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AD&D insurance

AD&D Insurance

The group health insurance plan of your company can include Accidental Death and Dismemberment (AD&D) coverage which helps pay lump sums in the event of a serious workplace accident that is fatal, or causes permanent injury/disability, or specifically, dismemberment. PJ Insurance Agency provides AD&D insurance which, unlike workers’ compensation, rounds out the comprehensive insurance package for your employees.

What Does an AD&D Plan Cover?

Your plan may include coverage for employees and dependents and usually applies in the event of an injury, paralysis or death resulting from a covered accident.

PJ Insurance Agency AD&D plans can be customized with a range of options that include:

 Loss of life

 Loss of speech

 Hearing loss

 Loss of a limb (arm or leg)

 Loss of thumb or index finger on either hand

 Loss of movement (Quadriplegia or Paraplegia)

Tailored Coverage for Businesses

If your insured employee suffers an accidental injury or death that is covered by an AD&D policy, PJ Insurance Agency will provide the employee’s beneficiary with payment that is based on the coverage amount. With access to a wide range of carriers, PJ Insurance Agency specialty designed plans offer services that are customized according to the insurance needs of your business.

Facts from Insurance Experts

According to a recent study by the Centers for Disease Control and prevention, loss of life from unintentional injuries is the 5th leading cause of death for Americans behind heart disease, cancer, respiratory conditions and strokes. Ensure you are protected with customized coverage.

Hard Choices

No employer ever wants to think about the horrific scenario of an employee being dismembered or fatally wounded. It is hard to even imagine the difficulty of knowing that if things had been different, then the person would be fine and there would not be a family devastated by loss and grief. However, the only thing you can do for them is to make sure that they are taken care of and are not under financial duress.

Contact us

Choosing AD&D insurance should not be confused with including Life insurance in the health coverage of your group plans. Consult with a PJ Insurance Agency expert to decide which insurance options are best suited to your needs.

Insuring your automobile adequately is critical to safeguarding your finances and preserving your peace of mind in the event of a car accident. Our experienced insurance advisers help you to choose from among many options and custom build vehicle protection plans to suit your needs. PJ Insurance Agency offers essential information on understanding your level of risk and managing costs.

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