The Standard Accidental Death & Dismemberment (AD&D) Plan

Accidental Death and Dismemberment (AD&D) provides benefits for you or your insured dependents in the event of a covered accident—on or off the job—which results in loss of life, limbs, use of limbs, eyesight, hearing or speech. You may select $25,000 to $500,000 (in $25,000 increments) of coverage.

You must be enrolled for coverage in order to cover your dependents. Your dependent’s coverage is a percentage of your selected benefit amount. They are as follows:

Spouse – The spouse’s benefit amount will be 40 percent of the employee’s, or 50 percent if the employee has no dependent children. This amount cannot exceed $250,000.

Children – Each covered child’s benefit amount will be 10 percent of the employee’s, or 15 percent if the employee has no spouse. The maximum children’s benefit is $25,000.

Benefits will be reduced based upon the age of you or your spouse:

  • If you are at age 65, to 65% of the original face value of the coverage amount in force
  • If you are at age 70, to 50% of the original face value of the coverage amount in force

NOTE: Premiums will be adjusted.

Summary of Benefits

Covered Accidents and Bodily Injuries

Accidental Death and Dismemberment (AD&D) will pay the following percentage of the amount of coverage you purchase (from $25,000 up to $500,000 for employee coverage) if, within 365 days of an eligible accident, bodily injuries result in:

Loss of life 100%
Total paralysis of arms and legs 100%
Loss of any combination of two: hands, feet or eyesight 100%
Loss of speech and hearing in both ears 100%
Loss of arm/leg permanently severed at or above elbow/knee 75%
Total paralysis of both legs 50%
Total paralysis of arm and leg on one side of the body 50%
Loss of one hand, foot or sight in one eye 50%
Loss of speech or hearing in both ears 50%
Loss of thumb and index finger on the same hand 25%
Total paralysis of one arm or leg 25%

For example, if you purchase $200,000 in coverage for yourself and you are in an accident that results in your death, the benefit would pay $200,000. If the accident results in total paralysis of both your legs, the benefit would pay $100,000. If the accident results in loss of your thumb and index finger on the same hand, the benefit would pay $50,000. If you or a dependent sustain more than one covered loss due to an accidental injury, the amount we will pay will not exceed the full amount.

Accident and Bodily Injuries Not Covered

Benefits will not be paid for a loss caused by or resulting from:

  • Sickness, physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity;

  • Suicide or attempted suicide; intentionally self-inflicted injury;

  • Service in the armed forces of any country or international authority, except the United States National Guard;

  • Committing or attempting to commit a felony, or actively participating in a violent disorder or riot;

  • The voluntary intake or use by any means of:

    1. Any drug, medication or sedative, unless it is: taken or used as prescribed by a Physician, or an “over the counter” drug, medication or sedative, taken as directed; alcohol; or poison.

  • War, whether declared or undeclared; or any act of war, insurrection, rebellion, or riot.

Benefits Eligibility

  • All Full-Time and eligible Part-Time employees are eligible to enroll in The Standard AD&D Insurance offered by the School Board.
  • Retirees may only continue to enroll in the AD&D insurance if you were previously enrolled at the time of your retirement.
  • COBRA Participants are ineligible to enroll in AD&D insurance.

Additional Resources

Other Benefits Offered through this Policy

Seatbelt

When it applies Upon death from injuries sustained in an accident while driving or riding as a passenger in an automobile*, provided the person was wearing a properly fastened seat belt that meets published, US Government safety standards, is properly installed by the manufacturer and has not been altered after installation, at the time of the accident. * Automobile is a motor vehicle licensed for use on public highways

Amount

An additional 10 percent of the benefit amount up to $25,000; minimum amount is $1,000. The correct position of the seat belt must be certified by the investigating officer or included in the official accident report and a copy of the police report must be submitted with a claim for this benefit.

Education

When it applies The Child Education Benefit provides an additional benefit equal to the tuition charges for each eligible dependent child to attend college or another accredited institution for up to 4 consecutive years as long as the child is: enrolled in an accredited college, university or vocational school above the 12th grade level at the time of the employee’s accidental death; or is at the 12th grade level and, within one year after the employee’s accidental death, enrolls as a full-time student in an accredited college, university or vocational school.

Amount

The benefit amount will not exceed $5,000 per year and an overall maximum of the lesser of $10,000 or 25% of the employee’s AD&D Full Amount.

Spouse Training

When it applies If your spouse is enrolled in an accredited school on the date of your death or enrolls in such a school within 36 months of the date of your death.

Amount

The additional amount we will pay is equal to the tuition charges for 3 academic years up to $5,000 per year. The overall maximum additional benefit is the lesser of $10,000 or 25% of the AD&D Full Amount.

Hospital Confinement

When it applies This benefit becomes payable if a covered person is confined in a hospital as a result of an accidental injury.

Amount

Pays an additional monthly benefit equal to $2,000, up to a total of 5% of the AD&D Full Amount. Benefits will be determined on a pro-rate basis for partial month of confinement. If more than one confinement for any one accident, we will pay for just one hospital confinement. We will pay for the first confinement while under doctor’s care.

Child Care Benefits

When it applies The Child Care Benefit provides an additional amount equal to the Child Care Center* for each eligible dependent child, 12 years of age or younger, to attend a licensed Child Care Center within 3 years of the employee’s accidental death.

Amount

Additional amount equal to the Child Care Center* charge up to a maximum of $5,000 per year and an overall maximum of the lesser of $10,000 or 25% of the AD&D Full Amount. * Child Care Center means a facility that is operated and licensed according to the law of the jurisdiction where it is located and provides care and supervision for children in a group setting on a regularly scheduled and daily basis. This benefit is paid quarterly when The Standard receives proof that Child Care Center charges have been paid. Payment is made to your surviving Spouse.

Value-Added Features

Air Bag Benefit

If an Air Bag is deployed for the covered person during the accident and the covered person dies as a result of the accident while driving or riding in an automobile* and wearing a properly fastened seat belt, we will pay an additional benefit of 5% of the AD&D Full Amount to a maximum of $10,000.

* Automobile is a motor vehicle licensed for use on public highways.

Brain Damage Benefit

Brain Damage is a covered loss that pays a benefit equal to 100% of the AD&D Full Amount as long as the brain damage* manifests itself within 30 days of the accidental injury, and brain damage persists for 12 consecutive months after the injury.

* Brain Damage means permanent and irreversible physical damage to the brain causing the complete inability to perform all the substantial and material functions and activities normal to everyday life.

Coma Benefit

Coma is a covered loss that provides a benefit amount of 1% monthly of the AD&D Full Amount up to a maximum of 60 months if a covered person goes into a coma* as a result of an accidental injury and independent of other causes. Such state must continue for 21 consecutive days.

* Coma means a state of deep and total unconsciousness from which the comatose person cannot be aroused.

Common Carrier Benefit

The Common Carrier Benefit pays an additional benefit in an amount equal to 100% of the AD&D Full Amount if a covered person dies as a result of an accidental injury while traveling in a Common Carrier*.

* Common Carrier means a government regulated entity that is in the business of transporting fare-paying passenger. This does not include chartered or other privately arranged transportation, taxis, or limousines.

Common Disaster Benefit for VADD

If the employee and the employee’s spouse are injured in the same accident and die as a result of injuries sustained in the accident, the spouse’s benefit amount will be increased to 100% of the VAD&D Full Amount payable for the employee’s loss of life.

Exposure:

The Standard will deem a loss to be the direct result of an accidental injury if it results from unavoidable exposure to the elements and such exposure was a direct result of an accident.

Full Amount:

Regarding Accidental Death & Dismemberment, the scheduled dollar benefit amount for an accidental death and certain accidental injuries.

Hospitalized:

Includes inpatient hospital care, care in a hospice, intermediate or long-term care facility, or receipt of chemotherapy, radiation therapy, or dialysis treatment wherever performed.

Presumption of Death

A person will be presumed to have died as a result of an accidental injury if the aircraft or other vehicle in which the person is traveling disappears, sinks or is wrecked and the person’s body is not found within 1 year of the date the aircraft or vehicle was scheduled to have arrived at its destination, or, if not a Common Carrier, the date the person was reported missing to authorities.

Limitations and Exclusions

Benefits will not be paid for a loss caused by or resulting from:

  • Sickness, physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity
  • Infection, other than infection occurring in an external accidental wound;
  • Suicide or attempted suicide; intentionally self-inflicted injury;
  • Service in the armed forces of any country or international authority, except the United States National Guard;
  • Any incident related to:
    1. travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger;
    2. travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in flight;
    3. parachuting or otherwise exiting from an aircraft while such aircraft is in flight except for self preservation;
    4. travel in an aircraft or device used for testing or experimental purposes; by or for any military authority; or for travel or designed for travel beyond the earth’s atmosphere;
  • Committing or attempting to commit a felony;
  • The voluntary intake or use by any means of:
    1. any drug, medication or sedative, unless it is: taken or used as prescribed by a Physician, or an “over the counter” drug, medication or sedative, taken as directed;
    2. alcohol in combination with any drug, medication, or sedative; or
    3. poison, gas, or fumes; or war, whether declared or undeclared; or any act of war, insurrection, rebellion, or riot; or driving a vehicle or other device while intoxicated as defined by the laws of the jurisdiction in which the vehicle or other device was being operated.

Disability Onsite Representative

305-995-4551
MiamiDadeSchools@standard.com

Website

Standard.com

Service Hours (EST):

M-F: 8:00am – 8:00pm