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Spouse AD&D Insurance pays a benefit separate from the life insurance benefit, if your spouse is severely injured or die as the result of a covered accident. 


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


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


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If you elect more AD&D Insurance we will update your premium to match the spouse supplemental life enrollment. 


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


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Spouse AD&D insurance cannot exceed 50% of the Employee AD&D amount