Accidental Death & Dismemberment Insurance (AD&D)

OU employees receive accidental death and dismemberment insurance (AD&D) as part of the core benefits provided by OU. The university also offers optional accident protection insurance for you, your spouse, and your children. This coverage is very inexpensive and provides a benefit in the case of dismemberment as a result of an accident or an untimely death.

You may purchase additional AD&D insurance for yourself in $50,000 increments up to $250,000.

You can purchase dependent AD&D insurance for your spouse at a coverage level ranging from $10,000 to $40,000 and for your eligible dependent children at a $5,000 or $10,000 level. The premiums are the same regardless of the number of children you cover.

Add or Review Beneficiaries

A beneficiary is the person or organization that receives a benefit if the covered person dies.
  • Beneficiaries can be added in the AD&D section of Employee Self-Service. Click "Enroll" above to log in to Employee Self-Service.
  • An employee must contact Human Resources to make changes to or remove a currently assigned beneficiary.
  • An employee's estate will be the designated beneficiary if they do not designate one when first enrolling in basic coverage. 
  • If they choose to enroll in additional coverage, the same beneficiaries designated for an employee's basic coverage will be assigned to their additional coverage. 
  • The employee is automatically designated as the only beneficiary for spouse and child coverage.

Changes in 2017

Beginning January 1, 2017, Lincoln Financial Group will replace Standard Insurance as the administrator of OU's accident protection plans. The plans and rates will remain the same.



  • 2017 OU Benefits Guide Coming Oct. 31
Updated 09/12/2017