Accidental Death and Dismemberment Insurance (AD&D)
Accidental Death & Dismemberment (AD&D) insurance is available to eligible employees through the Office of State Personnel's NCFlex benefits program. Coverage is provided by AC Newman and Company, and pays a benefit if a covered participant suffers a loss as the result of a covered accident while insured under the plan. A benefit is also payable if certain disabling injuries occur while covered.
Additional plan provisions at no extra cost include education benefits, child care benefits, seat belt coverage, survivor's benefit, common disaster benefit, enhancement for children, and world-wide emergency travel assistance services.
Who's Eligible?
Permanent employees who work at least 20 hours or more per week for 9 or more months per year are eligible to enroll in all NCFlex benefit plans including AD&D. Participating employees may elect coverage for a legal spouse, and children up to the age of 19 or 26 if a full-time student.
How Much Coverage Can I Purchase?
The amount of insurance purchased by the employee is called the principal sum. If family coverage is elected and a loss is incurred, the amount paid is a percentage of the principal sum, as if the employee suffered the loss.
Note: The amount of coverage will decrease upon attainment of age 70.
Accidental Death & Dismemberment Rates
| Sum |
Employee Only |
Employee and Family |
| $50,000 |
$ 1.36 |
$ 2.00 |
| $75,000 |
$ 2.02 |
$ 3.00 |
| $100,000 |
$ 2.70 |
$ 4.00 |
| $125,000 |
$ 3.38 |
$ 5.00 |
| $150,000 |
$ 4.06 |
$ 6.00 |
| $175,000 |
$ 4.72 |
$ 7.00 |
| $200,000 |
$ 5.40 |
$ 8.00 |
| $250,000 |
$ 6.76 |
$10.00 |
| $300,000 |
$ 8.10 |
$12.00 |
| $350,000 |
$ 9.46 |
$14.00 |
| $400,000 |
$10.80 |
$16.00 |
| $500,000 |
$13.50 |
$20.00 |
How Do I Enroll?
New Employee
New employees will obtain information and enrollment instructions during New Employee Orientation, and must enroll within 30 days of hire by visiting the NCFlex web site.
Qualifying Event
If a qualifying event occurs (birth, marriage, change in employment status, etc.) changes must be made within 30 days of the event date. Log on to the NCFlex Online System to update your benefits under Life Events.
Annual Enrollment
Employees who do not choose coverage when first eligible, or during a qualifying event may enroll during Annual Enrollment, typically held in the autumn with changes effective January 1 of the following year.
Beneficiary Designation
An employee must designate his/her beneficiary upon enrollment, and may change the designation at any time, by going online to www.ncflexonline.org.
When Is Coverage Effective?
For newly eligible employees, coverage is effective the first of the month following the date of hire. The effective date of coverage resulting from a qualifying event is the first of the month following the date the change request is submitted. Changes made during Annual Enrollment become effective January 1 of the following year.
When Can I Make Changes?
Changes to NCFlex benefits including AD&D can be made during Annual Enrollment typically held each autumn, for a January 1 effective date. Employees who experience a qualifying event may make changes within 30 days of the event date.
What If I Leave Employment?
Employees who leave employment with NC State will be given the option to continue coverage at the current group rates (portability). Coverage may also continue for spouses and children. Portability coverage must be elected within 31 days of the date of termination.
