Accidental Death & Dismemberment (AD&D) - Voluntary - Employee Paid

Accidental Death & Dismemberment (AD&D) - Voluntary - Employee Paid  

Accidental Death & Dismemberment

Valuable protection on or off the job.


"As long as you've got your health . . ."

If you're physically healthy, you can work, play, take care of your family, and enjoy life. The same holds true for your financial health. For long-term financial well-being, you need to understand where you are, be aware of where you want to go, and have a plan to get you there.

But, if something were to happen to you, all your hard work - and everything you have - could be lost unless you've taken steps to protect yourself and your family. NYL GBS's Accidental Death & Dismemberment (AD&D) insurance can help you protect your family’s financial health at a cost you can afford. Usually for a few dollars a month, you can receive thousands of dollars worth of protection that can help provide security and peace of mind for you and your family. This coverage also provides protection on or off the job.

Having adequate insurance coverage is not only the basis for a sound financial blueprint; it also provides the protection you need to help ensure that your family, your home and your finances will be protected.

Who needs Accidental Death & Dismemberment (AD&D) Insurance?

You do. Accidental Death & Dismemberment (AD&D) insurance can help you pay expenses if you are seriously injured or killed in a covered accident. This coverage can help ensure that tragedy doesn't take both an emotional and a financial toll on your family. By purchasing Accidental Death & Dismemberment (AD&D) insurance through your employer, you benefit from:

  • Affordable coverage at group rates
  • Convenient payroll deduction
  • Guaranteed issue amounts
  • Access to knowledgeable service representatives

Please read the plan information for a full disclosure of plan provisions, benefits, exclusions, limitations, and effective dates of coverage prior to making your selections.

You can Enroll for AD&D Insurance Online by using the "Enroll Online" button. Or, you can Complete An Enrollment Application and submit to NYL GBS.

Option 1

Enroll Online

Option 2

Download Your Enrollment Application

Complete, sign and date the enrollment application and return to NYL GBS at the address shown on the form.


If you have questions, please call 1.800.828.3485 to speak to a NYL GBS representative (Monday through Friday, 8 AM to 5 PM CST or 9 AM to 6 PM EST).

My Benefits

  • Who is Eligible for Coverage?

    You - You are eligible for coverage if you are an active full-time employee of IDT, regularly working a minimum of 30 hours per week and have completed the new hire waiting period of 90 days from date of hire.

    Your Family - You may elect to cover your lawful spouse under age 70 and your unmarried dependent children from live birth and younger than 19 years old; or younger than 25 years old and a full-time student; 19 years of age or older and primarily supported by the employee and incapable of self-sustaining employment because of a mental or physical handicap.


    No one may be covered more than once under this plan. If covered as an employee, you cannot also be covered as a dependent.

  • How Much Coverage Can You Buy?

    You - You may select up to $1,000,000 of coverage in units of $10,000.

    Your Spouse - Your Spouse can select coverage in $10,000 units up to a maximum of $250,000.

    Your Children - You can select $5,000 or $10,000 of coverage if you enroll your children. The cost is the same regardless of the number of children covered.

  • Your Monthly Cost

    Your cost will depend on the benefit amount and coverage option you select.

    Monthly Cost of Insurance

    Employee Only

    $0.021 per $1,000 of coverage

    Spouse Coverage

    $0.021 per $1,000 of coverage

    Child Coverage

    $0.021 per $1,000 of coverage


    Rates are subject to change.

  • When You Reach Age 65

    By the time you reach age 65, chances are that your children will be grown and your mortgage paid. At age 65, providing you are still employed, your coverage will decrease to 65% of the benefit amount. It will decrease to 50% at age 70. Premiums and coverage for your spouse will end at age 70.
  • A Valuable Combination of Benefits

    To help protect yourself and your family against losses due to accidents, Accidental Death & Dismemberment Insurance pays 100% of the benefit amount you select for accidental loss of life occurring within 365 days of a covered accident. A covered accident is a sudden unforeseeable event that results in injury or death and that occurs while coverage is in force. To help survivors of severe accidents adjust to new living circumstances, NYL GBS will pay benefits for dismemberment, loss of eyesight, speech and hearing, and paralysis.

    If, within 365 days of a covered accident, bodily injuries result in:

    NYL GBS will pay this % of the benefit amount

    Loss of Life
    Loss of Two or More Hands or Feet
    Loss of Sight or Both Eyes
    Loss of One Hand or One Foot and Sight in One Eye
    Loss of Speech and hearing (in both ears)


    Loss of One Arm Permanently Severed at or Above the Elbow
    Loss of One Leg Permanently Severed at or Above the Knee


    Loss of One Hand or Foot
    Loss of Sight in One Eye
    Loss of Speech
    Loss of Hearing (in both ears)


    Loss of all Four Fingers of the Same Hand
    Loss of Thumb and Index Finger of the Same Hand


    Loss of all the Toes of the Same Foot


    Coma (after 12 months the benefit amount will increase to 100%)



    If the same accident causes more than one of these losses, we will pay only one amount, but it will be the largest amount that applies.

    Loss of hand or foot means complete severance through or above the wrist or ankle joint. Loss of sight means the total, permanent loss of the sight of the eye. The loss of sight must be irrecoverable by natural, surgical, or artificial means. Loss of speech means total, permanent and irrecoverable loss of audible communication. Loss of hearing means total and permanent loss of hearing in both ears, which cannot be corrected by any means. Loss of a thumb and index finger means complete severance through or above the metacarpophalangeal joints (the joints between the fingers and the hand). Paralysis means loss of use, without severance, of a limb. This loss must be determined by a doctor to be complete and not reversible. Severance means complete separation and dismemberment of the limb from the body.

  • Other Benefit Features

    For Child Care Expenses

    Accidental Death & Dismemberment Insurance pays an additional benefit to help pay for your children's child care expenses.

    If you have elected to cover your family members and you or your insured die as a result of a covered accident and you have a surviving child under 13 who is enrolled in a licensed child care center at the time of the accident or within 1 year afterward, we will pay a child care center benefit. This benefit will be an annual sum for each covered child of up to 12% of your benefit amount but not more than $5,000 per year for 5 years or until the child turns 13, whichever occurs first.

    We will make the payment to the child's surviving custodial parent or legal guardian.

    Each payment will be made at the end of a 12-month period in which there were documented child care center expenses.

    For Wearing a Seat belt and Protection by an Airbag

    This benefit is payable if an insured person dies as a direct result of injuries sustained in a covered accident while driving or riding in an automobile*, while wearing a properly fastened seat belt (or if the insured is a child, a child restraint as defined by law). That person's death benefit will be increased by 10% but not more than $25,000. If the insured person was also positioned in a seat protected by a properly-functioning, original, factory-installed and properly deployed Supplemental Restraint System ** (Airbag), we will increase that person's death benefit by an additional 10% but not by more than $10,000.

    Verification of the actual use of the seat belt and that the supplemental restraint system inflated properly on impact at the time of the accident, must be part of an official report of the accident, or be certified, in writing, by the investigating officer(s) and submitted with the claim.

    If it is unclear whether the insured had been wearing a seat belt or that the person was positioned in a seat protected by a properly functioning and properly deployed airbag, the plan will pay a benefit of $1,000. No benefit will be paid if the official accident report indicates that no seat belt was worn and the air bag did not inflate at the time of the accident.


    The Education Benefit

    If you are the primary source of income for your family, the loss of that income could be devastating to your family, especially if a college education for your children is one of your long-term goals. What’s more, your spouse might need to go back to school in order to gain new skills for employment. Accidental Death & Dismemberment Insurance provides benefits for training or education, as follows:

    • For your children. If you die in a covered accident, we will pay an extra benefit for each insured child who is enrolled in college or the 12th grade and enrolls in college within one year of the accident. To help pay college expenses, we will increase your benefit amount by actual charges up to 5% or $5,000, whichever is less, for each qualifying child. This benefit is payable each year for four consecutive years, as long as your children continue their college education. If no Dependent Child qualifies for this benefit within one year of your death in a covered accident, we will pay $1,000 to your beneficiary.
    • For your spouse. If, within three years of your death in a covered accident, your spouse enrolls in an accredited school to gain skills for employment, we will pay the actual cost of this education or training program up to 5% or $5,000, whichever is less.

    Hospital Stay Benefit

    This benefit pays if a covered person requires hospital confinement*** for treatment of injuries sustained in a covered accident after the 7-day waiting period or a daily maximum of $100, if less. This benefit is payable up to 365 days per covered accident, per covered person.

    Exposure and Disappearance

    This benefit pays for covered losses resulting from unavoidable exposure to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you are traveling. It also allows the presumption of death if your body is not found within a year of a covered accident.

    Common-Carrier Benefit

    A covered person must be a passenger at the time of the common-carrier accident, and a proper authority must have licensed the vehicle to transport passengers for a fee. Common-carrier vehicles are limited to airplanes, trains, buses, trolleys, and boats that operate on a regularly scheduled basis between predetermined points or cities. Taxis are not included. This benefit automatically increases your coverage by 50%, up to $500,000.

    *Automobile means a self-propelled, private passenger motor vehicle with four or more wheels which is of a type both designed and required to be licensed for use on the highways of any state or country. Automobile includes but is not limited to a sedan, station wagon, sport utility vehicle or a motor vehicle of the pickup, van, motor home or camper type. Automobile does not include a mobile home or any motor vehicle which is used in mass or public transit.

    **Supplemental Restraint System means an airbag that inflates upon impact for added protection to the head and chest areas.

    ***Hospital confinement is defined as a 24-hour overnight stay of a covered person confined to a hospital as an inpatient for which a charge is made. The confinement must be on the advice of a physician and medically necessary. Benefits are also payable for confinement in hospitals operated by or for the United States government. Confinement must start within 30 days of the accident.

  • What is not covered?

    In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section in the policy, should you be approved:

    • Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane;
    • Commission or attempt to commit a felony or an assault;
    • Commission of or active participation in a riot or insurrection;
    • Bungee jumping; parachuting; skydiving; parasailing; hang-gliding;
    • Declared or undeclared war or act of war;
    • Flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface:
      • Except as a passenger on a regularly scheduled commercial airline;
      • Being flown by the Covered Person or in which the Covered Person is a member of the crew;
      • Being used for:
        - Crop dusting, spraying or seeding, giving and receiving flying instruction, fire fighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, . aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or
        - Any operation that requires a special permit from the FAA, even if it is granted (this does not apply if the permit is required only because of the territory flown over or landed on);
      • Designed for flight above or beyond the earth’s atmosphere;
      • An ultra-light or glider;
      • Being used for the purpose of parachuting or skydiving;
      • Being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign equivalent;
    • Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;
    • Travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be ‘’controlled’’ by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;
    • A Covered Accident that occurs while engaged in the activities of active duty service in the military, Navy or Air Force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days;
    • Operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred;
    • Voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;
    • In addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:
      • Employed or retained by the Subscriber;
      • Providing homeopathic, aroma-therapeutic or herbal therapeutic services;
      • Living in the Covered Person’s household;
      • A parent, sibling, spouse or child of the Covered Person.
  • When Your Coverage Begins and Ends

    Your coverage will start on the date we receive your completed and signed application, and your payroll authorization form. If you’re not actively at work on your start date, we’ll defer your start date until you’re actively at work.


    Your coverage will end on whichever comes first:

    • Your employer cancels the group policy.
    • You are no longer an eligible employee.
    • You are no longer actively at work.
    • You don’t pay the premiums.


    Spouse or dependent children coverage will end on whichever comes first:

    • Your coverage ends.
    • Their premiums are not paid.
    • They’re no longer eligible.
  • Changing from the Group Plan to Individual Coverage

    If this group coverage ends before you reach age 70 for any reason except non-payment of premium or age, you can convert to an individual policy. No medical certification is needed. To continue coverage, you must apply for the conversion policy and pay the first premium in effect for your age and occupation within 31 days after your group coverage ends. Family members may convert their coverage as long as they have not reached the maximum age limitation. Converted policies are subject to certain benefits and limits as outlined in your certificate, should you become insured under the plan.
  • Designating Your Beneficiary

    You can designate your beneficiaries during the enrollment process and maintain your beneficiaries online once your coverage is issued by clicking on "My Account" at the top right corner of your screen.

    If the listed beneficiary is a trustee or a trust, you will need to enter the trustee's name, the name of the trust and the date of the trust agreement. The trust document must be presented in order for the claim to be processed.

  • Apply Today

    You can Enroll For Accidental Death & Dismemberment Insurance Online by using the "Enroll Online" button. Or, you can Complete An Enrollment Application and submit to NYL GBS.
  • How Do I Pay My Premiums?

    You pay your premiums through payroll deduction. The total depends on how much coverage you select.
  • How Your Claims Are Paid

    Claim forms can be obtained online under the Forms section below or by calling the toll-free number listed on the 'Contact Us' page.


Enroll online by clicking on the “Enroll Online” link under Option 1 above; this will speed up your enrollment process.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing. Click here to download a free copy of Adobe Acrobat Reader.

Enrollment Applications

If you submit your enrollment application via a paper form, we will enter it into the NYL GBS Benefits Guide website so you can view it online through My Account.

Enrollment Application

Beneficiary Form

If you submit your beneficiary designation via a paper form, we will enter it into the NYL GBS Benefits Guide website so you can view it online through My Account.

Beneficiary Designation Form - Voluntary

Change Forms

Voluntary Accidental Death & Dismemberment (AD&D) Insurance Change Form

Claim Forms 

The information requested in the forms below is required for us to begin reviewing your claim. It's important that you provide us with complete and accurate information to avoid a delay in the processing of your claim.

Accidental Death & Dismemberment (AD&D) Insurance Claim Form


  • Do I have to complete proof of good health?

    No. You do not need to provide proof of good health regardless of the coverage amount you are applying for.
  • Who can enroll for Accidental Death & Dismemberment (AD&D) insurance?

    You can enroll for yourself, your spouse and eligible dependents.
  • Am I protected in remote areas of the world?

    Yes – NYL GBS Secure Travel can arrange and cover the cost of transportation to get you to a different hospital or medical facility or to be repatriated to your place of residence for treatment. And, in the event of a fatality, we’ll arrange and cover the cost of transporting remains back to the country of origin.
  • How do I designate a beneficiary?

    You can designate or change your beneficiary when you enroll for Accidental Death & Dismemberment Insurance online or you can complete a beneficiary designation form by going to the Forms section above, download and submit to New York Life Group Benefit Solutions. Once you have enrolled for Accidental Death & Dismemberment insurance, you can view and update your beneficiary online through My Account at the top right corner of this page.
  • Are there any other programs I should know about?

    Yes. Our AD&D insurance plan includes many value-added programs, offered at no additional cost, to help you and your family maintain your health, well-being and sense of security throughout your lifetime. To see which programs are available to you select "Value-Added Programs" from the menu above.