AD&D insurance through work

If you can get free or very inexpensive AD&D insurance through work, it’s worth signing up because of the low cost.

You usually won’t have to answer any health questions to get AD&D coverage at work. You’ll name a beneficiary, such as a spouse, just as you would with a regular life insurance policy. The beneficiary gets the money if there’s a death payout. You get the money if there’s payment for an injury like loss of a finger.

AD&D insurance at work is generally offered in multiples of your annual salary. You might also be able to add a spouse or children for coverage.

The coverage will end when you leave the job, at a date specified by the policy.

AD&D can be a good supplement to regular life insurance, but it’s not a replacement.