Voluntary Accidental Death and Dismemberment Insurance
Employees can purchase additional accidental death and dismemberment insurance for themselves and their eligible dependents which:
- Pays a benefit to an employee's or covered dependent's designated beneficiary(ies) if he or she dies in an accident; and
- Pays a benefit to the employee if the employee or his or her covered dependents suffer a covered loss in an accident.
Any coverage purchased through VAD&D Insurance is in addition to Basic AD&D Insurance coverage.
How Voluntary Accidental Death and Dismemberment (VAD&D) Insurance Works
There are two types of coverage under VAD&D Insurance:
- Employee coverage, which covers the employee only; and
- Dependent coverage, which covers an employee's spouse or registered domestic partner and/or their dependent children.
Employees pay the full cost of coverage of any VAD&D Insurance, which they purchase on a pre-tax basis.
Employees can purchase VAD&D Insurance in dollar increments of a factor times salary benefit. Employees will be able to elect a coverage amount that best fits their needs in increments beginning at ½, and increase in whole increments to 10 times salary from ½, 1, to a maximum of $1,000,000. Additional information can be found in the Evidence of Coverage.
"Annual compensation" means an employee's annual wage or salary as reported by his or her employer for the work performed as of the date of loss. It does not include earnings received as bonuses, overtime pay or other extra compensation.
When an employee reaches age 70, the total amount of the VAD&D Insurance benefit will be reduced by 35%.
Coverage for each dependent is equal to a percentage of an employee's VAD&D Insurance coverage amount as follows:
ELIGIBLE DEPENDENTS PERCENTAGE OF EMPLOYEE COVERAGE MAXIMUM DEPENDENT COVERAGE Spouse or registered domestic partner only 60% $250,000 Spouse or registered domestic partner and child(ren) *
- Spouse or registered domestic partner
- Each child
Child only 25% $50,000
*To qualify for this benefit, a stepchild or registered domestic partner's child must reside with the Leidos participant.
FOR THE LOSS OF* THE EMPLOYEE WILL RECEIVE
- Two or more members
- Both upper and lower limbs (qaudriplegia)**
- Loss of one hand or one foot and sight in one eye
- Loss of site in both eyes
100% of the principal sum
- One member
- Both lower limbs (paraplegia)**
- Upper and lower limbs on one side of the body (hemiplegia)**
- Loss of site in one eye
- Hearing in both ears
50% of the principal sum
- Thumb and index finger of the same hand
- All four fingers of the same hand
- Loss of all toes of the same foot
25% of the principal sum
* A participant's loss must occur within 365 days of the date of the accident. "Member" means hand, foot or eye. "Loss of a hand or foot" means complete severance through or above the wrist or ankle joint. "Loss of sight" means total, permanent and irrevocable loss by natural, surgical or artificial means. "Loss of speech" means total, permanent and irrevocable loss of audible communication. "Loss of hearing" means total and permanent loss of hearing in both ears which cannot be corrected by any means. "Loss of a thumb and index finger" means complete severance through or above the metacarpophalangeal joints (the joints between the fingers and the hand).
** These injuries - or paralyses - mean the loss of use, without severance, of a limb. Such a loss must be determined by a doctor to be complete and not reversible.
Only one amount, the largest to which the participant is entitled, will be payable for all losses resulting from one covered accident. Dependents' benefit amounts are reduced proportionally.
VAD&D Insurance also pays additional benefits, including:
Monthly Coma Benefit — If a participant is in a coma for at least 31 consecutive days as a result of an accident, a monthly coma benefit of 1% of the principal sum will be paid. This benefit will be paid until the participant's recovery, the 11th month of payment, or the participant's death, whichever is earliest.
If the participant dies while in a coma or remains comatose after 11 months of benefit payments, the plan will pay a lump sum to the participant's beneficiary equal to the principal sum minus any amounts paid for covered losses or paralysis.
Seat Belt(s) and Airbag Benefit — If a participant dies as a direct result of injuries sustained in a covered accident while driving or riding in an automobile and he or she was wearing a seat belt, CIGNA will pay a seat belt benefit to the designated beneficiary. The benefit will be at least $1,000, to a maximum of 20% of the participant's benefit or $25,000, whichever is less. A participant's beneficiary will receive the seat belt benefit if:
- The automobile the participant was driving/riding in was equipped with seat belts;
- The seat belt(s) was in actual use and properly fastened at the time of the covered accident; and
- The position of the seat belt(s) was certified in the official report of the covered accident or by the investigating officer. A copy of the police accident report must be submitted with the claim. If certification is not available but it is clear that the participant was properly wearing a seat belt, CIGNA will pay the additional benefit. If, however, certification is not available and it is not certain that the participant was wearing a seat belt, then the benefit will be fixed at $1,000.
In the case of a child, "seat belt" means a child restraint — as required by state law and approved by the National Highway Traffic Safety Administration — that is properly secured at the time of the accident and is being used as recommended by its manufacturer for children of like age and weight.
Additionally, CIGNA will pay an additional 10% of the employee's, spouse's or registered domestic partner's benefit, to a maximum of $25,000, if a seat belt benefit is payable to him or her, and he or she was positioned in a seat that was protected by a properly functioning, original, factory-installed supplemental restraint system (airbag) that inflates on impact. This benefit is not available for covered dependent children.
Verification of the proper inflation of the supplemental restraint system at the time of impact must be part of the official accident report or be certified, in writing, by the investigating officers.
"Automobile" means a self-propelled, private passenger motor vehicle with four or more wheels that is of a type both designed and required to be licensed for use on the highway of any state or country. Automobiles include but are not limited to sedans, station wagons, sport utility vehicles, Jeep, pickups, vans, campers or motor homes. Automobiles do not include mobile homes or motor vehicles used for mass or public transportation.
No benefit will be paid if the accident causing the participant's death occurred as a result of participation in a race, or a speed or endurance test.
Common Accident Benefit — If an employee and his or her spouse or registered domestic partner die as a result of a common accident, the spouse's or registered domestic partner's benefit amount will increase to 100% of the employee's principal sum, to a maximum of $500,000. "Common accident" means the same or separate accidents occurring within the same 24-hour period.
Child Care Center Benefit — If a participant dies as the result of a covered accident, the plan will pay child care center benefits for each covered dependent under age 13 equal to 5% of the employee's benefit amount, to a maximum of $5,000 a year. The plan will pay benefits for five consecutive years, or until the child turns age 13, whichever happens first. To receive benefits, the covered child must be enrolled in a child care center on the date of the participant's death or must enroll within 365 days after the participant's date of death.
If, at the time of the accident, coverage for a dependent child is in force but there is no dependent who qualifies, the plan will pay a benefit of $1,500 to the participant's beneficiary.
"Child care center" means a facility that is licensed; is operated according to law, including laws and regulations applicable to child care facilities; and provides care and supervision for children in a group setting on a regular daily basis. It does not include hospitals, the child's home or care provided during normal school hours while a child is attending grades one through twelve.
Increased Dependent Child Living Benefits — If a participant's covered child suffers a covered accidental injury, the plan will pay double the benefit amount, to a maximum of $100,000. If the child subsequently dies within 90 days of the same covered accident, the plan will pay only the death benefit, to a maximum of $50,000.
If a covered child sustains more than one covered loss from a single covered accident, the plan will pay double the benefit amount only for the largest amount to which the child is entitled.
Terrorism Benefits — If a participant suffers a loss of life or dismemberment due to an act or acts of terrorism, and such loss occurs within 365 days of the act(s) of terrorism, benefits are payable. For more information about these benefits and any provisions, refer to the plan's certificate of coverage.
Terrorism benefits do not apply if the loss is caused by or results from nuclear radiation or the release of nuclear energy.
"Act of terrorism" refers to a hostile or violent act carried out by a group of persons having political, military or territorial goals, but who are not operating on behalf of a sovereign state. Their purpose is to compel an act or omission by any other person or any government entity.
Dependents' benefit amounts are reduced proportionally.
War Risk Benefits — If a participant suffers a loss of life or dismemberment due to war or an act of war, whether declared or undeclared, and such loss occurs within 365 days of the covered accident, benefits are payable. For more information about these benefits and any provisions, refer to the plan's certificate of coverage.
War risk benefits do not apply if the loss occurs in the United States or in any nation in which the participant is a citizen.
Dependents' benefit amounts are reduced proportionally.
CIGNA Secure Travel Worldwide Assistance — While traveling, if an employee experiences an unforeseen medical emergency that requires him or her to be evacuated to a medical facility for treatment, Worldwide Assistance will arrange and cover, when deemed necessary by a Worldwide Assistance-designated physician, for transportation to the nearest medical facility that can properly treat the condition.
In the event an employee should die while traveling, Worldwide Assistance will arrange for all necessary government authorizations and will cover payment for the return of the employee's remains to his or her place of residence for burial.
Brain Damage — If a participant becomes brain damaged within 120 days and as a result of a covered accident, the plan will pay 100% of the principal sum. The participant must be hospitalized for treatment of the brain damage at least 7 of the first 120 days of the injury, and the brain damage must continue for at least 12 months.
If, after 12 months of continuous brain damage, a physician determines that the participant is permanently and totally disabled due to the brain damage, benefits will be paid in a lump sum at the beginning of the 13th month following the original date of the injury.
Rehabilitation — If a participant suffers a covered loss due to an accident, the plan will pay a benefit equal to 20% of the principal sum, to a maximum of $10,000, for covered rehabilitative expenses. Rehabilitative expenses must be incurred within two years of the covered accident.
Bereavement/Trauma Counseling — If a participant suffers a covered loss, the plan will pay a benefit for bereavement and trauma counseling equal to $150 per session for a maximum of 10 sessions. The participant and/or his or her immediate family members are eligible.
Home Alterations and Vehicle Modifications — If a participant suffers a covered loss, other than a loss of life, due to an accident, the plan will pay a benefit equal to 10% of the principal sum, to a maximum of $10,000, for home alterations and vehicle modifications to accommodate the participant's injury.
Education and Training Benefit — If an employee elects coverage for his or her covered dependents, VAD&D Insurance will pay an additional benefit for education assistance, as follows: :
- For an employee's covered spouse or registered domestic partner: The plan will pay an additional 5% of the employee's principal sum, to a maximum of $5,000, for up to three years when the spouse or registered domestic partner enrolls in any accredited school within one year of the employee's death. Enrolling in school must be for the purpose of retraining or refreshing skills needed for employment. The spouse or registered domestic partner must incur expenses that must be paid directly to, or approved and certified by, the same school.
- For an employee's covered dependent children: The plan will pay an additional 5% of the employee's principal sum, to a maximum of $5,000, for up to four consecutive years when the child enrolls as a full-time student before age 25. The school must be a college, university, or other institute of higher education. The expenses of higher education should be related to tuition, fees, books, room and board, and transportation, and must be paid directly to, or approved and certified by, the same school.
VAD&D Insurance will not pay benefits if a loss results, directly or indirectly, from or is caused by:
- Self-inflicted injuries or suicide;
- Any felony committed by the insured;
- Any act of war, declared or undeclared;
- Sickness, disease, physical or mental impairment, medical or surgical treatment of a bacterial or viral infection, regardless of how contracted. (This does not include bacterial infection that is the natural and foreseeable result of an accidental external cut or wound, or accidental food poisoning.)
Benefits are also not payable if the loss occurs while the participant is:
- On full-time active military duty for more than 30 days in the armed forces;
- Traveling in an aircraft that is owned, leased or controlled by the sponsoring organization;
- Traveling in an experimental aircraft or one designed to be used in outer space;
- Traveling in an aircraft that is being operated by or for a military authority other than U.S. Military Airlift Command (MAC), or similar foreign service;
- Hang gliding;
- Parachuting, except for self-preservation;
- Piloting or serving as a crew member in any aircraft; and
- Taking a flying lesson in any aircraft.