Accidental Death and Dismemberment Insurance
Accidental death and dismemberment insurance pays a pre-determined amount to your beneficiaries in the event of your death in an accident, for example, in an automobile accident. The insurance pays lesser amounts to you or your beneficiaries for various types of accidental injuries that result in the loss of limbs, speech or hearing. USC pays for $10,000 in basic accident coverage for benefits-eligible employees and $100,000 of basic coverage for benefits-eligible employees traveling on an authorized university business trip, commuting to or from their university job, or while working at a USC facility. Included with this USC-provided basic coverage is the AXA emergency travel assistance program which provides the employee with worldwide medical emergency assistance and other benefits. The travel assistance program covers both business and personal travel.
You may purchase additional coverage for yourself and your eligible dependents. A person insured as an employee may not also be covered as a dependent of another employee. Benefit amounts paid for accidental death or injury to covered dependents are a percentage of the insured employee's coverage. Benefit payments progressively decline for employees over age 70 and their covered dependents.
Who's eligible?
- Full-time and part-time staff
- Full-time faculty
- Part-time faculty (50–99% appointment)
Cost
No cost to benefits-eligible employees for the $10,000 in basic accident coverage, $100,000 basic business travel accident insurance, and the AXA emergency travel assistance program.
For participants in Plan C, USC pays for $100,000 of accidental death and dismemberment insurance coverage for the employee and his or her enrolled family members and for the AXA emergency travel assistance program for the employee and enrolled family members.
The cost of additional insurance coverage for you and your family is shown below. Coverage is offered in $25,000 increments up to $500,000. Included in the family coverage is the AXA emergency travel assistance program. Policies over $250,000 cannot exceed ten times base pay.
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| Coverage |
Rate per $1,000 coverage per month
(Payroll pretax dollars)* |
| Employee |
$ .015 |
| Employee and family |
$ .023 |
| *Coverage is offered in $25,000 increments |
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| If dependent insurance coverage includes |
Benefit amounts as a percentage of employee's insurance coverage |
| Spouse or registered domestic partner and eligible children |
50% for spouse or registered domestic partner; 20% for each child |
| Spouse or registered domestic partner only |
60% for spouse or registered domestic partner |
| Eligible children only |
25% for each child, up to a maximum of $75,000 |
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What do I need to do?
The USC-paid accident insurance for eligible employees is automatic. However, you do need to designate a beneficiary and periodically review that designation. Forms to enroll in supplemental accidental death and dismemberment insurance are available online or through your benefits office. If you're eligible for Plan C, you must enroll in Plan C within 60 days of hire or during open enrollment.
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| Enroll |
Coverage starts |
Change or cancel |
| Within 60 days of hire |
USC-paid coverage begins on first day of employment; employee-purchased coverage begins the first of the month after enrollment |
During open enrollment or within 30 days of status changes |
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When can I make changes?
You can add or delete dependents or increase or decrease the amount of insurance during open enrollment or within 30 days of a status change. You can change your beneficiary at anytime. In California (or other community property states), designating a beneficiary other than your spouse or registered domestic partner requires his or her consent.
Questions?
For more information, contact your benefits office. Brochures about the accident insurance, including the schedule of benefit payments for dismemberment, are available.
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