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Voluntary AD&D

In addition to the AD&D Insurance provided by Gallagher, you can purchase Voluntary AD&D Insurance coverage to meet your personal needs.

Eligibility & Enrollment

Voluntary coverage is available to all regular full-time employees, their spouses and dependent children up to age 26. You will be able to enroll in Voluntary AD&D Insurance on the Prudential website during your new hire enrollment window, during the fall Annual Enrollment or in conjunction with a qualified life event. To access the Prudential site, click here.

How it Works

You can choose to purchase Voluntary AD&D insurance to supplement your company-provided AD&D insurance and/or to replace any other personal policies you may hold. You can purchase coverage for yourself, and/or your spouse and eligible dependents. These policies are offered by Prudential.

Coverage is available in units of $10,000, up to $1 million. Age-based reductions apply.

Dependent coverage:

  • Spouse or eligible domestic partner: 60% of your coverage amount up to $600,000
  • Children: 20% of your coverage amount up to $70,000

Provider details

Transition Timeline

View key milestones and dates so you can plan ahead with confidence.