Who's Eligible: Employees eligible for full, mid-level or core benefits and retirees

Who’s covered: You and your family members

Who pays the premium: You

UC offers the Accidental Death and Dismemberment (AD&D) plan to help protect you and your family from the unforeseen financial hardship of a serious accident that causes death or dismemberment.

What the Plan Covers

The plan provides $10,000 to $500,000 coverage for accidental death, dismemberment or loss of sight, speech or hearing caused by an accident. It offers three levels of coverage:

  • Individual coverage for you only
  • Family coverage for you, your spouse or eligible domestic partner and your child(ren).This plan covers your spouse or domestic partner for 60% of your coverage amount. If eligible children are covered, then your spouse or domestic partner is covered for 50% of your amount and each child for 20%.
  • Modified family coverage for you and your child(ren). Each eligible child is covered for 20% of your amount.

If you are on leave for health reasons on the day you become eligible for coverage, your coverage starts the day after your first full day at work.

The plan provides benefits if the accident results in:

  • Death or dismemberment or loss of sight, speech, or hearing caused by an accident
  • Paraplegia, quadriplegia, or hemiplegia
  • Coma lasting more than 30 days
  • Permanent and total disability caused by an accident

In addition to receipt of the principal sum, your family members may also receive the following if you die:

  • Special educational benefits for your spouse or eligible domestic partner and/or children
  • Your child's higher education costs provided the child is enrolled in an institution of higher education on the day of the accident, or, if the child is a high school student, the child must enroll in an institution of higher education within one year of high school graduation.
  • Day care expenses for covered children under age 13 for up to four years

Plan Benefits

The plan provides benefits if the accident results in:

  • Death or dismemberment or loss of sight, speech, or hearing caused by an accident
  • Paraplegia, quadriplegia, or hemiplegia
  • Coma lasting more than 30 days
  • Permanent and total disability caused by an accident

In addition to receipt of the principal sum, your family members may also receive the following if you die:

  • Special educational benefits for your spouse or eligible domestic partner and/or children
  • Your child's higher education costs provided the child is enrolled in an institution of higher education on the day of the accident, or, if the child is a high school student, the child must enroll in an institution of higher education within one year of high school graduation.
Day care expenses for covered children under age 13 for up to four years if you die in an accident.

Enrollment

You may enroll in AD&D insurance at any time.

  • Employees: During your period of initial eligibility (PIE), you can enroll online. At all other times, use form UPAY 850.
  • Retirees: Use the enrollment form available from AIG Benefits Solutions.

Plan Costs

See the chart for employee and retiree costs.

To File a Claim

If you need assistance completing the claim form, call AIG Benefit Solutions at 1-800-551-0824

Naming Your Beneficiaries

You should designate a beneficiary immediately upon enrolling in AD&D insurance. You may name the same or different beneficiary for your UC Retirement Plan.

You may name more than one beneficiary and specify the percentage that each beneficiary is to receive online or by submitting form UBEN 116. A beneficiary may be a person, trustee or organization.

You can change your beneficiaries at any time. If no beneficiary is named or if your beneficiary is no longer living, any benefits will be paid to your survivors in the following order:

  • Surviving legal spouse or surviving domestic partner; or, if none,
  • Surviving children, on an equal-share basis; or, if none,
  • Surviving parents on an equal-share basis; or, if none,
  • Surviving siblings; or, if none,
  • The member's estate.

If a family member is covered by AD&D, you are automatically named the beneficiary. You can change this online or by submitting form UBEN 119 (Designation of Alternate Beneficiary).