Accidental Death & Dismemberment (AD&D) Insurance

Accidental Death and Dismemberment (AD&D) insurance provides additional funds in the event of a fatal accident or an accident that results in the loss of a limb or eyesight. For benefits to be paid, the death or loss must occur within 90 days after the accident and be a direct result of bodily injury sustained from that accident, independent of all other causes.

AD&D insurance is automatically included in Basic at no additional cost. It does not include the extra benefit and is equal to your Basic Insurance Amount (BIA). AD&D insurance is also automatically included in Option A at no additional cost. It is equal to $10,000.

   AD&D Schedule of Losses  

The following is a list of covered losses under AD&D insurance and the corresponding amounts payable:

The principal amount is the full amount of AD&D insurance. For employees not enrolled in Option A, it is equal to their BIA. For employees enrolled in Option A, it is equal to the sum of their BIA plus $10,000. The principal amount is paid in addition to the regular payment for loss of life.

A member is a hand, foot, or the sight in one eye.

Note: For all losses resulting from any one accident, no more than the principal amount is payable.

The Office of Federal Employees' Group Life Insurance (OFEGLI) will not pay AD&D benefits if your death or loss in any way results from, is caused by, or is contributed to by the following:

• physical or mental illness;
• the diagnosis of or treatment of physical or mental illness;
• ptomaine or bacterial infection. (However, OFEGLI will pay AD&D benefits if the loss is caused by an accidentally sustained external wound.)
• hernia, no matter how or when sustained
• a war (declared or undeclared), any act of war, or any armed aggression against the United States, in which nuclear weapons are actually being used
• a war (declared or undeclared), any act of war, or any armed aggression or insurrection in which you are in actual combat at the time bodily injuries are sustained
• suicide or attempted suicide
• injuring yourself on purpose
• illegal or illegally obtained drugs that you administer to yourself
• driving a vehicle while intoxicated, as defined by the laws of the jurisdiction in which you were operating the vehicle.