Voluntary Accidental Death & Dismemberment Insurance

Voluntary Accidental Death & Dismemberment Insurance  

Overview

Because accidents can strike without warning and result in loss of life or an income, Voluntary Accidental Death & Dismemberment (VAD&D) Insurance can help provide peace of mind should the unexpected happen. Whether you are on- or off-the-job, traveling within the United States or its territories, or your children participate in sports programs, you, your spouse/domestic partner, and children can have coverage in the event of an unexpected accidental injury.

VAD&D Insurance provides useful coverage at a cost that’s affordable to you. If you die as the result of a covered injury, the benefits can help pay the mortgage or help pay for your children’s college. If you are injured in a covered accident, this insurance can help.

You may enroll in one of the following VAD&D options:

Employee

  • Elect coverage between 1 and 5 times your annual base pay up to $1,500,000. Coverage is rounded up to the next higher $10,000 increment if not already an even number.


Employee plus dependent(s)

  • If you purchase VAD&D for yourself, you may also purchase dependent coverage under the Family Protection Plus plan.
Enrollment

Find coverage that's right for you and your loved ones!

Tell Me More

You may elect VAD&D coverage at any time and you are never required to provide evidence of good health for you or any eligible dependents.

Benefits:
 

MetLife Travel Assistance Services

Employees will have access to travel assistance services that provide immediate access to doctors, hospitals, pharmacies, and certain other services when faced with an emergency while traveling internationally or domestically more than 100 miles from home. Included in rates, insured through Travel Assistance.

Hospitalization

Provides a benefit equal to 1% of your coverage amount to a maximum of $2,500 per month, for confinements exceeding 5 days with a maximum duration of 12 months to help defray hospitalization costs resulting from an accident.

Common Disaster

Provides benefits if employee or spouse/domestic partner dies within one year of sustaining bodily injuries in the same accident. The spouse/domestic partner’s amount will be increased to equal that of the employee's Schedule of Benefits.

Seat Belt and Airbag

If an insured person was wearing a properly fastened seat belt, the plan will pay an additional 10% of the coverage amount, subject to a minimum of $1,000 and a maximum of $25,000. Airbag benefits provide an additional benefit equal to 5% of the coverage amount shown in the Schedule of Benefits, however, the amount can't exceed $10,000. 

Coma 

A benefit of 1% of the coverage amount payable monthly, beginning on the seventh day of the coma and for the duration of the coma to a maximum of 60 months. The coma must begin within 30 days of the accidental injury and continue for seven consecutive days and must be directly and solely caused by accidental injury.

Day Care

In the event there is a death, children 12 years or younger get up to 3% of the employee's principal amount, not to exceed $5,000 per year, for up to four consecutive years. 

Spouse/Domestic Partner and Dependent Child Education

Benefits equal to the lesser of the tuition charges or $10,000 per academic year for up to four consecutive academic years. The overall maximum is equal to 20% of the coverage amount. The eligible child must be enrolled as a full-time student in an accredited college, university or vocational school above 12th grade level at the date of the death of the employee. 

Brain Damage

Provides additional benefits equal to 100% of the employee coverage amount. Damage must manifest itself within 30 days of the accidental injury, require a hospitalization of at least five days and persists for 12 consecutive months after the date of the accidental injury. 

Workplace Felonious Assault

Provides an additional benefit equal to 20% of the coverage amount, up to a maximum of $20,000 if the employee suffers a covered loss resulting from an accidental injury to the employee by a Felonious Assault. Felonious Assault must be committed at the employee's place of business or while the employee is engaged in the employer's business (not counting working at home or regular commuting).

Exposure and Disappearance

Provides amount equal to your coverage amount for the loss of a covered person's life if the loss of life results from unavoidable exposure to the elements; and after one year, the employee’s or dependent’s body has not been found after the conveyance in which the employee or dependent was traveling:

  • Disappeared
  • Made a forced landing
  • Sank
  • Was wrecked


Portability

VAD&D coverage is portable. The portable monthly rate for employee only coverage is $0.035 per $1,000. The portable rate for dependent coverage is $0.050 per $1,000. 

Exclusions

VAD&D insurance benefits are not payable if your death or injury results from excluded acts. 

Voluntary Accidental Death & Dismemberment Insurance Benefits 

Details
 

Employee Only

Employee plus Spouse/Domestic Partner Only Coverage

Employee plus
Child(ren) Only Coverage

Employee, Spouse/Domestic Partner, and Children Coverage

Coverage amounts/levels
Minimum 1 times annual base pay 60% of employee's coverage amount 20% of employee's coverage amount Spouse/domestic partner 50% of employee's coverage amount; Child 15% of employee's coverage amount
Maximum 5 times annual base pay ($1,500,000 maximum) $900,000 maximum $50,000 maximum  Spouse/domestic partner $750,000 maximum, child $50,000 maximum 
Covered Losses/Amount Payables*        
Life 100% 100% 100% 100%
Quadriplegia 100% 100% 100% 100%
Paraplegia 50% 50% 50% 50%
Hemiplegia 50% 50% 50% 50%
One hand or one foot 50% 50% 50% 50%
Sight in one eye 50% 50% 50% 50%
Hearing in both ears 50% 50% 50% 50%
Speech 50% 50% 50% 50%
Thumb and index finger of same hand 25% 25% 25% 25%





 

*Plan pays 100% if insured experiences two or more of the following:

  • Hand
  • Foot
  • Sight in one eye
  • Hearing (both ears)
  • Speech
Contact Us

 Address
Mercer Voluntary Benefits
P.O. Box 9122
Des Moines, IA 50306-9122
 Phone
1-800-652-9512
 Hours
M-F 8a-5p CT
 Email
employerbenefitsinquiries.service@mercer.com




VAD&D Information & Forms

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Enrollment Form
Beneficiary Change Form
Customer Service Request Form

 

Travel Assistance
Flyer

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who can enroll?

    Employee Eligibility

    • Must be a regular active employee of Reynolds American Inc.
    • Must be a U.S. citizen or U.S. permanent resident on U.S. payroll
    • Must be actively at work at Reynolds American Inc. and able to perform normal activities on both the date the enrollment form is signed and the effective date of coverage


    Spouse/Domestic Partner Eligibility

    • May enroll only if you also elect employee coverage
    • May enroll as a Spouse/Domestic Partner or employee if also an employee of Reynolds American Inc., but cannot enroll as both
    • May only have coverage if you are actively at work at Reynolds American Inc., and your Spouse/Domestic Partner is able to perform normal activities on both the date the enrollment form is signed and the effective date of coverage


    Child(ren) Eligibility

    • Must be your or your Spouse's/Domestic Partner's eligible dependent children
    • May only have coverage if you also elect employee coverage
    • If both parents are employees of Reynolds American Inc., only one parent may elect children’s coverage
    • Coverage available for children 14 days old to 26 years old.
    • May only have coverage if you are actively at work at Reynolds American Inc., and able to perform normal activities on both the date the enrollment form is signed and the effective date of coverage
  • How much will coverage cost?

    Monthly cost of insurance per $10,000 coverage unit

    Employee Only $0.15
    Employee Plus Dependent(s) $0.22
  • How much Voluntary Accidental Death & Dismemberment insurance can I get?

    This program gives you two coverage options:

    Option 1 - Employee Only:

    • Employee Coverage: You can purchase 1 to 5 times your base pay ($1,500,000 maximum) rounded to the next higher $10,000 after base pay multiple is selected.


    Option 2 - Employee Plus Dependent(s):

    • Spouse/Domestic Partner Only Coverage: You can enroll your Spouse/Domestic Partner for 60% of your coverage amount not to exceed $900,000.
    • Children Only Coverage: You can enroll your children for 20% of your coverage amount not to exceed $50,000.
    • Spouse/Domestic Partner and Children Coverage: You can enroll your Spouse/Domestic Partner for 50% of your coverage amount not to exceed $750,000. You can enroll your children for 15% of your coverage amount not to exceed $50,000.
  • How would I pay for my coverage?

    By far, the most convenient and cost-effective method of payment through this program is payroll deduction. We can work with you on alternative methods of payment if you choose not to participate in payroll deduction.