Accidental Death & Dismemberment Insurance (AD&D)

OU employees receive accidental death and dismemberment insurance (AD&D) as part of the core benefits provided by OU. The university also offers optional accident protection insurance for you, your spouse and your children. This coverage is very inexpensive and provides a benefit in the case of dismemberment as a result of an accident or an untimely death.

You may purchase additional AD&D insurance for yourself in $50,000 increments up to $250,000.

You can purchase dependent AD&D insurance for your spouse at a coverage level ranging from $10,000 to $40,000 and for your eligible dependent children at a $5,000 or $10,000 level. The premiums are the same regardless of the number of children you cover.

A beneficiary is the person or organization that receives a benefit if the covered person dies.

• Beneficiaries can be added in the AD&D section of Employee Self-Service during annual benefits enrollment or by contacting HR. 
• An employee must contact Human Resources to make changes to or remove a currently assigned beneficiary.
• An employee's estate will be the designated beneficiary if they do not designate one when first enrolling in basic coverage. 
• If they choose to enroll in additional coverage, the same beneficiaries designated for an employee's basic coverage will be assigned to their additional coverage. 
• The employee is automatically designated as the only beneficiary for spouse and child coverage.