New coverage is only available to California residents.

What is Accidental Death & Dismemberment (AD&D) Insurance?

It is also known as AD&D pays a benefit for death and dismemberment caused by an accident. Dismemberment is defined as the loss or function of limbs, sight, hearing, etc. It's different from life insurance since it does not pay for death by illness. Typically, this makes the Club's AD&D premiums much cheaper than life insurance.

Why Get AD&D Insurance?

At any age, accidental death and dismemberment insurance is inexpensive, and can help offset the financial burdens your family may face during a difficult time.

Why Get AD&D Insurance from the Club?

  • Acceptance is Guaranteed: No medical underwriting is needed.
  • Affordable: City of Los Angeles Group Rated Prices
  • Family Plan: Plan include spouse and child coverage


LA County, State of California, and LAUSD employees are not currently eligible for enrollment.

Downloadable Forms

Download our forms directly. You'll need to have Adobe Acrobat installed on your computer to view it.


Most Frequently Asked Questions

Will it pay in conjunction to my life insurance or other AD&D insurance?

As long as death was caused by an accident, provisions on both the life insurance and ad&d plans allow them to pay out. Verification and proof of death would be required to make benefit payout determination.

Will premiums increase as I get older?

No, as long as you are an Active Employee the premiums will stay the same.

Will there be a different price if I had more than one dependent under Family Plan?

No, for only $2.00 a month ALL your eligible dependents are covered.