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Understanding Accidental Death and Dismemberment Insurance

Osterhout Berger Daley > Practice Areas > Understanding Accidental Death and Dismemberment Insurance

Accidental Death and Dismemberment (AD&D) insurance is a supplemental life insurance policy that provides coverage in the event of a death resulting from an accident or the loss of a limb or essential function, such as sight, hearing, or speech, due to an accident. It is often purchased in conjunction with standard life insurance policies to offer additional protection.


Filing an AD&D Claim: What You Need to Know

When submitting an AD&D claim, it’s crucial to provide specific documentation, including medical records and employment documents. These policies often feature narrow terms and are worded in ways that give insurance companies multiple reasons to deny claims.


How Osterhout Berger Daley Can Help

If your claim has been denied or you’re experiencing an unreasonable delay, dealing with it alone can be both upsetting and disheartening. Osterhout Berger Daley is here to support you and ensure that insurance carriers do not unfairly apply narrow definitions to your claim. Our goal is to help you obtain the benefits you deserve.

Our experienced team at Osterhout Berger Daley can assist you with all aspects of your AD&D claim, including:

  • Explaining your policy and your rights
  • Assisting with filing a claim
  • Preparing a thorough and well-supported appeal if your claim is denied
  • Representing you in a lawsuit if necessary


Common Questions About AD&D Claims

What qualifies as an accidental death or dismemberment?

Accidental death is a death that occurs as a direct result of an accident, rather than a natural cause or illness. Dismemberment refers to the loss of a limb or an essential function (e.g., sight, hearing, or speech) due to an accident. To qualify for benefits under an AD&D policy, the accident must be the direct cause of the injury or death, and the injury or death must occur within a specified period (usually 90 days) from the date of the accident.

How long do I have to file a claim?

The time limit for filing an AD&D claim varies depending on the specific terms of your policy. Generally, you should file a claim as soon as possible after the accident. Many policies require that you submit a claim within a certain timeframe, such as 30, 60, or 90 days from the date of the accident or the date of death. It’s essential to review your policy’s terms and conditions to understand the deadlines you must meet.

What evidence is needed to support my claim?

To support your AD&D claim, you will typically need to provide specific documentation that proves the accident caused the injury or death and that the loss meets the policy’s criteria. This documentation may include:

  • Medical records detailing the nature and extent of the injuries
  • A death certificate (if applicable), which specifies the cause of death
  • Police or accident reports describing the circumstances of the accident
  • Witness statements corroborating the events that led to the injury or death
  • Employment documents (if the policy is provided through your employer)

It’s crucial to gather this evidence promptly and submit it with your claim to give your case the best chance of success.


Contact Osterhout Berger Daley Today

Don’t hesitate to reach out to Osterhout Berger Daley to discuss your legal options. Our team is ready to help you navigate the complexities of AD&D claims and appeals, ensuring you receive the benefits you’re entitled to. Contact us today to get started on your path to success.

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