Saint Louis University

Accidental Death and Dismemberment Insurance

Provides insurance protection if your death is the result of an accident. AD&D also provides benefits for the accidental loss of hands, feet, eyesight, speech or hearing. (The AD&D policy will not pay benefits for accidents where the covered individual was flying as a member of an aircraft crew or riding in a University owned, leased or operated aircraft). The Accidental Death and Dismemberment (AD&D) is insured by AIG. A description of the benefits and employee contributions are listed below. View the complete Summary Plan Description.

Base Plan: The component of the AD&D Program provides a benefit in the amount of one times the covered employee's base annual salary up to a maximum of $600,000. Saint Louis University pays the entire premium for the base plan.

Optional Coverage: You may select optional levels of AD&D insurance in units of $10,000 up to $500,000 on your life, at a cost to you. The cost is $.021 per month for each $10,000 selected. (AD&D amounts over $150,000 cannot be more than 10 times your annual salary).

Dependent Coverage

Family AD&D coverage is also available at $.032 per month for each $10,000 selected (including employee coverage). The plan includes coverage for your spouse at 40 percent of your selected benefit and ten percent for each eligible child. If you have a spouse and no children, the spouse's benefit is increased to 50 percent or one half of your selected benefit. If you have children and no spouse, the benefit is 15 percent per eligible child.


  • "Beneficiary" means a person or entity, such as a trust or estate, chosen to receive the insurance benefits
  • You may change Beneficiaries at any time by completing a new Symetra Beneficiary Designation Form and submitting it to the Benefits office.

Changing Accidental Death & Dismemberment Plan

  • You may increase or decrease your amount of insurance at any time by completing a new Symetra Benefits Enrollment Form.
  • Return the completed forms to the Benefits office or fax to 314-977-1785.
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