Supplemental Accidental Death & Dismemberment (AD&D) Insurance


Supplemental AD&D coverage provides you or your beneficiaries, as applicable, an insurance benefit in the event of death or dismemberment as a result of a covered accident. This benefit is in addition to the up to $50,000 AD&D benefit automatically included with your IU-sponsored Basic Life Insurance.

Active full-time Academic (including IU Residents) and Staff employees of Indiana University are eligible to enroll in the plan. Employees may insure their spouse and dependent children (live birth through age 25) under the Family Coverage option. Coverage for disabled dependents may be kept in force beyond the age limit if proof of total disability is provided within 31 days of the date when coverage would have ended due to the age limit. Please note, to be eligible for coverage, dependents cannot be full-time members of the armed forces of any country, cannot be insured by more than one employee, and cannot be insured as both an individual and a dependent.

To File a Claim

AD&D Claim Packet (PDF)
Contact IU Human Resources at  or 812-856-1234 to complete Employer’s Statement (Section 2)


  1. Supplemental AD&D Plan Booklet
  2. Supplemental AD&D Certificate
  3. Supplemental AD&D Portability Application
  4. Update Your Beneficiaries


Coverage Options

Eligible employees can purchase coverage from $30,000 to $500,000. If family coverage is purchased, each family member’s coverage is a percentage of the benefit amount selected. See the Plan Booklet for details.


The premiums for Supplemental AD&D coverage are paid by the employee through pre-tax payroll deductions.

Monthly Premium Rates

Benefit Amount Monthly Cost for
Employee Only Coverage
Monthly Cost for
Employee and Family Coverage*
$30,000 $0.42 $0.72
$60,000 $0.84 $1.44
$90,000 $1.26 $2.16
$120,000 $1.68 $2.88
$180,000 $2.52 $4.32
$240,000 $3.36 $5.76
$300,000 $4.20 $7.20
$350,000 $4.90 $8.40
$400,000 $5.60 $9.60
$450,000 $6.30 $10.80
$500,000 $7.00 $12.00
*For Employee and Family Coverage, benefits for family members will be a percentage of the Benefit Amount selected.


Employee may enroll in Supplemental AD&D within 30 days of becoming eligible (typically your date of hire or date of transfer into an eligible position). After 30 days, enrollment in the plan may only occur during the annual Open Enrollment period, typically in November. Outside of these enrollment periods, changes may only be made within 30 days of an IRS-qualifying life event.

Enrollment continues as long as the employee remains eligible and pays the premium. Coverage for dependents ends when they no longer qualify as dependents.

When Coverage Ends

Participants may voluntarily terminate coverage only during the annual Open Enrollment period (typically in November), or within 30 days of certain IRS-qualifying life events. Coverage otherwise ends when benefit eligibility ends, usually due to separation from IU employment or transferring to an ineligible position. A covered employee may port their coverage to an individual policy by submitting a completed portability application and the first premium payment to the policy underwriter, The Standard, within 31 days after the date group coverage ends. Please contact IU Human Resources to request completion of the employer portion of the application at (812) 856-1234 or .

Supplemental AD&D Portability Application

Submitting a Claim

To file a claim, please have each section of the Supplemental AD&D Claim Packet completed and submitted to The Standard via their mailing address noted on the top left corner of the claim documents. Contact to request completion of the Employer’s Statement (Section 2).


Standard Insurance Company
Life Benefits Department
PO Box 2800
Portland OR 97208
(800) 628-8600

Plan Documents