Term Life insurance provides a lump sum of money to your beneficiaries if you die. It is intended to help replace lost income. Life insurance covers you whether you die of natural or accidental causes.
AD&D insurance provides a lump sum payment if you die as the direct result of an accident or if you lose a portion of your body because of an accident. If you have life insurance and AD&D, and you die in an accident, both benefits are paid to your beneficiaries. This is called "double indemnity." If you or any dependents have AD&D and lose a portion of your body as the result of an accident, then you will be the beneficiary of the claim.
The UW provides each eligible employee with $25,000 of life insurance and $5,000 of Accidental Death and Dismemberment (AD&D) insurance at no cost to the employee.
You can choose supplemental coverage for yourself and your eligible dependents by paying additional monthly premiums.
AD&D coverage never requires any proof of good health, and can be added or dropped at any time.
Enrollment in supplemental Life and AD&D insurance is optional. If you wish to enroll, complete the following steps.