Accidental death and dismemberment (AD&D) coverage pays a benefit to you or your beneficiary after an accident that causes the covered person’s death or severe disability. Your Employee Benefits Handbook provides details on covered accidents and disabilities.

Summary of Coverage

As a benefits-eligible employee, Texas Health provides AD&D insurance coverage equal to your annual base pay, up to $50,000. You have the option to elect Additional AD&D for yourself and Additional AD&D for your eligible family members.

Benefit Plan Coverage Amount

Who Pays

AD&D for Employee and Family
Basic AD&D One times your annual base pay up to $50,000

Texas Health

Additional AD&D One to 10 times your annual base pay, up to $750,0001


Additional AD&D Family If your covered spouse or child is injured or dies as a result of an accident, you will receive a benefit based on the extent of
the injury as shown in your Employee Benefits Handbook. 


1 You may increase your coverage when you have an qualified status change or during the open enrollment period. If you are absent from work because of sickness or injury on the date your Life and/or AD&D coverage or increase in coverage would otherwise become effective, your effective date will be deferred until you return to active service. 

Travel Assistance Program

Benefits-eligible employees have access to the Travel Assistance Program as part of the Basic AD&D coverage provided by Texas Health Resources. Through AXA Assistance USA, Inc., you and your covered dependents have access to medical and travel assistance services 24 hours a day, 365 days a year.  

Naming a Beneficiary

What is a beneficiary? A beneficiary is a person that is paid money by your plan, in the event of your death. To be sure that your money is paid out to who you want, you’ll need to add your beneficiary in the enrollment system.

Tips for Beneficiary