance | life insurance]] or [[Definition:Group insurance | group insurance]] contract — that pays a [[Definition:Benefit | benefit]] when the insured dies or suffers a specified severe injury as the direct result of an accident. Unlike standard life insurance, which pays a [[Definition:Death benefit | death benefit]] regardless of cause, AD&D coverage is triggered only by accidental events, excluding losses caused by illness, suicide, or other non-accidental circumstances. It is widely offered as a voluntary or employer-paid supplement within [[Definition:Employee benefits | employee benefits]] programs across the United States.

🔍 Benefits under an AD&D policy follow a schedule that assigns a percentage of the [[Definition:Principal sum | principal sum]] to specific losses. Death typically triggers payment of the full principal sum, while the loss of one limb, one eye, or hearing in one ear might pay 50 percent, and the loss of both limbs or both eyes pays the full amount. The definition of "accident" and the list of [[Definition:Exclusion | exclusions]] — such as injuries sustained while intoxicated, during the commission of a felony, or from war — are set out in the policy language and vary among [[Definition:Insurance carrier | carriers]]. [[Definition:Claims adjudication | Claims adjudication]] often hinges on whether the injury meets the policy's specific criteria for an accidental cause, making clear policy drafting and consistent [[Definition:Underwriting | underwriting]] standards critical.

🛡️ AD&D coverage fills a niche that standard life and [[Definition:Disability insurance | disability insurance]] products do not fully address, giving policyholders and their [[Definition:Beneficiary | beneficiaries]] an additional financial safety net against sudden, unforeseen physical loss. Because [[Definition:Premium | premiums]] are relatively low — reflecting the narrower scope of covered events — AD&D is an attractive offering for [[Definition:Group benefits | group benefits]] platforms and [[Definition:Voluntary benefits | voluntary benefits]] enrollments. For insurers and [[Definition:Insurtech | insurtech]] companies distributing supplemental products, AD&D represents a high-volume, low-touch line that can be bundled efficiently with other workplace coverages to deepen policyholder relationships.

'''Related concepts'''
{{Div col|colwidth=20em}}
* [[Definition:Life insurance]]
* [[Definition:Group insurance]]
* [[Definition:Death benefit]]
* [[Definition:Disability insurance]]
* [[Definition:Voluntary benefits]]
* [[Definition:Supplemental insurance]]
{{Div col end}}

Definition:Accidental death and dismemberment (AD&D) - Revision history

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