Accidental Death & Dismemberment

No Cost Insurance for PEF Members

Accidents happen all the time and can occur anywhere. You can’t always prevent them, but you can make sure you have the protection you need. The PEF Membership Benefits Program sponsors Accidental Death and Dismemberment (AD&D) Insurance from Sun Life. Accidental Death and Dismemberment insurance provides extra financial protection if you suffer from a covered accidental injury or accidental death.

How it works

If you are an active, dues-paying PEF member you are automatically covered for $15,000 of AD&D insurance at no cost to you. You will receive a payment if you suffer a covered accidental injury or an accidental death.

Key features of AD&D

  • Accidental Death and Dismemberment insurance coverage provides a $15,000 benefit payable if your death occurs as a direct result of a covered accidental bodily injury sustained while insured, provided death occurs within 365 days of the accident.
  • If a covered accident results in your death, your beneficiary will receive 100% of your AD&D coverage amount.
  • Receive up to a maximum of 100% of your AD&D coverage amount for losses resulting from one accident.
  • Use the benefit to pay for injury-related expenses or to help replace lost income.

Disappearance feature of AD&D

Disappearance presumes that a covered person is dead if the covered person disappears as a result of an accidental wrecking, sinking, or disappearance of a conveyance in which the covered person was known to be a passenger and if the body isn’t found within 365 days after the date of the conveyance’s disappearance.

Plan ahead to protect what you love if a serious accident puts at risk what matters most to you.

Contact the PEF Membership Benefits Program to learn more about this no cost AD&D insurance. Call (518) 785-1900, ext. 243, or (800) 767-1840.

View the policy

AD&D beneficiary designation form

As a PEF member you are automatically covered for $15,000 of AD&D insurance at no cost to you. Complete the Beneficiary Designation form to provide that insurance coverage to a beneficiary of your choosing.

Complete and return the Beneficiary Designation for to:

PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205

Footnotes, Additional Details & Disclaimers

Important: The above information is intended to provide an explanation of the general purposes of the insurance described, but it does not form a part of the group insurance policy. If any of the terms of the brochure or certificate differ from the group insurance policy, the policy will govern. Limitations and Exclusions apply. Please see the brochure for additional information.

For NY consumers: Receipt of Accelerated Death Benefits may affect eligibility for public assistance programs and may be taxable.

This product web page is intended to provide an overview of the benefits available from the PEF Membership Benefits Program and is not a complete description of plan provisions. Review of this product web page does not certify eligibility for benefits under this plan. For complete plan details, including limitations and exclusions that may affect benefits, please refer to your certificate.

In New York, group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 13-GP-LF-01, 13-LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GP-A, GC-A, 12-LF-C-01, 12-GP-SD-01, 13-SD-C-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-LTD-P-01, 12-ACPort-C-01, and 13-SDPort-C-01.

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