Voluntary Accidental Death & Dismemberment (AD&D)

Associates may elect voluntary term AD&D insurance through Reliance Matrix. Contributions are on a post-tax basis.

Associates may purchase additional AD&D for themselves, in increments of $10,000, up to the lesser of $500,000, or 10 times earnings for elections over $150,000 (i.e., if you earn $10,000 a year, you may still elect $150,000). This benefit reduces by 50% at age 75 and then to 25% of the original amount at age 80.

Coverage may also be purchased on a family basis, which covers you, your spouse and/or your dependent children as follows:

  • A spouse with no dependent children is insured for 100% of the associate’s AD&D benefit. A spouse with dependent child(ren) is covered for 60% of the associate’s AD&D benefit, while each dependent child is covered individually at 10% of the associate’s AD&D benefit.
  • If there is no spouse, each dependent child is insured for 15% of the associate’s AD&D benefit.