AD&D Insurance

Always be there financially for your loved ones.

Corewell Health Provides AD&D Insurance

Corewell Health provides you core AD&D insurance at no cost to you. 


Accidental death and dismemberment (AD&D) insurance is available under the Corewell Health benefit program. This plan is designed to pay a death benefit to your beneficiary if you should die as the result of a covered accident, or to pay benefits directly to you for certain covered severe accidental injuries. 


Core AD&D benefit - provided by Corewell Health  
  • Team members receive one times their annual salary* rounded to the next $1,000 to a maximum of $1,000,000.
  • Physicians, residents, fellows, executives, directors and/or principals receive 2 times their annual salary* rounded to the next $1,000 to a maximum of $1,000,000.


*Annual salary for AD&D insurance for physicians, residents, fellows and/or commission based Priority Health team members is the greater of current base salary OR prior year W2 whichever is greater.


Supplemental AD&D benefit options - after-tax deduction

Full-time and part-time team members who are benefit eligible may elect the following AD&D amounts for themselves, legally married spouse as well as your child(ren). Remember, this plan pays for losses resulting from covered accidents only. 


Supplemental AD&D benefit 

1, 2, 3, 4, 5, 6, 7 or 8 times annual base salary rounded to the next $1,000 to a maximum of $1,500,000* 


Two plans to choose from:
  • Team member only coverage
  • Team member + family coverage (coverage for you, your legally married spouse and/or child(ren)).


How the benefit works in the event of a death:


  • Team member accidental death, the face value of the elected benefit of 1-8 times annual base salary will be paid out to your beneficiary(ies).


  • Spouse accidental death
    • If no child(ren) are covered under the plan, you will receive 60% of the face value of the elected benefit of 1-8 times annual base salary. 
    • If child(ren) are covered under the plan, you will receive 50% of the face value of the elected benefit of 1-8 times annual base salary, maximum payout of $500,000.


  • Child accidental death, if no spouse is covered under the plan, you will receive 25% of the face value of the elected benefit of 1-8 times annual base salary. However, if your spouse is covered under the plan, you will receive 20% of the face value of the elected benefit of 1-8 times annual base salary, maximum payout of $200,000.

Naming a beneficiary

It is important to name a beneficiary for your life insurance benefits. Benefits for loss of life will be paid to the person (or people) you designate on the beneficiary section within Workday. You can update your beneficiaries at any time in Workday. If there is no eligible beneficiary named, the proceeds will be paid to the first survivor(s), who is living on the date of your death, in the following order: your spouse, your natural or adopted children, your parents or your estate.


Guarantee issue and evidence of insurability (EOI) 

Guarantee issue is the amount of life insurance a team member can obtain for themselves or their dependents without proof of good health, known as evidence of insurability (EOI). 


New team members and newly benefit eligible team members do not have to show evidence of insurability (EOI) for amounts below guarantee issue. If you decline coverage when first eligible, you may need to show EOI to obtain coverage in the future.


During annual open enrollment, you may elect coverage for the first time or elect to increase any team member or dependent spouse coverage. All new elections made during the annual open enrollment will be subject to EOI. Shortly after annual open enrollment, Voya Financial will contact you via email to complete the process.


Additional Benefits Through Voya:


Being in an unfamiliar place can be stressful at times, especially if something goes wrong. Get the peace of mind you need when you travel. Voya Travel Assistance offers you and your dependents four types of services when traveling more than 100 miles from home, including: pre-trip information, emergency personal services, medical assistance services and emergency transportation services.


Voya Travel Assistance services are provided by International Medical Group (IMG), Indianapolis, IN.


For more information contact IMG at (317) 659-5841. Download the IMG App, or visit their website at www.imglobal.com/member/. 


Login to create an account using the referral code VOYATRAVEL. 

Planning a funeral can be time-consuming and emotionally draining. Help ease the burden on you and your family. Funeral Planning, Will Prep and Concierge Services connect team members with professionals who can help with funeral planning for themselves and eligible family members. Services also include Will Prep, an online tool designed to help users create customized legal documents such as a Will, Health Care Directive, Power of Attorney, and more.


Funeral Planning, Will Prep and Concierge Services are provided by Everest Funeral Package, LLC, Houston, TX.


For more information call Everest Funeral Package at (800) 913-8318 or visit their website at everestfuneral.com/voya.