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AD&D Insurance pays a benefit to you or your beneficiary, separate from the life insurance benefit, if you are severely injured or die as the result of a covered accident. 


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This coverage is part of the Group Term Life Insurance offered through your employer. 


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Eligible employees may elect Supplemental AD&D Insurance in an amount equal to your Supplemental Life Insurance amount. 


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If you elect more we will update your premium to match the supplemental life enrollment. 


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If you do not elect supplemental life insurance you cannot enroll in AD&D Insurance.