Accidental Death & Dismemberment (AD&D) Insurance pays benefits if you die or suffer certain serious injuries ­ such as the loss of a hand or your eyesight ­ as a result of an accident. If you die, your beneficiary receives the benefit. You receive the benefit if you are injured. The amount of the benefit will depend of your coverage amount and the nature of your loss. Go to your Benefits Enrollment Worksheet for your coverage options.