Accidental Death and Dismemberment (AD&D) Insurance
Additional financial protection for covered accidents
A serious injury or death can be catastrophic to a family—and the unexpected expenses that may arise can add to the stress. New York Life Group Benefit Solutions (NYL GBS), provides support to you and your employees during these life-changing events. Including NYL GBS Accidental Death and Dismemberment (AD&D) insurance on an employer- or employee-paid basis in your comprehensive benefits strategy helps employees stay financially protected and better prepared.
How it Works for Your Employees
- Payment provided in the case of a serious injury or death due to a covered accident and living benefits for non-fatal catastrophic injuries.
- Benefits paid can help with unexpected expenses not covered by other insurance benefits (like life, disability, health, or workers’ compensation). Unexpected costs may include home and vehicle modification, physical therapy and rehabilitation, spouse job training, and childcare.
- Substantial guaranteed-issue coverage is offered, with no medical questions or exam requirements for employees.
Educational Resources
Build strong employee connections with enriched value-add resources.1
NYL GBS Secure Travel²
A comprehensive worldwide travel assistance program that includes pre-trip planning and emergency assistance to covered persons while traveling 100 miles or more from home.
Employee Assistance and Wellness Support³
Our program offers three face-to-face counseling sessions with certified clinicians as well as up to five resiliency coaching sessions from a certified counselor. We also offer Critical Incidence support for your employees. Additional resources include wellness articles, podcasts, videos, and much more. All services are available 24 hours a day, seven days a week.
Financial, Legal, Estate Support³
Provides unlimited consultations for financial planning and legal support from certified professionals to help with debt management, credit issues, tax consulting, legal documents, and more. Assistance also includes identity-theft support with legal specialists and fraud-resolution services, interactive online tools, calculators.
NYL GBS Survivor Assurance4
Includes an interest-bearing account for beneficiary payments of $5,000 or more. Beneficiaries receive access to the Employee Assistance & Wellness Support and Financial, Legal, Estate Support programs.
Learn more about how we can help provide the additional protection your employees may need.
Contact your producer or connect with a New York Life Group Benefit Solutions sales representative to learn more about how we can work together.
1These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Not available for policies issued by New York Life Group Insurance Company of NY. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description and are subject to change. Program availability may vary by plan type and location and are not available where prohibited by law.
2NYL GBS Secure Travel is provided under a contract with Generali Global Assistance (GGA). Neither GGA nor New York Life Group Benefit Solutions guarantees the quality of any medical services provider or medical facility. The final selection of a local medical provider or facility is the covered person’s right and responsibility. The medical professionals or attorneys suggested or designated by GGA are solely responsible for their services. They are not employees or agents of GGA or New York Life Group Benefit Solutions. Emergency evacuation and repatriation benefits are insured by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company. Policy Forms: GA-00-1000 et al.; BA-01-1000 et al. All other services are provided by GGA and are subject to the terms of the service agreement with GGA. Presented here are highlights of the NYL GBS Secure Travel program. See the plan documents for details. Generali Global Assistance is not affiliated with New York Life Insurance Company.
3These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Some services are available at the option of the employer for an additional cost. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description and are subject to change. Program availability may vary by plan type and location and are not available where prohibited by law. These programs are not available under policies issued by New York Life Group Insurance Company of NY. Services are provided exclusively by ComPsych® effective January 1, 2023. ComPsych is solely responsible for its services and is not affiliated with New York Life Insurance Company or any of its affiliates.
4NYL GBS Survivor Assurance is available to beneficiaries receiving Life or AD&D insurance proceeds of $5,000 or greater from the Life Insurance Company of North America or the New York Life Group Insurance Company of NY. NYL GBS Survivor Assurance accounts are not deposit account programs and are not insured by the Federal Deposit Insurance Corporation or any other federal agency. Behavioral counseling, legal or financial counseling and discount programs are not available under policies issued by the New York Life Group Insurance Company of NY.
New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company.
Life Insurance Company of North America is not licensed in New York and does not conduct insurance business in New York.
This material and page are not intended for use by residents of New Mexico.
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