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AD&D Insurance Plan

Basic AD&D Insurance – paid by United Rentals

AD&D is included as part of your Basic Life coverage and provides you with specified benefits for a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot or eye). In the event that death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies).

  • Employee Only: 1x your annual base pay, up to $125,000. Benefits reduce by 50% at age 70.
  • Coverage levels may vary by eligibility group, as detailed in the Summary Plan Description at UR.BenefitsNow.com

Voluntary AD&D Insurance

Voluntary AD&D Insurance
Employee Only
½, 1, 2, 3 or 4x your annual salary, up to a maximum of $1,000,000. Benefits reduce by 50% of the original amount if you are age 70 or older.
Spouse/Domestic Partner
Up to 60% of Voluntary Employee AD&D, up to a maximum of $300,000. Your spouse/domestic partner under the age of 70 is eligible.
Spouse/Domestic Partner and Child(ren)
Spouse/Domestic Partner under age 70: Up to 50% of Voluntary Employee AD&D, up to a maximum of $300,000. Child(ren) from live birth to 26 years: Up to 10% of Voluntary AD&D per child, up to a maximum of $50,000 per child.
Child(ren) Only
Up to 15% of Voluntary Employee AD&D per child, up to a maximum of $50,000 per child. Child(ren) from live birth to 26 years are eligible.

Evidence of Insurability Rules

Open Enrollment
Newly Hired
Qualified Status Change
Employee
  • 1x salary incremental increases greater than $200,000
  • Coverage over $200,000
  • Electing coverage after initial eligibility
  • When an EOI has been denied in the past
  • Coverage over $200,000
  • Enrolling more than 60 days after initial eligibility
  • For any amount
Spouse/Domestic Partner
  • Any increase
  • Coverage over $50,000
  • Enrolling more than 60 days after initial eligibility
  • Coverage over $50,000
  • Enrolling more than 60 days after initial eligibility due to marriage
  • Any increase associated with other types of qualified family status change
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AD&D Insurance Plan

Basic AD&D Insurance – paid by United Rentals

AD&D is included as part of your Basic Life coverage and provides you with specified benefits for a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot or eye). In the event that death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies).

  • Employee Only: 1x your annual base pay, up to $125,000. Benefits reduce by 50% at age 70.
  • Coverage levels may vary by eligibility group, as detailed in the Summary Plan Description at UR.BenefitsNow.com

Voluntary AD&D Insurance

Employee Only

½, 1, 2, 3 or 4x your annual salary, up to a maximum of $1,000,000. Benefits reduce by 50% of the original amount if you are age 70 or older.

 

Spouse/Domestic Partner

Up to 60% of Voluntary Employee AD&D, up to a maximum of $300,000. Your spouse/domestic partner under the age of 70 is eligible.

 

Spouse/Domestic Partner and Child(ren)

Spouse/Domestic Partner under age 70: Up to 50% of Voluntary Employee AD&D, up to a maximum of $300,000. Child(ren) from live birth to 26 years: Up to 10% of Voluntary AD&D per child, up to a maximum of $50,000 per child.

 

Child(ren) Only

Up to 15% of Voluntary Employee AD&D per child, up to a maximum of $50,000 per child. Child(ren) from live birth to 26 years are eligible.

Employee Only

1x your annual base pay, up to $125,000. Benefits reduce by 50% at age 70.

Evidence of Insurability Rules

Open Enrollment
Newly Hired
Qualified Status Change
Employee
  • 1x salary incremental increases greater than $200,000
  • Coverage over $200,000
  • Electing coverage after initial eligibility
  • When an EOI has been denied in the past
  • Coverage over $200,000
  • Enrolling more than 60 days after initial eligibility
  • For any amount
Spouse/Domestic Partner
  • Any increase
  • Coverage over $50,000
  • Enrolling more than 60 days after initial eligibility
  • Coverage over $50,000
  • Enrolling more than 60 days after initial eligibility due to marriage
  • Any increase associated with other types of qualified family status change

Part-time and Temporary employees are eligible for a limited subset of benefits.  Union employees: refer to your collective bargaining agreement for your benefits eligibility.