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Accidental Death & Dismemberment

All full-time and part-time salaried University Staff Operational & Administrative employees must participate in the Virginia Retirement System (VRS). Part-time employees are defined as those who work at least 20 hours, but less than 32 hours per week.

All full-time and part-time salaried University Staff Managerial & Professional, Executive & Sr. Administrative and Faculty employees must participate in either the Optional Retirement Plan (ORP) or the Virginia Retirement System (VRS). The retirement program selected effects the AD&D, disability and life insurance benefits, so careful consideration should be given to this decision. Once a retirement program is elected, the decision is irreversible.

ORP AD&D

ORP members who are full time employees, are eligible to purchase CIGNA Accident Insurance. The CIGNA plan provides coverage for death or dismemberment for accidental causes if permanent total disability or death results within one year of the accident.

Participants may select benefits, in multiples of $5,000, between the minimum of $25,000 and the maximum of $200,000. The amount may not exceed ten times the participant's annual salary. Members also may select coverage for a spouse and dependent children at a reduced benefit level. Coverage under the CIGNA plan terminates on the last day of the month in which active service terminates.

VRS AD&D

Accidental Death and Dismemberment Insurance is provided for no additional cost. In the case of accidental death, this amount is four times your annual salary, rounded to next $1000 if the amount is not a round number. Accidental death and dismemberment insurance benefits are payable if you sustain bodily injuries while you are actively employed, through violent, external, and accidental means and as a direct result, you lose your life, limb or eyesight within 90 days of the accident. Information is available on the VRS Website

AD&D Insurance Summary Information

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