AD&D insurance is a voluntary, employee-paid benefit that provides various amounts of coverage for accidental death or dismemberment that occurs at any time (not just during work). AD&D insurance is available to all benefit-eligible employees and their spouse/other eligible individual (OEI) or dependent children. You can only enroll, make changes or cancel coverage in AD&D insurance during the Open Enrollment period in October.

AD&D coverage is available at 1 to 10 times your annual salary. Benefit levels vary by type of insurance selected (employee-only or family) and the extent of the injury. Benefit amounts for your spouse/OEI and/or child(ren) are based on a percentage of your benefit amount. To calculate your monthly rate, review the Support Staff Open Enrollment Guide or Faculty/Academic Staff Open Enrollment Guide.

Please review the Prudential brochure for AD&D insurance to find details about the plan. We’ve highlighted a few plan enhancements for the 2022 plan year below that may help you determine if this optional benefit is right for you and your family:

• The maximum benefit has increased for employee coverage to $1,500,000 (from $1,000,000) and spouse/OEI coverage to $750,000 (from $600,000).
• The child only benefit amount has increased from 20% to 25% of the eligible employee benefit.
• The spouse & child benefit amount increased to 50% spouse/20% child (from 50% spouse/15% child).

Additionally, other updates for the 2022 plan period include benefit amounts for triplegia, motorcycle safety equipment, home alteration/vehicle modification, critical burns, mortgage payment, funeral expenses, monthly rehabilitation, and surgical replantation. Find details about these new benefits for the 2022 plan year here.

Questions? MSU’s plan administrator for AD&D insurance is Prudential. If you have questions, we encourage you to speak to a Prudential representative during the MSU Virtual Benefits Fair this October or contact Prudential at 877-232-3555. Additionally, find further details about AD&D insurance in the Prudential brochure available on the HR website.