What does Accidental Death and Dismemberment Insurance mean?
It is a measure pertaining to the life insurance policy, which besides offering coverage in case of death by accident it also offers coverage in case where the accident ends up in a certain disability. These kinds of provisions pertaining to the policy are much more expensive, and most of times these are suggested by the work giver as a type of preventive option.
Accidental Death and Dismemberment Insurance explained
Even before accepting such a stipulation it is of utmost importance that the future policy holder reads thoroughly the whole disclaimer. Every explanation is very important for understanding the terms of eligibility for AD&D, as it may turn out that in order to be fully covered by the policy, disability must occur at both arms, legs, or any other member or vital organ. Also, there is usually given a period of time within which the policy is still active: for example, one is covered by the policy only in case the time elapsed between the accident and the death of a patient does not exceed x hours or x days.