AD&D Coverage

Help protect yourself against the unexpected with IPSE-US Optional Accidental Death & Dismemberment (AD&D) coverage at affordable group rates, available to you as a benefit of your membership



This optional AD&D coverage is offered through your IPSE membership and is issued by The Prudential Insurance Company of America, a company that has stood the test of time for more than 140 years.

Apply for coverage and in the event of a tragedy, you and your loved ones can have help with unplanned costs related to serious injuries and death.

Serious Accidents

95% of disabling illnesses and accidents are not work-related and are not covered by workers’ compensation insurance.

Financial Security

In the U.S., about 66% of people live from paycheck to paycheck.

Are you Prepared

Accidents are the fourth-leading cause of death in the U.S.



Reliable coverage for the unexpected is now possible with optional AD&D insurance you can take with you from job to job, as long as you remain a member. Benefits can be used to cover expenses if you die or experience severe injuries as the result of an accident.

Apply today and enjoy exclusive rates available to IPSE members.

Image by Dvir Adler



Flexible Coverage Amounts

Optional Accidental Death and Dismemberment (AD&D) Coverage is issued by The Prudential Insurance Company of America. Members who are under the age of 60 may choose up to $500,000 of coverage to help protect your loved ones from the financial drain of accidental injuries. You can choose from two coverage plan options— Member Only or Member & Family coverage.

If you choose to enroll for Member & Family coverage, the spouse benefit is 60% of the elected member benefit amount as long as no dependent children are covered. However, if dependent children are being covered, the spouse benefit amount is 50% of the member elected benefit amount.

Each dependent child receives the same percentage amount, depending on whether a spouse is also being covered within the policy. The dependent child(ren) benefit amount is 15% of member's coverage if a spouse is included. If there is no spouse, each dependent child will receive 20% of the member's coverage regardless of the number of children a member has.

Premiums are based on the plan you choose. Premiums are paid monthly or quarterly, depending on your choice at the time of enrollment.

Schedule of Benefits

Optional AD&D coverage helps offer you financial protection if you die in a covered accident— or if you incur a loss due to an accident. The chart below breaks down the percentage of your coverage amount you would receive if you experience a covered injury.

Loss of and % of Principal Sum

Life 100% 

Both Hands or Both Feet 100%

Sight in Both Eyes 100%

One Hand and One Foot 100%

One Hand or One Foot, and Sight of One Eye 100%

One Hand or One Foot 50%

One Arm or One Leg (by severance, above the elbow or above the knee)75%

Sight of One Eye 50%

Speech 50%

Hearing in Both Ears 50%

Speech and Hearing in Both Ears 100%

Thumb & Index Finger of Same Hand 25%

Hearing in One Ear 25%

Four Fingers of the Same Hand 25%

All Toes on One Foot 25% BigToe 13%

Quadriplegia 100% 

Paraplegia 75% 

Hemiplegia 50% 

Uniplegia 25% 

Triplegia 75%

Coma 1% up to 100 months less any other Principal Sum benefits paid after one month of a continuous coma

Note: The total amount payable for one accident is 100%

Supplemental Features

Loss Due to Exposure and Disappearance

Exposure to the elements can be considered an accidental bodily Injury. Exposure to the elements means exposure to severe hot or cold weather that results in actual significant physical injury including sun stroke, heat stroke and frostbite. It will be presumed that you have suffered a loss of life if your body has not been found within one year of disappearance, stranding, sinking or wrecking of any vehicle in which you were and occupant.

Seat Belt Benefit

If a loss of life occurs in a car accident and the covered individual is wearing a seat belt (in the prescribed manner), or is sitting in a car seat equipped with an air bag and wearing a seat belt, the plan pays an additional benefit of 10% of the coverage amount, up to $10,000. If it cannot be determined that the person was wearing a Seat Belt at the time of the Accident, a benefit of $1,000 will be paid.

24 Hour All Risk Hazard

Benefits will be paid as described in the contract for any Accident, which happens to an insured.

Air Bag Benefit

If a loss of life occurs in a car accident and the covered individual is wearing a seat belt (in the prescribed manner), or is sitting in a car seat equipped with an air baf and wearing a seat belt, the plan pays an additional benefit of 10% of the coverage amount, up to $10,000. A loss is not covered under this additional benefit if it results from driving or riding in any Automobile used in a race or a speed or endurance test, for acrobatic or stunt driving, or for any illegal purpose. The benefit is an mount equal to the less of: (a) 10% of the Amount of Insurance on the person; and (b) $10,000.

Air Bag Benefit

This benefit provides a cash payment in the event of accidental loss of life or limb that occurs while travelling on a common carrier during a covered trip. A Common Carrier is typically defined as any public and ticketed transportation, such as a flight, bus or train.

1. Council for Disability Awareness, Disability Statistics, July 2013.

2. American Payroll Association, Getting Paid in America Survey, 2016

3. “10 Leading Causes of Death by Age Group, United States-2013, CDC.”

† Coverage is not guaranteed and subject to proof of good health.

*IPSE-US Member Optional Term Life and Optional AD&D coverages are available to members in most of the United States including Puerto Rico and the District of Columbia. * IPSE-US Member Optional Term Life and Optional AD&D coverages are not available in; Alaska, Colorado, Idaho, Minnesota, Montana, New Hampshire, Oregon, South Dakota, Utah, and are not included as a member benefit at any membership level.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

IPSE-US Member Optional Term Life and Optional Accidental Death and Dismemberment coverages are issued to IPSE-US by The Prudential Insurance Company of America, Newark, NJ and distributed by iWorker Innovations, LLC, a Delaware limited liability company. iWorker Innovations, LLC is a subsidiary of iW Holdings, LLC. Prudential Workplace Solutions Groups Services, LLC owns a minority non-controlling interest in iWorker Holdings, LLC. The Prudential Insurance Company of America and Prudential Workplace Solutions Group Services, LLC are businesses of Prudential Financial, Inc. Each company is solely responsible for its own financial condition and contractual obligations. The Booklet-Certificate contains all details, including any exclusions, limitations and restrictions, which may apply. CA COA #1179, NAIC #68241. Contract Series 83500.

© 2019 Prudential Financial, Inc. and its related entities