NEA^® Accidental Death & Dismemberment Insurance Plan

An accidental death occurs every three minutes in the U.S., making accidents the third leading cause of death.* Other types of life insurance may not cover accidental death or dismemberment as a result of an accident. Accidental Death and Dismemberment (AD&D), Accidental Death and Dismemberment Plus (AD&D Plus), and Accidental Death and Dismemberment Advantage (AD&D Advantage) offer easy, affordable ways to give your entire family guaranteed coverage, 24 hours a day, 365 days a year.

There is no medical exam and your acceptance is guaranteed. The benefits provided are payable in addition to any insurance that may be in effect at the time of the accident.

*Source: National Safety Council, Injury Facts, 2022 Edition.

The Prudential Insurance Company of America (Prudential) is the carrier. Our over 50-year relationship with the company is based on a rigorous process of evaluating the market to find the best products and services for NEA members. You can count on Prudential’s over 145 years of experience to offer the quality and service you deserve.**

** Source: www.prudential.com/about

AD&D rates are economical, starting at $19 a year for $30,000 of coverage. The premiums rise to $24 a year at age 60 and increase to $48 a year at age 80 and over. AD&D Plus starts at $23 for $30,000 of coverage, rising to $28 a year at age 60, and to $52 a year at age 80 and over. AD&D Advantage offers higher coverage amounts at competitive rates. AD&D Advantage coverage amounts are available at $250,000, $500,000, $750,000 and $1,000.000. Lifetime coverage is available as long as you stay an NEA member. Please see our rate chart for more information.

Yes, as long as the member of the NEA has coverage under the AD&D, AD&D Plus or AD&D Advantage Plan coverage is available for the spouse and/or children. The coverage amount you select for the family will determine the coverage levels for each person in your family. Dependents can be covered from 14 days old up to age 21, or up to age 25 if they are dependent upon the NEA member for support and maintenance.

AD&D and AD&D Plus insurance benefits are as follows:

• From $30,000 to $120,000, if the covered individual dies in an accident or loses a limb or suffers a coma, paralysis, loss of sight or other covered losses in an accident.
• From $130,000 to $520,000, if the accidental death occurs on a plane, train, ship or other public conveyance. On every anniversary of your effective date of coverage, the member public conveyance benefit will increase by $10,000 a year up to a maximum of $50,000 at no additional cost to you.
• If a loss of life occurs in a car accident and the covered individual is wearing a seat belt (in the prescribed manner), or is sitting in a car seat equipped with an air bag and wearing a seat belt, the plan pays an additional benefit of 10% of the coverage amount, up to $10,000.

AD&D Advantage insurance benefits are as follows:

• From $250,000 to $1,000,000, if the covered individual dies in an accident or loses a limb, or suffers a coma, paralysis, loss of sight or other covered losses in an accident.
• If a loss of life occurs in a car accident and the covered individual is wearing a seat belt (in the prescribed manner), or is sitting in a car seat equipped with an air bag and wearing a seat belt, the plan pays an additional benefit of 10% of the coverage amount, up to $10,000.

AD&D Plus offers rates starting at $23 a year and a variety of supplemental benefits listed below.

Supplemental Benefits Covered by AD&D Plus:

• Loss due to exposure and disappearance

Exposure to the elements is considered an accidental loss. If the insured member’s body is not found within a year of disappearing, they will be presumed dead.

• Loss due to coma

The plan pays one percent of the coverage amount for each month the insured remains in a coma that results from an accident. The coma must be permanent and continuous, beginning within 90 days of the accident and lasting for six months. The benefit is payable from 11 to 100 months while the person remains in a coma.

• Return of remains

If accidental death occurs in a foreign country or outside a 150-mile radius of the insured’s home, the plan pays for the preparation and transportation of the body for cremation or burial. The amount is the lesser of the actual covered expenses, from $2,000 to $5,000.

• Felonious assault

If a member suffers a loss due to aggravated assault, an additional benefit of ten percent of the benefit amount will be paid.

• Day Care Reimbursement

Day care is covered for dependent children under the age of seven, if the member or spouse dies in an accident covered by the policy. The annual benefit is the least of the actual daycare cost, from one percent to five percent of the insured’s coverage amount, paying from $2,000 to $5,000 a year for up to four consecutive years or until the child reaches age seven. If no child qualifies for this benefit, $1,000 will be paid.

• Tuition Reimbursement

Dependent Children: The plan pays an annual benefit of up to four years of tuition for dependent children up to age 25 who are full-time students in any institutions of higher learning or high schools. The annual benefit is the least of the actual tuition (excluding room and board), one percent to five percent of the member’s coverage amount and $2,500 to $5,000 a year. Dependents must be enrolled in an institution of higher learning within 365 days of the insured’s death. If no child qualifies for this benefit, $1,000 will be paid.

• Educational Reimbursement for spouse/domestic partners

The plan provides tuition reimbursement for a professional or trade program to prepare a spouse/domestic partner for work that will meet the financial needs of a family. The benefit is the least of the actual tuition, one percent to five percent of the member’s coverage amount and $2,500 to $5,000 a year. Enrollment in an educational program must occur within 30 months of the member’s death.

• Common Accident Benefit

If the member and spouse/domestic partner both die in the same accident, the plan pays a benefit for the spouse’s/domestic partner’s death. The amount paid is the difference between the member’s coverage amount and the spouse’s coverage amount.

• Critical Periods Payments Benefit

The plan provides a benefit for the surviving spouse equal to one half percent of the member’s coverage amount for each of the 12 months immediately following the member’s death.

• Child Loss

This is a benefit that pays an additional amount if a covered child suffers a loss in an accident, but does not die. The amount payable for the loss is doubled, up to $50,000 maximum.

AD&D Advantage includes all of the benefits of AD&D Plus and a variety of supplemental benefits listed below. Please see our rate chart.

Supplemental Benefits Covered by AD&D Advantage:

Bereavement and Trauma Counseling

This additional benefit applies if the person requires bereavement and trauma counseling because you, your Qualified Dependent spouse or Domestic Partner or your Qualified Dependent child suffer a Loss. It is payable for Bereavement and Trauma Counseling Sessions that are held within one year after the date of the accident causing the Loss.

• Monthly Mortgage Payment

The Monthly Mortgage benefit pays the lesser of your mortgage payment or $2,500, for up to 12 months to your surviving spouse or domestic partner who owned the property and shared the mortgage responsibility with you if you suffer a loss of life. The benefit continues to the earliest of these events: 1) the mortgage is paid off, 2) the house is sold, 3) your spouse or domestic partner dies; or 4) the 12th benefit payment.

• Monthly Rehabilitation Expenses

This benefit applies if a person suffers a loss and a doctor determines that rehabilitation is necessary to aid the person in returning to the normal activities of a person of the same age and gender.

• Critical Burns

The plan provides a benefit if a member suffers critical burns that result in Permanent Disfigurement while a Covered Person under the Coverage and the burns occurred while working for your employer.

No medical exam is required, and there are no medical questions to answer, so your acceptance into the plan is guaranteed.