Accidental death and dismemberment insurance (AD&D) protects you and your family (depending on your election) in case of a death or loss of a bodily function due to a covered accident, subject to the schedule of benefits.
Employees may elect coverage for themselves or themselves and their eligible dependents under the family plan. For this plan, the term "eligible dependent" covers a spouse (under age 70) and children, including step, foster, and legally adopted children (until age 26, regardless of student status). Employee coverage amounts are available from $10,000 to $500,000 (in multiples of $10,000). The maximum available for employees earning less than $15,000 per year is $150,000. If coverage over $150,000 is elected, that amount may not be more than ten times the employee's base annual salary.
| Coverage | What You Pay (Monthly) |
|---|---|
| Employee only | $0.20 per $10,000 of coverage |
| Employee and family | $0.40 per $10,000 of coverage |
If you are age 70 or older at the time you sustain injuries in a covered accident, your benefit reduces to 45% of the elected benefit amount; at age 75, to 35%; at age 80, to 15%; at age 85, to 10%. Coverage for your spouse or domestic partner ends once he or she reaches age 70.
Business Travel Accident Insurance
Rice University carries an accident insurance policy coverage for faculty and staff during travel while on university business or in performing their responsibilities. For more information, see University Policy 806.
For more specific information on travel insurance, please visit this site: https://controller.rice.edu/rca-travel