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Accidental Death & Dismemberment

Below is information regarding the accidental death and dismemberment insurance program.

This insurance program provides a benefit if you suffer a loss as the result of a covered accident while you are insured under the plan. It also pays a benefit if you suffer certain disabling injuries while covered. The coverage is effective 24 hours a day, 365 days a year. It includes accidents on or off the job, while traveling by car, plane, train, boat or any other public or private form of transportation.

The amount you pay depends on the amount of coverage you elect. If you are paid one time per month, the full monthly rate is deducted from your pay check.  If you are paid every two weeks, one half of the monthly rate is deducted from the first two paychecks in the month.  If there is a third bi-weekly paycheck in the month, the premium is not deducted. Click here for current rates.

If you elect the CORE benefit, the Principal Sum provided to you at no cost is $10,000. The State of North Carolina pays the entire cost of this benefit.

If you are a new-hire or become eligible for coverage due to a qualifying life event and enroll in the plan, benefits begin on the first day of the month following your event date. You have 30 calendar days starting from your event date to enroll and coverage begins on the first day of the month following your event date.

The plan year is January through December. Your plan election is “locked in” for the entire calendar year and does not require re-enrollment during open enrollment.  Your elected plan continues from year to year unless you decide to make changes.

If you experience a qualifying life event during the year, you may add or drop dependents but you may not change the plan level (high option, low option). You may change your plan level and drop/add dependents during open enrollment and the changes become effective on January 1.

If you lose eligibility for coverage, terminate employment or retire, your coverage will end on the last day of the month in which the event date occurs.

Plan enrollment and changes are made through ConnectCarolina Self Service (Enroll or Change Benefits).