Insurance term
Accidental Death & Dismemberment (AD&D)
Accidental Death & Dismemberment (AD&D) is a type of insurance benefit that pays if the insured dies or suffers certain severe injuries, such as the loss of a limb, sight, hearing, or speech, because of a covered accident. It usually does not cover death or injury from illness, natural causes, or events excluded by the policy.
Example
If an employee loses a hand in a covered workplace accident, an AD&D policy may pay a benefit for the dismemberment.
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