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01 Dec 2020Many employers offer a type of insurance called accidental death and dismemberment (AD&D) coverage. This is a type of policy that supplements a life insurance policy, often increasing - or even doubling - the benefits you or your family receives under certain circumstances. If you choose to carry AD&D coverage, you should understand what it does and does
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24 Mar 2020Many people have accidental death and dismemberment coverage through their employer under the Employee Retirement Income Security Act of 1974 (ERISA). This coverage can be critical if you learn that your spouse passed away due to an accidental injury, as it can provide benefits to offset the losses you can experience due to sudden death. However, benefits are
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01 Oct 2019You can purchase an accidental death and dismemberment policy, known as an AD&D policy, as an addendum to a life insurance policy. These are also commonly included as a supplemental or secondary benefit with employer-sponsored life insurance benefit plans. In most situations, the benefit plan is regulated by ERISA, the Employee Retirement Income Security Act of 1974. ERISA
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Mr. Garner is an ERISA employee benefits and employment attorney with over a decade of experience. The laws governing employee benefits, the employment relationship, and the workplace are complex.
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