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HR Home >> Benefits >> Life Insurance >> Personal Accident Insurance

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LIFE INSURANCE

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How to Enroll
  1. Complete the Personal Accident Insurance Enrollment Form. Be sure to indicate the following: Monthly or Bi-Weekly Payroll Deduction - Individual or Family Plan - Your Principal Sum Amount.
  2. Indicate the full name of your beneficiary and his/her relationship to you.
  3. Return the completed enrollment form to the Duke Benefits office.

Payment of Claims
Benefits for an Insured's loss of life will be paid to their beneficiary (their estate if no beneficiary is named).

Worldwide Travel Assistance services are provided by AXA Assistance USA to Duke employees covered under the Personal Accident Insurance plan administered by Mutual of Omaha. These services are available for business and personal travel for you, your spouse and dependent children on any single trip up to 90 days in length, and more than 100 miles from home.

Personal Accident Insurance

This is an accidental death & dismemberment (AD&D) insurance plan. It pays a benefit based upon a schedule of benefits in the event of accidental death, dismemberment, or permanent total disability as the result of an accident. Individual or family coverage may be purchased in $10,000 increments or as a multiple of annual salary, with a minimum of $50,000 in coverage to a maximum of 10 times annual salary (up to $750,000).

This is a voluntary, employee paid program and is paid through payroll deduction. Active employees, faculty, and House Staff, regularly scheduled for at least 20 hours per week are eligible to participate. This coverage terminates at retirement or termination of employment. However, coverage may be converted to an individual policy if requested within thirty-one (31) days of employment end date.

The monthly premium for each $10,000 unit of Principal Sum is:

  • Individual Plan: $0.27**
  • Family Plan: $0.47**

**Beginning January 1, 2010, premiums will be reduced to $0.18 per $10,000 unit for individual coverage and $0.30 per $10,000 unit for family coverage.

To view a complete certificate of insurance for the accidental death & dismemberment (AD&D) plan, please click here. This insurance plan is underwritten by:

Mutual of Omaha Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175
Home Office: Omaha, Nebraska

Duke reserves the right, in its sole discretion, to modify, suspend or terminate this program at any time, for any reason.

 

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