# Accidental Death & Dismemberment (AD&D) Insurance Arkansas State University offers employees the ability to purchase Accidental Death and Dismemberment (AD&D) insurance through UNUM. - You may purchase insurance for yourself in increments of $25,000 up to a maximum benefit of five times your salary, or $250,000, whichever is lower. - You may also purchase additional coverage for your family. If you purchase family coverage, your spouse is covered at 50% of your elected amount, and children to age 19 (or age 23 if students) are covered at 10% of your elected amount. - UNUM is the carrier

Please note that you may be covered only once on the optional AD&D coverage. You may be covered as an employee or a spouse, or a dependent child.

--- #### How to File an Accidental Death & Dismemberment Insurance Claim Arkansas State University’s Human Resources department will guide you through the process of filing an AD&D insurance claim. HR will handle all necessary paperwork with the insurance provider to ensure a smooth and timely process. If you need to initiate a claim or have any questions, please contact [Human Resources](mailto:hr@astate.edu) directly for assistance. --- #### Additional Information regarding Accidental Death & Dismemberment (AD&D) can be found on the [ASU System Benefits Page](https://asusystem.edu/employee-benefits-human-resources-insurance-retirement/employee-benefits-faqs/)