Voluntary AD&D/Personal Accident Insurance

A serious injury or death can have a financial impact even for two-income families. Voluntary AD&D/Personal Accident Insurance enables businesses to offer their employees insurance in the event of an accidental death or injury.  Businesses can broaden their employee benefits portfolio with virtually no administration, thanks to convenient payroll deduction. This coverage controls a business’ costs, as premiums are paid entirely by the employees

Features and Benefits Back To Top
  • Covers participants 24 hours a day, 365 days a year, worldwide
  • Pays claims for injuries caused by covered accidents on or off the job
  • Delivers benefits in addition to other insurance programs in effect at the time of the accident
  • Provides Basic Accidental Death and Dismemberment benefits
  • Offers a broad dismemberment schedule
  • Requires no physical examination
  • Delivers an extensive array of popular optional benefits including family income, tuition for children and spouses, day care continuation, waiver of premium, rehabilitation, bereavement and trauma counseling and Travel Assist
 

The goal of A&H Claims is the skillful evaluation and swift resolution of every claim. To make sure this commitment is met, we employ teams of specialists in accident and health claims, and we assign dedicated specialists to cases with complex needs. The people at A&H Claims embody our standards for service excellence. Our claims specialist unit is staffed with seasoned supervisors and examiners cross-trained in all facets of claims processing. These knowledgeable professionals have the expertise to provide the right solutions and the authority to implement them. What’s more, our people are warm, patient and particularly sensitive to difficult situations. We also provide specialized claims support exclusively for the needs of our agents, brokers and consultants.

We understand that our clients view their interaction with our team as the touchstone of the claims process. A&H’s Call Center is managed to ensure that the performance of our staff and our technological support results in an outstanding level of customer service for each of our clients.

Our Call Center operations are designed with the latest technology to optimize communications with our customers. Our sophisticated call management system is fully automated to minimize call transfers and hold times and provide every caller with exceptional service. And we are continually assessing Call Center volume, hold times and peak periods so that we are always staffed and ready to provide outstanding customer service.


You can reach the Domestic A&H Claims Department at 1-800-551-0824. Our business hours are from 8:30 a.m. to 5 p.m. eastern time. After hours, customers may leave messages. We guarantee a return call within 24 hours.