You may choose AD&D coverage on yourself only or on yourself and your family. Coverage on you pays you a benefit if you have certain injuries as the result of an accident and pays a benefit to your beneficiary if you die from injuries that result from an accident.
Family AD&D coverage pays you a benefit if a covered dependent is killed or has certain injuries as the result of an accident. If you choose family coverage, all of your eligible dependents are automatically covered.
The plan pays benefits only when death or injury is the result of an accident. The plan pays full benefits for certain losses and partial benefits for other losses.
Naming a Beneficiary: You must name one or more beneficiaries to receive life insurance benefits in case of your death. You can name the same beneficiary(s) for all of your life coverage or different ones for each plan. You may also name one or more secondary beneficiaries to receive your benefit if your beneficiary(s) die at the same time or before you. You may change your beneficiaries at any time.
View the booklet here.