What is the Definition of Accidental Death and Dismemberment Insurance?

Accidental death and dismemberment (AD&D) insurance is defined as a payout benefit for your named beneficiaries in the event that you die or lose an appendage accidentally. This is a form of life insurance that helps to financially protect your loved ones.

Qualified Insurance for Accidental Deaths and Dismemberments

The Center for Disease Control & Prevention reports that accidental deaths are the fourth leading cause of death in the United States. These deaths can occur in the most unlikely circumstances and places. However, most accidental death insurance policies only pay out when there is a qualifying accidental death, such as:

  • Falls
  • Motor vehicle deaths
  • Gas poisoning

Many AD&D insurance policies also pay out when you lose a body part or physical ability as a result of an accident. This can include:

  • Loss of sight, speech, or hearing
  • Loss of hand
  • Loss of arm
  • Loss of part of leg

While some may find this type of life insurance policy to be unnecessary, the uncertainty that comes with a specific job or with life in general can make AD&D policies valuable.

It’s important to note that while AD&D policies may cover the accident or death, there will be other costs associated that they do not cover. For example, if someone loses a limb, there will likely be a great deal of blood that needs to be cleaned up. Likewise, if there is an unattended death on your property and the body begins to decompose, there will be a need for bodily fluid cleanup.

These situations often require a professional remediation company whose services are not covered under an accidental death and dismemberment policy. However, remediation services are generally covered by homeowners insurance policies - but you should check with your insurance adjuster to make certain.

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Cleanup After an Accidental Death or Dismemberment

If there is an accidental death or dismemberment in your home, or in a property that you own, it’s important to properly disinfect the area. Depending on the severity of the accident, the affected area could become a potential health risk due to blood or decomposition. Both of these situations pose a risk to family members or colleagues who could come into contact with potential bloodborne pathogens and other potentially infectious material (OPIM).

If you find yourself in this type of situation, contact a professional bioremediation company. Aftermath has 20 years of research and experience to systematically disinfect every trauma scene we encounter. Our trained specialists are capable of handling any crime scene or trauma cleanup while preserving your property. And, while we can’t make any guarantees, in most cases, homeowners insurance policies cover our services so that you’re only left to pay the deductible.

Even with accidental insurance, the loss of a loved one is difficult for anyone to endure. Let us work with your homeowners insurance company to help relieve the burden of cleanup. Contact Aftermath day or night.

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Sources:
http://www.cdc.gov/nchs/fastats/accidental-injury.htm

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