Basic Accidental Death and Dismemberment (AD&D) Insurance

Basic AD&D insurance provides additional benefits to employees if they were to die or suffer dismemberment in an accident while employed by Leidos in an eligible fringe package.

How it Works
Additional Benefits
Limitations and Exclusions

How Basic AD&D Insurance Works

Eligible employees automatically receive coverage equal to one times their annual compensation, rounded to the next higher $1,000. This is known as the "principal sum." The maximum Basic AD&D Insurance benefit is $250,000.

Leidos pays the full cost of Basic AD&D Insurance. Additional information can be found in the Evidence of Coverage section.

"Annual compensation" means an employee's annual wage or salary as reported by his or her employer for the work performed as of the date of loss. It does not include earnings received as bonuses, overtime pay or other extra compensation.

Employees Ages 70+

When an employee reaches age 70, the Basic AD&D Insurance benefit amount - or principal sum - will be reduced by 35%.

In the event of an employee's death, benefits will be paid to the employee's beneficiary. If an employee accidentally suffers dismemberment, the benefits will be paid directly to the employee. The chart below shows the benefit payments under the Basic AD&D Insurance plan:

  • Life
  • Two or more members
  • Both upper and lower limbs (quadriplegia)**
  • Speech and hearing in both ears

100% of the principal sum

  • One member
  • Both lower limbs (paraplegia)**
  • Upper and lower limbs on one side of the body (hemiplegia)**
  • Speech
  • Hearing in both ears

50% of the principal sum

  • Thumb and index finger of the same hand
  • All four fingers of the same hand
  • Hearing in one ear

25% of the principal sum

* An employee's loss must occur within 365 days of the date of the accident. "Member" means hand, foot or eye. "Loss of a hand or foot" means complete severance through or above the wrist or ankle joint. "Loss of sight" means total, permanent and irrevocable loss by natural, surgical or artificial means. "Loss of speech" means total, permanent and irrevocable 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).

** These injuries - or paralyses - mean the loss of use, without severance, of a limb. Such a loss must be determined by a doctor to be complete and not reversible.

Additional Benefits

Basic AD&D Insurance also pays additional benefits, including:

  • Monthly Coma Benefit — If an employee is in a coma for at least 31 consecutive days as a result of an accident, a monthly coma benefit of 1% of the principal sum will be paid. This benefit will be paid until the employee's recovery, the 11th month of payment, or the employee's death, whichever is earliest.

    If the employee dies while in a coma or remains comatose after 11 months of benefit payments, the plan will pay a lump sum to the employee's beneficiary equal to the principal sum minus any amounts paid for covered losses or paralysis.

  • Seat Belt(s) and Airbag Benefit — If an employee dies as a direct result of injuries sustained in a covered accident while driving or riding in an automobile and he or she was wearing a seat belt, CIGNA will pay a seat belt benefit to the designated beneficiary. The seat belt benefit will be at least $1,000, to a maximum of 10% of the employee's benefit or $25,000, whichever is less. An employee's beneficiary will receive the seat belt benefit if:
    • The automobile the employee was driving/riding in was equipped with seat belts;
    • The seat belt(s) was in actual use and properly fastened at the time of the covered accident; and
    • The position of the seat belt(s) was certified in the official report of the covered accident or by the investigating officer. A copy of the police accident report must be submitted with the claim. If certification is not available but it is clear that the employee was properly wearing a seat belt, CIGNA will pay the additional benefit. If, however, certification is not available and it is not certain that the employee was wearing a seat belt, then the benefit will be fixed at $1,000.

    Additionally, CIGNA will pay an additional 5% of the employee's benefit, to a maximum of $12,500, if a seat belt benefit is payable to him or her, and he or she was positioned in a seat that was protected by a properly functioning, original, factory-installed supplemental restraint system (airbag) that inflates on impact.

    Verification of the proper inflation of the supplemental restraint system at the time of impact must be part of the official accident report or be certified, in writing, by the investigating officers.

    "Automobile" means a self-propelled, private passenger motor vehicle with four or more wheels that is of a type both designed and required to be licensed for use on the highway of any state or country. Automobiles include but are not limited to sedans, station wagons, sport utility vehicles, Jeeps, pickups, vans, campers or motor homes. Automobiles do not include mobile homes or motor vehicles used for mass or public transportation.

    No benefit will be paid if the accident causing the employee's death occurred as a result of participation in a race, or a speed or endurance test.

  • Exposure and Disappearance Benefits — If an employee is unavoidably exposed to the elements as a result of an accident, and because of exposure suffers a loss for which a benefit is otherwise payable, he or she will receive 100% of the principal sum.

    If an employee was riding in a vehicle which has disappeared, wrecked or sunk and has not been found within one year from the date of the disappearance, wreckage or sinking, it will be presumed the employee has sustained loss of life as a result of injury, provided the vehicle's disappearance, wreckage or sinking occurred under circumstances that would otherwise be covered.

  • Terrorism Benefits — If an employee suffers a loss of life or dismemberment due to an act or acts of terrorism, and such loss occurs within 365 days of the act(s) of terrorism, benefits are payable. For more information about these benefits and any provisions, refer to the plan's certificate of coverage.

    Terrorism benefits do not apply if the loss is caused by or results from nuclear radiation or the release of nuclear energy.

    "Act of terrorism" refers to a hostile or violent act carried out by a group of persons having political, military or territorial goals, but who are not operating on behalf of a sovereign state. Their purpose is to compel an act or omission by any other person or any government entity.

  • War Risk Benefits — If an employee suffers a loss of life or dismemberment due to war or an act of war, whether declared or undeclared, and such loss occurs within 365 days of the covered accident, benefits are payable. For more information about these benefits and any provisions, refer to the plan's certificate of coverage.

    War risk benefits do not apply if the loss occurs in the United States or in any nation in which the employee is a citizen.

  • CIGNA Secure Travel Worldwide Assistance — While traveling, if an employee experiences an unforeseen medical emergency that requires him or her to be evacuated to a medical facility for treatment, Worldwide Assistance will arrange and cover, when deemed necessary by a Worldwide Assistance-designated physician, for transportation to the nearest medical facility that can properly treat the condition.

    In the event an employee should die while traveling, Worldwide Assistance will arrange for all necessary government authorizations and will cover payment for the return of the employee's remains to his or her place of residence for burial.

Limitations and Exclusions

Basic AD&D Insurance will not pay benefits for death or dismemberment resulting directly or indirectly from:

  • Intentionally self-inflicted injury, or any such attempt, while sane or insane;
  • Voluntary ingestion of any narcotic, drug, poison, gas or fumes not prescribed by, and taken according to the directions of, a doctor (where applicable) — accidental ingestion of a poisonous substance is not excluded;
  • War or an act of war whether declared or undeclared or while serving on full-time active duty in any armed forces (reserves or National Guard active duty for training is not excluded unless it extends beyond 31 days);
  • Travel or flight in (including getting in or out of, on or off) any aircraft device that can fly above the earth's surface, if:
    • The aircraft or device is being used:
      • For crop dusting, spraying or seeding; giving and receiving flying instruction; firefighting; skywriting; 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); or
      • By or for any military authority (aircraft flown by the U.S. Military Airlift Command (MAC) or similar service of another country are not excluded); or
      • For travel, or is designed for travel, beyond the earth's atmosphere; or
      • By or for Leidos (this applies whether the aircraft or device is owned, leased, operated or controlled by the participant or Leidos); or
    • The employee is:
      • Serving as pilot or crew member (or a student taking a flying lesson) and is not riding as a passenger;
      • Hang-gliding; or
      • Parachuting, except when necessary for self-preservation;
  • Commission or attempt to commit a felony or assault by the employee;
  • Commission of or active participation in a riot or insurrection; and
  • Sickness, disease, bodily or mental infirmity, or medical or surgical treatment of a bacterial or viral infection, regardless of how contracted. This does not include bacterial infection that is the natural and foreseeable result of an accidental cut or wound, or accidental food poisoning.

Only one amount, the largest to which the employee is entitled, will be payable for all losses resulting from one covered accident.