--- title: "Accidental Death & Dismemberment Insurance: A Smart Benefit" description: Accidental death and dismemberment insurance offers affordable protection for employees after accidents. Learn how it can strengthen your small business benefits package. image: https://blog.axcethr.com/hubfs/accidental-death-and-dismemberment-insurance-_1_%20(1).webp --- - [Client Portal](https://www.axcethr.com/client-services/) - [Employee Login](https://www.axcethr.com/client-services/) [![AxcetHR Solutions Blog](https://blog.axcethr.com/hubfs/AxcetHR2021%20Blog/axcethr_logo_white%20(1).png)](https://www.axcethr.com/) - [About Us](https://www.axcethr.com/about-us/) - [Corporate Philantropy](https://www.axcethr.com/about-us/corporate-philanthropy/) - [Meet the Team](https://www.axcethr.com/about-us/meet-the-team/) - [Values and Culture](https://www.axcethr.com/about-us/values-and-culture/) - [Kansas PEO](https://www.axcethr.com/about-us/kansas-peo/) - [Missouri PEO](https://www.axcethr.com/about-us/missouri-peo/) - [Careers](https://axcethrsolutions.prismhr-hire.com/) - [Why Axcet](https://www.axcethr.com/why-axcet/) - [Why Choose Axcet?](https://www.axcethr.com/why-axcet/) - [About PEOs](https://www.axcethr.com/why-axcet/about-peos/) - 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- - - [whatsapp://send?text=https://blog.axcethr.com/accidental-death-and-dismemberment-insurance](whatsapp://send?text=https://blog.axcethr.com/accidental-death-and-dismemberment-insurance) - [mailto:?subject=Accidental%20Death%20&%20Dismemberment%20Insurance:%20A%20Smart%20Benefit&body=https://blog.axcethr.com/accidental-death-and-dismemberment-insurance](mailto:?subject=Accidental%20Death%20&%20Dismemberment%20Insurance:%20A%20Smart%20Benefit&body=https://blog.axcethr.com/accidental-death-and-dismemberment-insurance) ![HR-Consultant-with-Axcet-HR-Solutions-Discusses-Small-Business-Accidental-Death-and-Dismemberment-In (1)](https://blog.axcethr.com/hs-fs/hubfs/HR-Consultant-with-Axcet-HR-Solutions-Discusses-Small-Business-Accidental-Death-and-Dismemberment-In%20(1).webp?width=1200&height=800&name=HR-Consultant-with-Axcet-HR-Solutions-Discusses-Small-Business-Accidental-Death-and-Dismemberment-In%20(1).webp) As a small to mid-sized business owner or manager, you’re always looking out for your employees’ safety and well-being. But no one—not even you—can protect them from every imaginable accident.  Along with putting strong safety practices and workplace policies into place, you can do right by your employees by providing a financial cushion in the event of an uncontrollable accident. Particularly as a complement to a group life insurance policy, accidental death and dismemberment insurance is a critical financial tool that employers can explore including in their benefits packages.  In this article, we’ll unpack the basics of accidental death and dismemberment insurance for employers. We’ll discuss the difference between accidental death and dismemberment vs life insurance, the cost of coverage, and how you can decide whether to provide this benefit for your employees alongside life insurance coverage.  [![New call-to-action](https://no-cache.hubspot.com/cta/default/2652187/7a156e57-223b-463a-a47b-67655f7a39f9.png)](https://cta-redirect.hubspot.com/cta/redirect/2652187/7a156e57-223b-463a-a47b-67655f7a39f9) ## What Is Accidental Death and Dismemberment Insurance?  Accidental death and dismemberment insurance provides an insured individual or their family with financial benefits in the event of the insured individual’s accidental death or a covered devastating injury.  Suppose an insured individual dies in an accident. In that case, the named beneficiaries on their accidental death and dismemberment insurance policy will receive a lump sum payout, which can be used to help them cover funeral costs and soften the financial burden of losing an income-earning loved one. Suppose an accident occurs that spares the life of the insured individual but causes significant injury, such as permanent paralysis, the loss of a limb or the loss of the individual’s ability to see, hear or speak. In that case, they’ll receive “living benefits.”  RELATED: [Overdose Prevention in the Workplace - The Importance of Naloxone Kits >>](https://blog.axcethr.com/naloxone-kits-a-vital-workplace-tool-for-overdose-prevention) ## Accidental Death and Dismemberment vs. Life Insurance: Do Employees Need Both?  While it’s very common to conflate the two, accidental death and dismemberment vs life insurance serve different purposes for your employees and their loved ones. While life insurance can also provide death benefits to loved ones in the event of an insured individual’s passing and can sometimes be drawn upon during an individual’s life, the two coverage types are very different. As discussed, accidental death and dismemberment insurance provides payouts only in the event of certain accidents.  Either type of policy may be obtained as a standalone coverage option. However, it’s very common for employer-sponsored benefit plans to combine these two coverage types, with accidental death and dismemberment coverage with life insurance as a rider on a life insurance policy. At Axcet HR Solutions, we frequently help employers add an accidental death and dismemberment plan to their group life insurance policy.  RELATED: [Processing Final Paychecks for Deceased Employees >>](https://blog.axcethr.com/how-to-process-payroll-for-deceased-employees)  ## Cost of Accidental Death and Dismemberment Insurance for Small Businesses  While group life insurance premiums are generally thought of as very affordable (and many employers are surprised to find out just how affordable rates are), a key difference between group life insurance and accidental death and dismemberment insurance is cost. Monthly premiums for accidental death and dismemberment insurance are typically shockingly low for the potential value they provide and generally fall between [$4-7](https://www.usatoday.com/money/blueprint/life-insurance/accidental-death-and-dismemberment-insurance/) per month per person.  Fantastic “deals” can be found for employer-sponsored group coverage, and the costs are far less than the typical group term life insurance policy. For this reason, many employers offer accidental death and dismemberment insurance for their employees and will generally pay 100% of the premium.  RELATED: [Is Your Team Remote? You Still Need Workers' Comp for Remote Employees >>](https://blog.axcethr.com/workers-comp-for-remote-employees) ## Should Our Small Business Provide Accidental Death and Dismemberment Insurance?  If your employees work in high-risk positions or fields, such as manufacturing, oil and gas, construction, farming, the operation of heavy machinery, and so on—providing employer-sponsored insurance is par for the course. If your industry employs individuals in high-risk positions, it’s critical to speak with a [small business insurance expert](https://www.axcethr.com/services/employee-benefits/) about obtaining group coverage for your employees. That may include life insurance, accidental death and dismemberment insurance, or both.  Even if your employees don’t face any extraordinary risk in their typical day, providing a combination of benefits, including accidental death and dismemberment insurance, is a solid way to boost your total compensation package and create a financial cushion for your employees. The provision of accidental death and dismemberment insurance in particular sends a strong message to your employees, letting them know just how valued they are. Even if an accident takes them out of work, employer-sponsored coverage shows that you’ve considered how they’ll provide for their families and themselves.  RELATED: [Well-Known Benefits of a PEO Plus 6 Services You Never Knew Existed >>](https://blog.axcethr.com/five-lesser-known-peo-services-that-can-transform-your-business)  ## [![PEO Health Insurance & Employee Benefits](https://no-cache.hubspot.com/cta/default/2652187/interactive-184585319203.png)](https://blog.axcethr.com/hs/cta/wi/redirect?encryptedPayload=AVxigLIUNVbo7GbYJTM7VBT9lwnmUz1TBknst8Vt4WsMedk%2B9t3njeSE%2FP9aSLzIvRWpa0JlCHUl5LDpeZ%2BjtoTQNRqSEVaJlhLVFo%2F6KF9%2BaF4ZXo6hVom6ATQG1iTLHPYcbYIiRGTnQ7oO%2BdXnpYE4tI87fjRWoK9kdjpr8lOqBL5k88QQDKDtisuY5zDohxFN3C8M3gx3coimn64Puj3mPezVECUHBpPNYgKNV3w00bWBm%2B0FHJqT9OsB%2BOhyDNf4vsKM2RzRxAnSmQNZnjjssgai1lFcI3XHUJkrYgFq3zBW5g%3D%3D&webInteractiveContentId=184585319203&portalId=2652187) ## Axcet Is Here to Help You Source and Understand Small Business Insurance Options  Are you interested in exploring insurance options, including [accidental death and dismemberment insurance, life insurance, or health insurance policies](https://www.axcethr.com/services/employee-benefits/)for your organization? If so, sourcing coverage through a [certified professional employer organization](https://blog.axcethr.com/certified-peos-what-are-they-and-why-does-certification-mattereo) is an affordable and comprehensive route.  Axcet HR Solutions is a certified PEO that specializes in helping small to mid-sized businesses source and save on the perfect benefits for their talent base, so they can focus on growing and scaling their core business.  If you’re looking for help choosing the perfect plan(s), lowering your employer-sponsored premium costs, or getting your arms around the compliance of it all, Axcet HR Solutions is here to help. [Schedule a consultation](https://www.axcethr.com/schedule-consultation/) today.  [![PEO small business employee benefits](https://no-cache.hubspot.com/cta/default/2652187/db22d902-d10d-4bc1-b684-4c8856b86c66.png)](https://cta-redirect.hubspot.com/cta/redirect/2652187/db22d902-d10d-4bc1-b684-4c8856b86c66) [![Mariah Collins, SHRM-SCP](https://blog.axcethr.com/hs-fs/hubfs/Mariah_DSC6768-Edit.jpg?width=80&height=80&name=Mariah_DSC6768-Edit.jpg)](https://blog.axcethr.com/author/mariah-collins) Written by #### [Mariah Collins, SHRM-SCP](https://blog.axcethr.com/author/mariah-collins) Mariah Collins, SHRM-SCP, is a Human Resources Consultant at Axcet HR Solutions, specializing in people management, process improvement, and project management. With a strong background in payroll, benefits, and employee relations, she brings over four years of experience in providing HR solutions to small businesses. Mariah holds a Bachelor of Business Administration in Human Resources from Emporia State University and is known for her expertise in helping businesses streamline HR processes while ensuring compliance. Her contributions to the Axcet blog reflect her deep understanding of HR challenges and her commitment to supporting small business owners. Read more [View all posts →](https://blog.axcethr.com/author/mariah-collins) ### Get HR Updates ### Table of Contents ### Related Resources - [services Small Business Health Insurance](https://www.axcethr.com/services/employee-benefits/) - [services small business health insurance program options](https://www.axcethr.com/services/employee-benefits/employee-benefits-details/) #### [Set-Up-to-Fail Syndrome: A Hidden Threat to Employee Performance ![set up to fail syndrome](https://blog.axcethr.com/hubfs/set-up-to-fail-syndrome-_1_%20(3).webp)](https://blog.axcethr.com/set-up-to-fail-syndrome) #### [![Axcet HR Consultant discusses strategies to expand your candidate pool](https://blog.axcethr.com/hubfs/Mariah-Collins-Axcet-HR-Solutions-Explains-National-vs-Local-Candidate-Pool-and-Remote-vs-In-House%20(1).webp) Candidate Pool Strategies: Remote vs In-Person Work Explained](https://blog.axcethr.com/remote-vs-in-person-work-choosing-the-right-candidate-pool) ## Let us know what you think... ![AxcetHR Blog](https://blog.axcethr.com/hubfs/AxcetHR2021%20Blog/axcethr_logo_white%20(1).png) - [Why Axcet](https://www.axcethr.com/why-axcet/) - [What We Stand For](https://www.axcethr.com/about-us/what-we-stand-for/) - [Expertise](https://www.axcethr.com/expertise/) - [Employee Benefits](https://www.axcethr.com/services/employee-benefits/) - [Human Resources](https://www.axcethr.com/services/human-resources/) - [Payroll Services](https://www.axcethr.com/services/payroll-and-tax-administration-services/) - [Risk Management](https://www.axcethr.com/services/workers-comp-and-employee-safety-risk-management/) - [Meet the Team](https://www.axcethr.com/about-us/meet-the-team/) - [Subscribe to Latest Resources](https://www.axcethr.com/subscribe-to-the-latest-resources/) - [Resource Library](https://www.axcethr.com/expertise/resource-library/) - [\[ Client Portal \]](https://www.axcethr.com/client-services/) - - - - - Search for: Copyright © 2023 Axcet HR Solutions – Kansas City's PEO Since 1988 | [Privacy Policy](https://www.axcethr.com/privacy-policy/) | [Terms and Conditions](https://www.axcethr.com/terms-conditions/) | [**Join our Team – Careers »**](https://axcethrsolutions.prismhr-hire.com/) 10975 Grandview Drive Suite 200, Corporate Woods Building 27, Overland Park, KS 66210 | Call us: 913-383-2999 *The IRS does not endorse any particular For more information on [certified professional employer organizations](https://www.axcethr.com/why-axcet/certified-peo/), go to [www.irs.gov](https://www.irs.gov).* Remove cookies ![](https://dc.ads.linkedin.com/collect/?pid=43031&fmt=gif) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Mariah Collins, SHRM-SCP", "url" : "https://blog.axcethr.com/author/mariah-collins" }, "dateModified" : "2025-05-12T21:21:45.557Z", "datePublished" : "2024-09-19T21:11:45.000Z", "headline" : "Accidental Death & Dismemberment Insurance: A Smart Benefit", "image" : [ "https://blog.axcethr.com/hubfs/accidental-death-and-dismemberment-insurance-_1_%20(1).webp" ], "mainEntityOfPage" : { "@id" : "https://blog.axcethr.com/accidental-death-and-dismemberment-insurance", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.axcethr.com/hubfs/_logo_axcethr_primary.png" }, "name" : "Axcet HR Solutions" } } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.axcethr.com/#organization", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Kansas City", "addressRegion" : "MO" }, "aggregateRating" : { "@type" : "AggregateRating", "bestRating" : "5", "ratingValue" : "5", "reviewCount" : "100" }, "areaServed" : { "@type" : "Country", "name" : "United States" }, "award" : [ "IRS Certified Professional Employer Organization (CPEO)", "Award-Winning HR Solutions Provider", "SHRM Certified HR Professionals", "HRCI Certified HR Professionals" ], "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "US", "availableLanguage" : "English", "contactType" : "Customer Service" }, "description" : "Award-winning Professional Employer Organization (PEO) providing comprehensive HR solutions, payroll services, employee benefits, and risk management to small and mid-sized businesses. 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But no one—not even you—can protect them from every imaginable accident. Along with putting strong safety practices and workplace policies into place, you can do right by your employees by providing a financial cushion in the event of an uncontrollable accident. Particularly as a complement to a group life insurance policy, accidental death and dismemberment insurance is a critical financial tool that employers can explore including in their benefits packages. In this article, we’ll unpack the basics of accidental death and dismemberment insurance for employers. We’ll discuss the difference between accidental death and dismemberment vs life insurance, the cost of coverage, and how you can decide whether to provide this benefit for your employees alongside life insurance coverage. What Is Accidental Death and Dismemberment Insurance? Accidental death and dismemberment insurance provides an insured individual or their family with financial benefits in the event of the insured individual’s accidental death or a covered devastating injury. Suppose an insured individual dies in an accident. In that case, the named beneficiaries on their accidental death and dismemberment insurance policy will receive a lump sum payout, which can be used to help them cover funeral costs and soften the financial burden of losing an income-earning loved one. Suppose an accident occurs that spares the life of the insured individual but causes significant injury, such as permanent paralysis, the loss of a limb or the loss of the individual’s ability to see, hear or speak. In that case, they’ll receive “living benefits.” RELATED: Overdose Prevention in the Workplace - The Importance of Naloxone Kits >> Accidental Death and Dismemberment vs. Life Insurance: Do Employees Need Both? While it’s very common to conflate the two, accidental death and dismemberment vs life insurance serve different purposes for your employees and their loved ones. While life insurance can also provide death benefits to loved ones in the event of an insured individual’s passing and can sometimes be drawn upon during an individual’s life, the two coverage types are very different. As discussed, accidental death and dismemberment insurance provides payouts only in the event of certain accidents. Either type of policy may be obtained as a standalone coverage option. However, it’s very common for employer-sponsored benefit plans to combine these two coverage types, with accidental death and dismemberment coverage with life insurance as a rider on a life insurance policy. At Axcet HR Solutions, we frequently help employers add an accidental death and dismemberment plan to their group life insurance policy. RELATED: Processing Final Paychecks for Deceased Employees >> Cost of Accidental Death and Dismemberment Insurance for Small Businesses While group life insurance premiums are generally thought of as very affordable (and many employers are surprised to find out just how affordable rates are), a key difference between group life insurance and accidental death and dismemberment insurance is cost. Monthly premiums for accidental death and dismemberment insurance are typically shockingly low for the potential value they provide and generally fall between $4-7 per month per person. Fantastic “deals” can be found for employer-sponsored group coverage, and the costs are far less than the typical group term life insurance policy. For this reason, many employers offer accidental death and dismemberment insurance for their employees and will generally pay 100% of the premium. RELATED: Is Your Team Remote? You Still Need Workers' Comp for Remote Employees >> Should Our Small Business Provide Accidental Death and Dismemberment Insurance? If your employees work in high-risk positions or fields, such as manufacturing, oil and gas, construction, farming, the operation of heavy machinery, and so on—providing employer-sponsored insurance is par for the course. If your industry employs individuals in high-risk positions, it’s critical to speak with a small business insurance expert about obtaining group coverage for your employees. That may include life insurance, accidental death and dismemberment insurance, or both. Even if your employees don’t face any extraordinary risk in their typical day, providing a combination of benefits, including accidental death and dismemberment insurance, is a solid way to boost your total compensation package and create a financial cushion for your employees. The provision of accidental death and dismemberment insurance in particular sends a strong message to your employees, letting them know just how valued they are. Even if an accident takes them out of work, employer-sponsored coverage shows that you’ve considered how they’ll provide for their families and themselves. RELATED: Well-Known Benefits of a PEO Plus 6 Services You Never Knew Existed >> Axcet Is Here to Help You Source and Understand Small Business Insurance Options Are you interested in exploring insurance options, including accidental death and dismemberment insurance, life insurance, or health insurance policies for your organization? If so, sourcing coverage through a certified professional employer organization is an affordable and comprehensive route. Axcet HR Solutions is a certified PEO that specializes in helping small to mid-sized businesses source and save on the perfect benefits for their talent base, so they can focus on growing and scaling their core business. If you’re looking for help choosing the perfect plan(s), lowering your employer-sponsored premium costs, or getting your arms around the compliance of it all, Axcet HR Solutions is here to help. Schedule a consultation today.", "author" : { "@id" : "https://blog.axcethr.com/author/mariah-collins#author", "@type" : "Person", "name" : "Mariah Collins, SHRM-SCP", "url" : "https://blog.axcethr.com/author/mariah-collins" }, "dateCreated" : "2024-09-19", "dateModified" : "2025-05-12", "datePublished" : "2024-09-19", "description" : "As a small to mid-sized business owner or manager, you’re always looking out for your employees’ safety and well-being. But no one—not even you—can protect them from every imaginable accident. 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