AD&D provisions (employee only)
AD&D provisions
| Benefit |
Loss |
Benefit |
| Education benefit |
Death |
Actual expense to a maximum of $5,000 or 5 percent of death benefit per child per year. Payable up to four years for employee’s dependent children or until age 25. Dependent must be a full-time student beyond 12th grade at a college, university or vocational school on the date of the employee’s death or within 365 days after the death. |
| Childcare benefit |
Death |
Actual expense to a maximum of $5,000 or 5 percent of death benefit per child per year. After the employee’s death, payable up to five consecutive years for employee’s dependent children in a licensed childcare center, or until the child’s 13th birthday. |
| Spouse training benefit |
Death |
Actual expense to a maximum of $5,000 or 5 percent of death benefit for one year after the employee’s death. Survivor must be enrolled as a student in an accredited school on the date of the employee’s death or within 365 days after the death. |
| Repatriation benefit |
Death |
Actual expenses to a maximum of $5,000 if employee dies as a result of an accidental death at least 150 miles from his/her principal place of resident, and there are expenses for preparing and transporting the employee’s body to a mortuary. |
| Coma benefit |
Employee is in a coma caused by a body injury; the coma begins within 365 days after the accident; and the person remains in a coma for more than 31 consecutive days. |
Actual expense to a maximum of $5,000 or 5 percent of death benefit. |
In Maryland, these benefits not available: seat belt-airbag-helmet education, childcare, spouse training, coma, and repatriation.
