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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Featured

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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
6 lessons Mary Lou Retton’s health scare can teach us about coverage
Mary Lou Retton’s health scare story included some important lessons for consumers, many of whom may assume that the celebrity’s health scare is a sign of barriers to affordable health coverage.
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accidental death and dismemberment insurance

What is accidental death and dismemberment insurance?

Accidental death and dismemberment insurance (AD&D) is also known as personal accident insurance (PAI). An AD&D policy provides a lump-sum payment to you or your beneficiaries if you’re involved in an accident that results in your death or a permanent injury that’s specifically covered in your policy.

AD&D policies do not cover illnesses, or accidental injuries that aren’t specifically covered by the policy. Typically, AD&D policies cover death, loss of vision, hearing, or speech, paralysis, or loss of a limb. The maximum payout is the face value of the policy, which is paid to the plan member’s beneficiaries if the accident results in death.

A specified percentage of that amount (for example, 25 percent or 50 percent) would be paid for things like loss of eyesight or loss of a leg.