Accidental Death & Dismemberment Insurance

You and your family can count on financial security in the event of accidental death or a serious injury. Effective August 1, 2009, Minnesota Life is our carrier for Accidental Death & Dismemberment (AD&D) Insurance. AD&D is a type of insurance covering death, or specific types of injury as a result of an accident. In the event of accidental death this insurance will pay benefits in addition to any life insurance held. Death by illness, suicide, or natural causes is generally not covered by AD&D. Also, AD&D generally pays benefits for the loss of limbs, sight, and permanent paralysis. Coverage is available for County employees and their eligible dependents.

You decide what level of coverage is right for your needs and those of your dependents. If you have any questions, please call the Employee Benefits and Services Division at 909.387.5787, your Payroll Specialist, or Minnesota Life at 1.866.293.6047.

Minnesota Life Customer Service: 1.866.293.6047

Forms and Resources

How the Plan Works

This plan, which is insured with Minnesota Life, provides benefits in the event of accidental death off and on the job. Death by illness, suicide, or natural causes is generally not covered. For more information on the plan, please refer to the Certificate of Insurance.


Eligibility for Accident Insurance (also known as Accidental Death & Dismemberment or AD&D Insurance) is governed by your Memorandum of Understanding (MOU), Exempt Compensation Plan, salary ordinance, or contract.

If you are eligible for coverage, you may also choose to cover your family, that is:

  • Spouse (coverage ends at age 70)
  • Registered domestic partner (coverage ends at age 70)
  • Unmarried children (including legally adopted children) who are under age 26


You must fill out an Enrollment Form within 60 days of date of hire, or during the annual Open Enrollment and submit it to your Payroll Specialist. Once family coverage is in force, all newly eligible dependents (such as a newborn) are enrolled automatically.

Coverage Options

You have two coverage options and seven plans to choose from. For the Employee + Family Coverage Plan, coverage will be the amounts listed in the Employee column plus the amounts in the Spouse or Domestic Partner and/or Child columns.

  Employee-Only Coverage Employee + Family Coverage
Plan Employee Employee Spouse
Domestic Partner
Each Child
1 $10,000 $10,000 $5,000 $3,125
2 $25,000 $25,000 $12,500 $6,250
3 $50,000 $50,000 $25,000 $12,500
4 $100,000 $100,000 $50,000 $25,000
5 $150,000 $150,000 $75,000 $25,000
6 $200,000 $200,000 $100,000 $25,000
7 $250,000 $250,000 $125,000 $25,000

The plan also provides a percentage of your accidental death insurance for specific types of accidental injury, regardless of whether they are work-related or not. For example:

  • If you accidentally lose a foot, hand, or sight in either eye, the plan will pay 50% of your coverage
  • If you accidentally lose both, hands, or sight in both eyes, or a combination of these, or if you lose your speech and hearing, the plan will pay 100% of your coverage

Benefits per covered person are limited to 100% for all losses combined from one accident.

Cost of Coverage

Your cost per pay period is as follows:

Plan Employee-Only Coverage Employee + Family Coverage
1 $0.09 $0.14
2 $0.23 $0.35
3 $0.46 $0.69
4 $0.92 $1.38
5 $1.38 $2.07
6 $1.84 $2.76
7 $2.30 $3.45

These costs are subject to change.

Note: If you are on a leave of absence, you must pay the premium by sending in a check or money order if you cannot have the premium deducted from your paycheck.


Insurance benefits will be automatically paid to your beneficiary in the following order:

  1. Surviving spouse/domestic partner
  2. Surviving children
  3. Your parents
  4. Your siblings
  5. Your estate
If more than one beneficiary becomes entitled to your benefits, they will share the benefits equally.

To change the automatic beneficiary arrangement, you must complete the Beneficiary Designation Form. If you elect to designate a beneficiary other than your spouse/domestic partner, you must have his or her written consent. You are the automatic beneficiary of any family coverage.

When Coverage Ends

Your coverage will terminate if:

  • You cancel your coverage
  • You cease to be an eligible employee
  • You fail to pay your required premiums when due
  • The master contract is terminated
  • You are on an approved leave of absence for more than 12 months

Once your group insurance coverage has terminated, you may be eligible to continue your group AD&D coverage under the portability benefit. Premiums will be higher. For further information regarding AD&D Insurance, please refer to the Certificate of Insurance.

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