Breadcrumb Navigation:

Human Resources > Benefits > Current Page

Accidental Death and Dismemberment Insurance (AD&D)

help button.  click this to display help form

Ask a question

Name: Your email: Question:

Plan Options

The NCFlex Accidental Death & Dismemberment Plan pays a benefit if a participant suffers a loss as the result of a covered accident.  It also pays if the participant suffers certain disabling injuries.  The coverage is effective on or off the job, 24 hours a day, 7 days a week.  The plan offers 12 coverage levels as indicated by varying dollar amounts of benefits. 

See more plan details at NCFlex Accidental Death & Dismemberment Plan

Eligibility

Regular (non-temp) SPA/EPA employees who work between 20 hours per week (.5 FTE) and 40 hours per week (1.0 FTE) 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
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. 

Coverage begins the first of the month following your hire/start date or qualified life event.

Accidental Death & Dismemberment Insurance Premiums


Principal Sum Coverage Level

Employee
Monthly Rate

Employee + Family
Monthly Rate

$50,000

$.96

$1.50

$75,000

$1.42

$2.26

$100,000

$1.90

$3.00

$125,000

$2.38

$3.74

$150,000

$2.86

$4.50

$175,000

$3.32

$5.26

$200,000

$3.80

$6.00

$250,000

$4.76

$7.50

$300,000

$5.70

$9.00

$350,000

$6.64

$10.50

$400,000

$7.60

$12.00

$500,000

$9.50

$15.00

Enrollment

Employees can choose from two coverage levels: (NCFlex Accidental Death & Dismemberment Plan)

  • Employee Only
  • Employee + Family (may be employee + spouse, employee + children or employee + family)

Enrollment is done through the State’s NCFlex Online System at www.ncflexonline.org.  You will need to click on the "Register" button to begin your enrollment process if enrolling in NCFlex Benefits for the first time.  If already enrolled in other NCFlex plans, simply log-in with the user ID and password previously established.  The NCFlex Online System is administered by the State of North Carolina and is not connected to NCSU’s Unity ID system. 

Coverage Changes

Coverage changes can only be made during annual enrollment (typically October of each year) or within 30 days of a qualified life event (death, birth, marriage, loss of coverage, etc.).  Changes are done through the State’s NCFlex Online System at www.ncflexonline.org.  Simply log-in with the user ID and password previously established.  The NCFlex Online System is administered by the State of North Carolina and is not connected to NCSU’s Unity ID system.  Once logged in, click on My Account in the upper right corner.  Next click on Add Life Status Change Event.  Use the drop down menu to select your qualified life event.  This will allow you to make changes to your NCFlex plans.

Last Edited: July 19th, 2013