What is Accidental Death & Dismemberment Insurance?

Accidental Death & Dismemberment Insurance (AD&D) is embedded as one of the benefits of your Avibra membership.

AD&D is a type of insurance that gives a benefit payment to you or your beneficiaries if you die in a fatal accident or become disabled. Typically, accidental death covers exceptional circumstances, such as exposure to the elements, traffic accidents, homicide, falls, drowning, and accidents involving heavy equipment. Your AD&D policy also pays a percentage for the loss of a limb, partial or permanent paralysis, or the loss of use of specific body parts, such as the loss of sight, hearing, or speech.

AD&D Insurance pays out in a single lump sum to yourself or whoever you list as your beneficiary. The amount of the payout depends on the severity of the injury. There are no restrictions on what your beneficiaries can use your AD&D insurance money for.

Your AD&D Insurance is increased weekly based on your good habits. You have plenty of opportunities to increase your coverage simply by improving your financial, physical, career, social and community well-being through engaging with various in-app activities.

What Kind of Benefits Does AD&D Insurance Provide?

AD&D Insurance helps you protect the people who rely on you financially. There aren’t any restrictions on what they can use your AD&D insurance money for, so you’re free to plan your life the way you want and need. What are a few of the common uses of AD&D Insurance?

  • Income replacement while you’re recovering from a serious injury
  • Paying for healthcare costs that aren’t covered by insurance
  • Income replacement in the case of accidental death
  • Supplementing income after a life-altering accident

When Would Your AD&D Insurance Payout Happen?

Your AD&D Insurance payout triggers either upon your accidental death or a serious injury. You’ll want to read through your member certificate to double-check which types of accidents are covered and at what rates. It’s important to make sure your beneficiary knows about your policy.