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You may add to your Basic AD&D coverage by purchasing Supplemental AD&D insurance. Supplemental AD&D benefits are paid to the named beneficiary in addition to Basic AD&D benefits.

Benefits for You

If you are covered by the Basic AD&D plan, you may also elect Supplemental AD&D coverage in increments of $50,000 up to:

$250,000 if you earn $25,000 or less per year
10 times your base annual earnings if you earn more than $25,000 per year, up to a maximum benefit amount of $1.5 million.

Base Annual Earnings

Life and AD&D benefit amounts are based on your base annual earnings, which are:

For Full-time hourly employees, current hourly wage times 2,080 hours
For Part-time hourly employees, current hourly wage times 1.560 hours
For salaried employees, current annual pay

Base annual earnings do not include any extra compensation such as overtime pay or bonuses.

Benefits for Your Family

If you elect Supplemental AD&D for yourself, you may elect:

Family coverage -for your spouse or domestic partner only, or for your spouse or domestic partner and dependent child(ren)
Children's coverage -for your dependent child(ren) if you have no spouse or domestic partner

Family benefit amounts are a percentage of your benefit, as shown below:

Family members	Spouse or domestic partner benefit	Each child's benefit
Spouse or domestic partner only	65% of your benefit	Not applicable
Spouse or domestic partner and dependent children	55% of your benefit	10% of your benefit
Dependent child(ren) only	Not applicable	20% of your benefit

Health Headlines

Headlines

· Report: 20-Somethings Can Go 2 Years Between Paps

· U.S. Survey Shows Southern Counties Most Obese

· Sebelius: Mammograms Still Vital in Saving Lives

For more health news and information, go to Aetna Intelihealth.