Accidental Death and Dismemberment (AD&D) Insurance 

Additional financial protection for covered accidents 

A serious injury or death can be catastrophic to a family—and the unexpected expenses that may arise can add to the stress. New York Life Group Benefit Solutions (NYL GBS), provides support to you and your employees during these life-changing events. Including NYL GBS Accidental Death and Dismemberment (AD&D) insurance on an employer- or employee-paid basis in your comprehensive benefits strategy helps employees stay financially protected and better prepared.


How it Works for Your Employees

  • Payment provided in the case of a serious injury or death due to a covered accident and living benefits for non-fatal catastrophic injuries.
  • Benefits paid can help with unexpected expenses not covered by other insurance benefits (like life, disability, health, or workers’ compensation). Unexpected costs may include home and vehicle modification, physical therapy and rehabilitation, spouse job training, and childcare.
  • Substantial guaranteed-issue coverage is offered, with no medical questions or exam requirements for employees.

Educational Resources

 

Group Insurance Resources for Employees

Our value-added programsoffer everyday help and support. They're included with the policy when your employees and their families enroll in NYL GBS AD&D insurance. These include:

NYL GBS Secure Travel2


A comprehensive worldwide travel assistance program that includes pre-trip planning and emergency assistance to covered persons while traveling 100 miles or more from home.

NYL GBS Life Assistance Program (LAP)3

 

Offers phone consultation, counseling referrals, online work/life support, and community services for many of life's challenges. LAP is available to your employees; their household members and beneficiaries receive claim payments under NYL GBS Survivor Assurance5.

My Secure Advantage (MSA)4


A full-service financial wellness program that offers solutions to all types of personal financial needs. The program includes access to "money coaching" from experienced financial experts; identity theft resolution and protection; online will preparation; legal consultation referrals and discounts; educational webinars; access to a library of articles, tools, forms, and tips; and more. MSA is available to your employees; their household members and beneficiaries receive claim payments under NYL GBS Survivor Assurance5.

NYL GBS Survivor Assurance5

Includes an interest-bearing account for beneficiary payments of $5,000 or more. Beneficiaries receive access to the Life Assistance Program3 and My Secure Advantage4.

Learn more about how we can help provide the additional protection your employees may need.

Contact your producer or connect with a New York Life Group Benefit Solutions sales representative to learn more about how we can work together.

Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description, and are subject to change. Program availability may vary by plan type and location, and are not available where prohibited by law.

2NYL GBS Secure Travel is provided under a contract with Generali Global Assistance (GGA). Neither GGA nor New York Life Group Benefit Solutions guarantees the quality of any medical services provider or medical facility. The final selection of a local medical provider or facility is the covered person’s right and responsibility. The medical professionals or attorneys suggested or designated by GGA are solely responsible for their services. They are not employees or agents of GGA or New York Life Group Benefit Solutions. Emergency evacuation and repatriation benefits are insured by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company. Policy Forms: GA-00-1000 et al.; BA-01-1000 et al.  All other services are provided by GGA and are subject to the terms of the service agreement with GGA. Presented here are highlights of the NYL GBS Secure Travel program. See the plan documents for details. Generali Global Assistance is not affiliated with New York Life Insurance Company. 

3These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Employee assistance services are provided by or through Cigna Behavioral Health, Inc. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are not available under policies issued by New York Life Group Insurance Company of NY.

4My Secure Advantage is NOT insurance and does not provide reimbursement for financial losses. Program is provided through a third-party vendor who is solely responsible for their products and services. Program is not available under policies issued by New York Life Group Insurance Company of NY.

5NYL GBS Survivor Assurance is available to beneficiaries receiving Life or AD&D insurance proceeds of $5,000 or greater from the Life Insurance Company of North America or the New York Life Group Insurance Company of NY. NYL GBS Survivor Assurance accounts are not deposit account programs and are not insured by the Federal Deposit Insurance Corporation or any other federal agency. Behavioral counseling, legal or financial counseling and discount programs are not available under policies issued by the New York Life Group Insurance Company of NY.

New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company.

Life Insurance Company of North America is not licensed in New York and does not conduct insurance business in New York.

This material and page are not intended for use by residents of New Mexico.