AD&D insurance and group life riders in North Carolina

What AD&D covers for NC employees

AD&D insurance NC plans pay an additional benefit for accidental death and scheduled amounts for specific losses such as loss of limb or sight. Many basic group life policies include AD&D equal to the life amount, while others offer it as an optional rider. For teams in Charlotte and around Lake Norman, AD&D can add meaningful protection at a low cost, especially for employees who travel between sites in Mecklenburg and Iredell counties. Security Plus Inc. confirms whether AD&D is included and explains claim scenarios during enrollment meetings.

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Dependent life options for families

Dependent life coverage extends protection to spouses and children. Employers may provide a small flat benefit or allow employees to elect spouse and child amounts as a voluntary add on. Spouse coverage often requires evidence of insurability above a set limit, while child coverage is typically guaranteed up to a modest amount. We align dependent benefits with your medical, dental and vision plans so families in Cornelius, Huntersville and Davidson see a cohesive package. For a refresher on overall plan structure, visit the group life overview page and then return to finalize riders.

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Waiver of premium rider

The waiver of premium rider keeps life coverage in force without premium when an employee becomes totally disabled and meets contract requirements. This feature helps protect long term employees who can no longer work. Security Plus Inc. clarifies eligibility ages, proof periods and review schedules so HR teams communicate consistently across Charlotte and the Lake Norman region.

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Accelerated death benefit

Many group life policies allow an insured who is terminally ill to access a portion of the benefit while living. This accelerated death benefit can help with medical or household costs and is usually capped at a percentage of the face amount. We explain how to request an advance, what documentation the carrier needs and how the remaining benefit is paid to beneficiaries.

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Other features employers should know

Plans may include education benefits for dependents after an accidental death, seatbelt or airbag enhancements for auto accidents and repatriation assistance for certain travel situations. Portability and conversion provisions interact with these riders, so it helps to understand eligibility and deadlines together. For details on employee classes, waiting periods and keeping coverage after employment, review eligibility and classes before finalizing your rider choices.

FAQs about AD&D and riders

  • Is AD&D the same as life insurance?

    No. Life insurance pays for death from most causes. AD&D only pays for covered accidents and scheduled injuries.

  • Do I need AD&D if I already have life?

    It is an inexpensive way to add accident specific benefits. Many employers include it automatically with basic life.

  • Can employees add spouse coverage any time?

    They can add coverage during open enrollment or after a qualifying life event. Amounts above guaranteed limits may require health questions.

  • How do riders affect portability or conversion?

    AD&D does not usually continue after employment ends. Portability or conversion applies to the life benefit. We outline the exact options in exit packets for your team.

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