Benefits Connect Login
a member a minister a seminarian or candidate representing an employer representing a congregation on a mid council planning to retire
Plan for retirement Sign up for Call to Health Donate or apply to the Assistance Program Explore job opportunities Make a payment Get support for a life event
Search Menu
What are you looking for?

Term Life and Accidental Death and Dismemberment Plan

The Term Life and Accidental Death and Dismemberment (AD&D) Plan offers income security and peace of mind to your survivors upon your death. This plan provides death benefits coverage up to $200,000. AD&D coverage boosts the value of term life coverage with benefits if you die or are injured in a covered accident.

Amount of benefit

Your employer may provide term life and accidental death and dismemberment coverage in one of two ways:

  • a fixed amount of coverage: $5,000, $10,000, $15,000, $20,000, $25,000, or $50,000
  • one or two times your effective salary (up to $200,000)

Coverage details

If you die while enrolled, a lump-sum term life benefit equal to 100% of your coverage amount is paid to your designated beneficiary or eligible survivors.

AD&D benefits are payable if you die or suffer certain injuries, such as the loss of a limb, sight, or hearing, as a result of an accident. Accidental death benefits are paid in addition to term life benefits.

  • The accidental death benefit equals 100% of your coverage amount as shown in the table.
  • If multiple injuries occur from the same accident, the AD&D benefit is capped at 100% of your coverage amount.

Covered loss
AD&D benefit amount
Accidental death100% of coverage amount
Both hands or both feet or sight of both eyes100% of coverage amount
One hand and one foot100% of coverage amount
One hand or one foot and sight of one eye 100% of coverage amount
Speech and hearing100% of coverage amount
One hand or one foot50% of coverage amount
Sight of one eye50% of coverage amount
Speech or hearing50% of coverage amount
Thumb and index finger of same hand25% of coverage amount

Children’s education benefit

If your death results from a covered accident, a children’s education benefit of up to $10,000 a year is paid to each dependent child under the age of 25, for up to a total of four years of full-time study beyond high school after your death.

Enrollment

Your employer may choose to enroll you in the Term Life and Accidental Death and Dismemberment Plan if you are regularly scheduled to work at least 20 hours per week and are not enrolled in the Death and Disability Plan.

  • If your employer provides this coverage, you will be automatically enrolled. The only action you need to take is to designate a beneficiary to receive term life and accidental death benefits.
  • You do not have to provide a health statement (also known as evidence of insurability) to receive this coverage.
  • Coverage continues for as long as your employer provides it and ends when your employment ends or your employer stops providing the coverage.
  • Coverage may not be converted to an individual policy and is not available during retirement.

Supplemental death benefits

If you are enrolled in the Term Life and Accidental Death and Dismemberment Plan, you may apply for supplemental death benefits, for additional protection against the unexpected loss of income if you die. Supplemental death benefits are available for you, your spouse, and/or your eligible children.

Cost

The cost of term life and AD&D coverage is fully paid by your employer.