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Accidental death and dismemberment insurance (ADD)

If you are injured or die because of an accident, you may be eligible for certain benefits from basic and optional life insurance.


In the event you are injured or die as a result of an accident while insured for life insurance, there are benefits for the following losses:

  • Life
  • Hands, Feet, Eyes
  • Speech and/or Hearing
  • Thumb and Index Finger of the Same Hand
  • Quadriplegia
  • Paraplegia
  • Hemiplegia
  • Coma
  • Brain Damage
  • Added benefits for loss of life while using an airbag or seat belt

GIC Retired Municipal Teachers with basic life insurance of $1,000 do not have accidental death & dismemberment benefits.

Accelerated death benefit

This one-time benefit allows you to elect an advance payment of 25% to 80% of your life insurance death benefit if you have been diagnosed with a terminal illness. Insured employees are eligible for this benefit if the attending physician provides satisfactory evidence that you have a life expectancy of 12 months or less. Upon payment of the accelerated death benefit, future life insurance premiums are waived, regardless of your age. The remaining balance is paid to your beneficiary when you die.

Additional Resources for Accelerated death benefit