ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) FOR SCHOOL DISTRICT ADMINISTRATIVE PERSONNEL AND THEIR DEPENDENTS
The OSBA Insurance Agency LLC offers Accidental Death & Dismemberment (AD&D) coverage to school district administrative personnel and their dependents at affordable rates. Please click here for a link to the brochure. The following types of coverage are available for purchase:
- Business Travel AD&D: Coverage applies when you are performing the duties of your job, either on or off school district premises. This does not include commuting to and from work or during time off from work.
- Personal AD&D: If you purchase business travel AD&D, you are then eligible to purchase personal AD&D coverage. This policy extends your existing $100,000 coverage to apply at ALL times: 24 hours/day, seven days/week, not only when you are working but during your leisure time, while commuting, etc.
- Dependent Personal AD&D: If you purchase business travel and personal AD&D, you are then eligible to purchase personal AD&D coverage for your spouse and/or children.
Watch the video below for a program overview.
Here are some frequently asked questions regarding the program:
Who is eligible?
All superintendents, assistant superintendents, treasurers, business managers, principals, supervisors, directors, attorneys, administrative assistants and other administrative personnel of OSBA-member school districts and their dependents.
How much coverage can I purchase and how much will it cost?
Type of coverage
Administrative staff business travel AD&D
Administrative staff 24/7 personal AD&D
Child or children
What is covered?
Click here for a copy of the AD&D Certificate of Coverage. Please review the entire certificate, as it contains detailed provisions of coverage including additional benefits and exclusions. A brief summary of benefits is shown below. The benefit amount payable depends on the type of loss.
Loss (including loss of use) which occurs within 365 days of accident
% of principal amount paid
Sight of both eyes
Speech and hearing in both ears
Both hands or both feet
One hand or one foot and sight of one eye
Permanent and total disability
Sight of one eye
Hearing in both ears
One hand or one foot
Thumb and index finger of the same hand
Hearing in one ear
1% per month for 100 months
When will coverage begin?
The coverage period runs annually from March 1 through the end of February.
How long will coverage last?
Coverage continues as long as your premium is paid in full and you are employed at a district that is a member of OSBA. If your employment ceases or your district cancels its membership in OSBA, coverage will terminate and no refund will be issued for the remainder of your premium.
Are their age limitations on coverage?
Yes. When you reach age 70 and beyond, the amount of your insurance is limited to the following:
Age 70: 65% of principal amount
Age 75: 45% of principal amount
Age 80: 30% of principal amount
Age 85 and above: 15% of principal amount
How can I enroll?
Click here for a PDF enrollment form. Mail the form, along with a check payable to the OSBA Insurance Agency LLC for the amount shown on the form, to: OSBA Insurance Agency LLC, 8050 N. High Street, Suite 100, Columbus, OH 43235.
How do I file my beneficiary selection?
The enrollment form also serves as your beneficiary designation form.
How can I get more information?
Please contact Allison Morris, chief financial officer, at (800) 589-OSBA or (614) 540-4000, or by email at firstname.lastname@example.org.
Plan benefits are provided by The Prudential Insurance Company of America, 751 Broad Street, Newark, New Jersey 07102