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24-Hour Accidental Death and Dismemberment Insurance (24-HR AD&D)

24-Hour Accidental Death and Dismemberment Insurance (24-hr AD&D) provides protection for accidents that result in the loss (or loss of use) of the following: life, limb, (including hands and feet), vision, hearing, and/or voice. To collect this benefit, the loss must be the direct result of an accidental injury, be independent of all causes other than the accident, and be filed within 90 days of the date of the original accident.

There are many different coverage options and amounts, including employee only, employee and spouse only, employee and children only, or entire family coverage. For the different options and premium rates, please refer to the website.

Important Notes

You are eligible to enroll in this insurance even if you do not enroll in the Core Insurance Benefits. You can apply for or change 24-hr AD&D at any time; it is not constrained to the open enrollment period. Coverage begins the first day of the month after Deseret Mutual has approved your application. There is no health questionnaire or nurse's visit required to apply for or change your 24-hr AD&D coverage.

For more detailed information, please visit the website.


Return to the Employee Benefits page.