Accidental Death and Dismemberment (AD&D) coverage through MetLife offers a financial safety net when accidents have life-altering consequences — paying a benefit to your beneficiaries if you die accidentally, or to you if you experience a qualifying injury such as paralysis or loss of a limb.
Basic AD&D Insurance
All benefits-eligible employees receive Syracuse University-sponsored basic AD&D insurance coverage in the amount of $3,000. There is no cost to you for this coverage.
Supplemental AD&D
You can purchase supplemental AD&D coverage in increments of one to ten times your annual salary, up to a maximum of $2,000,000. Keep in mind that your supplemental AD&D coverage cannot exceed your combined basic and supplemental life coverage.
And when you do elect supplemental coverage, you automatically receive a suite of enhanced benefits at no extra cost, including but not limited to a child care benefit, a spouse and child education benefit as well as a hospital confinement benefit.
Review the Certificate of Coverage available from HR Shared Services for full details on these benefits.
Travel Assistance Services
If you are faced with an emergency while traveling more than 100 miles from home, this travel assistance service provides you and your dependents with medical, travel, legal and financial assistance services [PDF]. These services are included at no additional cost when you enroll in Supplemental AD&D coverage.
Schedule of Covered Losses for AD&D Insurance
Covered losses are payable as a percentage of the amount of coverage in place.
| Covered Loss | Benefit Percentage |
|---|---|
| Loss of life | 100% |
| Loss of hand above the wrist or foot below the knee | 50% |
| Loss of arm above the elbow or leg above the knee | 75% |
| Loss of sight in one eye | 50% |
| Loss of thumb and index finger of same hand | 25% |
| Loss of speech or hearing | 50% |
| Paralysis of both arms and both legs | 100% |
| Paralysis of both legs, or the arm and leg on either side of the body | 50% |
| Paralysis of one arm or leg | 25% |
| Brain damage causing complete inability to perform normal life activities | 100% |
Review the Certificate of Coverage for complete details on the covered losses and benefit payments.
Contributions
Supplemental AD&D coverage costs $.017 per $1,000 of coverage. Premiums are paid through pre-tax payroll deduction and are automatically calculated and adjusted as necessary during the calendar year to reflect changes in your actual salary.
Filing a Claim
Contact HR Shared Services at 315.443.4042 if you need to claim a dismemberment or paralysis benefit. In the event of your death, the benefit will be automatically reviewed and included in payment to your beneficiary(ies) if your death was the result of an accident.
If you have any questions or need an accommodation to access information on this webpage, please contact HR Shared Services at 315.443.4042.
Helpful Links
Every effort has been made to ensure that the information contained within this website is accurate. However, benefits are governed by legal documents (which, in certain circumstances, may include insurance contracts). If there is any difference between the information in this website and the official documents, the official documents will control. As is the case with all of Syracuse University’s employee benefit plans, the University reserves the right to modify or terminate these benefits at any time.