More About Accidental Death and Dismemberment Insurance
Different employee groups have different AD&D insurance benefits and options.
Regular and Full-Time Local 587 Employees
You automatically receive county-paid basic accidental death and dismemberment insurance. If you die in a covered accident, your beneficiaries receive a lump sum equal to your base annual salary rounded to the next highest $1,000. If you're dismembered or paralyzed, you receive an amount that depends on the type of loss.
You may purchase additional/enhanced AD&D for yourself, from $50,000 to $500,000 in $50,000 increments when you first enroll and during open enrollment. If you die in a covered accident, your beneficiaries receive the amount you select in addition to your county-paid basic AD&D benefit. If you're dismembered or paralyzed, you receive a portion of the enhanced amount that depends on the type of loss, in addition to your county-paid basic AD&D.
If you elect enhanced AD&D for yourself, you may purchase it for family members: spouse/domestic partner at 50% or 100% of your enhanced amount and children at 10% of your enhanced amount. If a family member dies, is dismembered or paralyzed as a result of a covered accident, you're the beneficiary.
When you leave county employment, you may convert your county coverage to an individual policy. For more information and to apply, contact the plan (CIGNA) within 31 days of when your county coverage ends – click "Contact" under "Links to Help" at the top of the page. Click below for the:
Part-Time Local 587 Employees
If you're a part-time Local 587 employee in the Full Benefits Plan, you receive county-paid basic AD&D insurance for yourself. If you're a part-time Local 587 employee in the Partial Benefits Plan, you receive $25,000 county-paid basic AD&D insurance for yourself, provided you have elected medical coverage for yourself (you pay part of the cost of your medical coverage). If you die in a covered accident, your beneficiaries receive a lump sum equal to $25,000. If you're dismembered or paralyzed, you receive an amount that depends on the type of loss.
If you receive county-paid basic AD&D insurance, you may purchase additional/enhanced AD&D for yourself, from $50,000 to $500,000 in $50,000 increments when you first enroll and during open enrollment. If you die in a covered accident, your beneficiaries receive the amount you select in addition to your county-paid basic AD&D benefit. If you're dismembered or paralyzed, you receive a portion of the enhanced amount that depends on the type of loss, in addition to your county-paid basic AD&D.
If you elect enhanced AD&D for yourself, you may purchase it for family members: spouse/domestic partner at 50% or 100% of your enhanced amount and children at 10% of your enhanced amount. If a family member dies, is dismembered or paralyzed as a result of a covered accident, you're the beneficiary.
When you leave county employment, you may convert your county coverage to an individual policy. For more information and to apply, contact the plan (CIGNA) within 31 days of when your county coverage ends – click "Contact" under "Links to Help" at the top of the page. Click below for the:
Deputy Sheriffs
You automatically receive basic accidental death and dismemberment insurance. If you die in a covered accident, your beneficiaries receive $6,000. If you're dismembered or paralyzed, you receive an amount that depends on the type of loss. (AD&D is not available to family members.)
If you leave county employment, you may convert your county coverage to an individual policy. For more information and to apply, contact the plan (CIGNA) within 31 days of when your county coverage ends – click "Contact" under "Links to Help" at the top of the page. Click below for the:
Current for 2008.
