Many 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 not cover, as should your beneficiaries. If you have any specific questions regarding an accidental death and dismemberment claim or claim denial, speak directly with a Philadelphia AD&D lawyer today.
Different policies have different specifications, but the following is a general idea of what an AD&D policy will cover. If you would like to discuss your policy, do not hesitate to contact The Garner Firm, Ltd.
As the name of the coverage implies, accidental death and dismemberment policies cover accidental death under certain circumstances. Some causes of death that might lead to benefits include:
You should always be familiar with your policy and the types of accidental death that are covered, so your beneficiaries will be aware of their rights if something suddenly happens to you.
You do not have to pass away tragically for your AD&D insurance to pay benefits to you or your family. You can also be eligible for a percentage of benefits if you:
Again, each policy will be different in the injuries it covers and the percentage of benefits it pays for each type of injury.
In addition to listing what is covered by your accidental death and dismemberment insurance, your policy should detail what causes of death and types of serious injuries will not be covered. While you should examine your own policy, some common exclusions include:
Sometimes, a policy will claim that the cause of injury or death was excluded when, in reality, it should be covered. Families of deceased policyholders and dismembered policyholders should never accept a wrongful denial of an AD&D claim.
Employer-sponsored accidental death and dismemberment claims are usually governed by ERISA, a complex federal law that often favors the insurer, not the policyholder or beneficiaries. If you need assistance with a claim, do not wait to contact an AD&D attorney from The Garner Firm, Ltd. We are ready to help, so please contact us today.
Adam helped me with my LTD case. His knowledge and thoroughness was outstanding. He communicated every aspect of the process and case in an extremely detailed and timely manner. He also took the time to answer any questions I had as a person going through it for the first time. I could not recommend him more for anyone in a similar situation.
Adam and his team are great. They did an excellent job helping my family when we were really losing hope. Adam is very professional and has excellent knowledge to protect your rights. If you choose Adam you will talk directly with him. It was a truly pleasant experience. I’m extremely thankful that I chose the Garner firm. I highly recommend them.
Adam Garner provided excellent courteous and considerate service in helping me resolve a long term disability claim. He was accessible, knowledgeable and exercised the good judgement necessary for us to be successful. I heartily recommend his expertise and services
This review is long over-due!
If you’re looking for professional and sound legal advice, The Garner Firm is where you want to start!
Throughout my relationship with The Garner Firm, there was never a time that I felt uninformed where my case stood. Attorney Adam Garner focuses on making sure his clients are well informed throughout their legal battle. I can reassure any prospective clients that Adam will maximize all his resources and fight to the MAX in order you’re reasonably compensated.
I invite you to take the opportunity to contact The Garner Firm – YOU WILL NOT REGRET IT!
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