Accidental Death & Dismemberment (AD&D) Insurance

Accidental Death and Dismemberment (AD&D) coverage through MetLife provides benefits to your family if you die, or to you if you are dismembered or paralyzed, as the result of an accident.

SU-Sponsored Basic AD&D Insurance

All benefits-eligible employees receive SU-sponsored basic AD&D insurance coverage in the amount of $3,000. There is no cost to you for this coverage.

Supplemental AD&D

You may purchase coverage in whole increments between 1 – 10 times your salary (not to exceed $2,000,000). Your Supplemental AD&D coverage cannot exceed your Supplemental Life insurance coverage.

When you purchase Supplemental AD&D coverage, you receive enhanced benefits at no additional cost, including:

  • Seat Belt Benefit: pays an additional 10% benefit if you were wearing a seat belt and die in an accident while driving or riding as a passenger in a car.
  • Air Bag Benefit: pays an additional 5% benefit if you were wearing a seat belt and were driving or riding in a car in a seat protected by an air bag, and die as a result of injuries sustained in an accident.
  • Child Care Benefit: pays up to $5,000 per year for 4 consecutive years toward child care costs incurred after your death.
  • Child Education Benefit: pays up to $10,000 per year for 4 consecutive years toward tuition charges for full-time students in college or vocational school after your death.
  • Spouse Education Benefit: pays up to $5,000 for a spouse’s tuition as a full-time student after your death.
  • Hospital Confinement Benefit: pays 1% of your coverage amount on a monthly basis for up to 12 months of hospital confinement resulting from an accidental injury.
  • Common Carrier Benefit: pays up to the full amount of coverage if you die in an accident as a fare-paying passenger on a government regulated transportation carrier (does not include chartered or private transportation, taxis or limousines).
  • Travel Assistance Services: if you are faced with an emergency while traveling more than 100 miles from home, this service provides you and your dependents with medical, travel, legal and financial assistance services.

Review the Certificate of Coverage for full details on these benefits. Limits and exclusions apply.

Benefit Schedule

Covered losses are payable as a percentage of the amount of coverage in place.

Schedule of Covered Losses for AD&D Insurance
Covered Losses Benefit Percentage
Loss of life 100%
Loss of hand above the wrist or foot below the knee 50%
Loss of arm above the elbow or leg above the knee 75%
Loss of sight in one eye 50%
Loss thumb and index finger of same hand 25%
Loss of speech or hearing 50%
Paralysis of both arms and both legs 100%
Paralysis of both legs, or the arm and leg on either side of the body 50%
Paralysis of one arm or leg 25%
Brain damage causing complete inability to perform normal life activities 100%

Review the Certificate of Coverage for complete details on the covered losses and benefit payments.


Supplemental AD&D coverage costs $.02 per $1,000 of coverage. Premiums are paid through pre-tax payroll deduction and are automatically calculated and adjusted as necessary during the calendar year to reflect changes in your actual salary.

Filing a Claim

Contact the HR Service Center at 315-443-4042 or email if you need to claim a dismemberment or paralysis benefit. In the event of your death, the benefit will be automatically reviewed and included in payment to your beneficiary if your death was the result of an accident.

Helpful Links

Questions? Contact the HR Service Center at 443-4042 or e-mail


The web pages summarize your Syracuse University benefit options. Every effort has been made to ensure this information is accurate. However, the programs are governed by legal documents and insurance contracts. If there is any difference between the information on these web pages and the official documents and contracts, the official documents and contracts will rule. Our benefits are governed by current laws and operated according to Internal Revenue Service (IRS) regulations. We will notify you if changes in plans are necessary to comply with the law or with IRS regulations.

Employees electing to participate in the SU benefit plans are bound by the terms of the governing Plan documents. If you have any questions regarding the plans, you may request a copy of the Plan document from the Plan Administrator by contacting the HR Service Center at the number indicated at the end of this page.

As is the case with all benefits offered by SU, (1) the Plan Administrator has the discretionary authority to interpret the terms of the Plan and such interpretation will be binding on all interested parties to the fullest extent permitted by law, and (2) the University reserves the right to modify or terminate the Plan at any time.