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accidental death and dismemberment (AD&D)

Accidental death and dismemberment (AD&D) is a type of coverage often written in conjunction with group life insurance plans.

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It essentially provides for (1) "double indemnity" when death is caused by an accident and (2) defined dismemberment benefits. It will generally pay the full principal sum when death occurs or more than one member (e.g., hand, eye, or foot) is lost in an accident. One-half of the principal sum is generally paid when one member is lost.

Related Terms

In accident and health insurance policies, dismemberment encompasses loss of limbs or sight.

Double indemnity refers to payment by a life insurance policy of two times the face value when...