Accidental Death and Dismemberment Insurance Plan
The Accidental Death and Dismemberment (AD&D) Insurance Plan, administered by Voya Financial, can pay a benefit if an employee suffers a loss as the result of a covered accident while insured under the plan. It also pays a benefit if an employee suffers certain disabling injuries while covered. The plan includes two levels, Core and Voluntary. See below for plan comparisons and information, or visit the NCFlex website for complete details.
Eligibility
Faculty and staff (non-temp) who work 20 hours per week (.5 FTE) or greater, on a 9 month or greater recurring contract, are eligible to enroll in the this plan. Employees pay full cost for employee coverage in addition to any dependent coverage selected.
Effective Dates of Coverage
Employees must enroll within 30 days of their hire date or within 30 days of a qualified life event. Evidence of Insurability may apply outside of the newly hired initial 30-day eligibility period.
Start of Coverage
Coverage begins the first of the month following your hire/start date or event date.
End of Coverage
Coverage will end on the last day of the month in which your employment ends. For example, if your last day of work is March 20, your coverage would end on March 31.
Core AD&D Plan Information
The Core AD&D plan is a $10,000 benefit that is available at no cost to all employees eligible for NCFlex. Emergency travel services are also available. Employees must enroll as a new hire or during annual enrollment. The benefit is at no cost, but eligible employees must enroll to receive the coverage.
Get more information on the NCFlex website.
Voluntary AD&D Plan Information
Employees may enroll in voluntary AD&D for themselves and eligible dependents. Benefit amounts range from $50,000 up to $500,000 at $50,000 increments. Emergency travel services are also available.
Employees can choose from two coverage levels:
- Employee Only
- Employee + Family
Get more information on the NCFlex website.
Premiums and Enrollment
Visit the NCFlex website to view current rates for AD&D premiums.
Enrollment is done through the NCFlex online enrollment system, via MyPack portal. Visit HRNow for detailed enrollment instructions.
Accidental Death and Dismemberment Insurance
Eligible NC State employees have access to two AD&D plans, Core and Voluntary.