Accidental Death and Dismemberment (AD&D) insurance

provides funds in the event of a fatal accident or an accident resulting in the loss of a limb or eyesight.

For benefits to be paid, the death or loss must occur not more than one year from the date of the accident and be a direct result of bodily injury sustained from that accident, independent of all other causes. Usually accidental death insurance coverage stops when your employment ends. It does not carry into retirement.

If a death or loss is caused by any of the below causes, accidental death insurance will not be paid out:

• physical or mental illness
• the diagnosis of or treatment of physical or mental illness
• ptomaine or bacterial infection
• any act of war, or any armed aggression against the United States in which nuclear weapons are actually being used
• a war in which you are in actual combat at the time bodily injuries are sustained
• suicide or attempted suicide
• self inflicted / purposefully injury
• illegal drugs that you administer to yourself
• driving a vehicle on the job while intoxicated

The first thing to consider is whether or not accidental death and dismemberment insurance is what you need: What is the likelihood you will have to make a claim? If you have health and life insurance already, you should be covered in the event something happens to you and you are forced to make a claim.

It is important to read the fine print when applying for this an accidental death policy, because it may just seem like you are getting better and more adequate coverage, when you're not.
Dismemberment coverage gets a little trickier. If you lose one member (a hand, foot, limb, or sight in one eye), the insurance company will pay 50 percent of the full benefit. If you lose two members, you will receive the whole benefit.

Do you need an accidental death lawyer to file an accidental death claim for you? Find out how the Pennsylvania lawyers at Anapol Schwartz can help file a lawsuit on your behalf.

Please fill out the form below to see if you have a wrongful death case.

* Required Fields. * Click on the Disclaimer, below, for Terms PERSONAL INFORMATION
First Name:
Last Name:
E-mail Address:
Address:
City:
State:	-Please Select- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming
Zipcode:
Phone:	() - ext.
INCIDENT INFORMATION
Date of Accident:	January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902
Date of Death:	January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902
Name of Deceased:
Location of Accident:	-Please Select- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming
Please describe what happened (cause of accident):
Comments/Questions: