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SEIU Accidental Death & Dismemberment Insurance Plan

Help protect your family anytime, anywhere

Need a printed application?
Please call us at 1-844-836-7348 or email us at
ask-us@seiumb.com and we will mail you one as soon as possible.

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SEIU Accidental Death & Dismemberment Insurance Plan


SEIU Accidental Death and Dismemberment (AD&D) Insurance is an important coverage that can help supplement your existing life insurance. It provides a benefit in case you should experience a death due to a covered accident

  • checkGuaranteed acceptance—no medical health questions
  • checkCoverage from $25,000 to $250,000
  • checkOptional coverage for family members (including domestic partners)
  • checkReimbursements for daycare, spouse and child tuition

Why SEIU Accidental Death & Dismemberment Insurance Might Be Right For You

Learn more about the benefits of this coverage and who it’s designed for.


Help build a financial safety net for you and your family with the SEIU Accidental Death & Dismemberment (AD&D) Insurance Plan issued by The Prudential Insurance Company of America


Affordable rates

Take advantage of rates created just for SEIU members. Competitive, member-only, annual rates start at $22.56 per year for $25,000 of coverage. View this rate chart to learn more.

Flexible coverage

Get coverage from $25,000 to $250,000, in $25,000 increments. You’re eligible for lifetime coverage as long as you remain an SEIU member and continue paying your premiums. Rates never increase.

Generous benefits

Plan pays up to $250,000 for covered accidents and coverage is available for members and their families. Additional benefits may include child expense reimbursement and/or tuition reimbursement.

Easy to enroll

Coverage is guaranteed for every SEIU member, their spouses and dependent children. There’s no need for a medical exam, and there’s no age limit for enrollment.

Please note: AD&D coverage may not be the right coverage for sickness or disease risks. It does not protect you in the event of sickness or death. For coverage for these types of risks, please look into the SEIU Group Term Life Insurance Plan.


Enroll in the SEIU Accidental Death and Dismemberment (AD&D) Insurance Plan

  1. Make sure you’re signed in to your SEIU Member Benefits account.

    Apply for this insurance online, or by mailing/faxing a PDF application.
  2. Select the “Enroll Now” button above to launch the online application through Prudential’s secure portal.


    If you would like a printed application, please call us at 1-844-836-7348 or email us at ask-us@seiumb.com and we will mail you one as soon as possible.
  3. Once approved, you will receive your insurance verification kit and hard copies of your certificate of coverage will be mailed to you for your records.


Your questions, answered

Did you know that in 2021, accidents were the fourth leading cause of death in the U.S.?* Other types of life insurance may not cover accidental death or dismemberment as a result of an accident. AD&D offers easy, affordable ways to give your entire family guaranteed insurance protection, 24 hours a day, 365 days a year. There is no medical exam and your acceptance is guaranteed. The benefits provided are payable in addition to any insurance that may be in effect at the time of the accident.

* NCHS Data Brief No. 456, December 2022, CDC.gov

AD&D insurance benefits are as follows:

$25,000 to $250,000, if the covered Member dies in a covered accident or loses a limb or suffers a coma, paralysis, loss of sight or other covered losses in an accident. If a loss of life occurs in a car accident and the covered individual is wearing a seat belt (in the prescribed manner), or is sitting in a car seat equipped with an air bag and wearing a seat belt, the plan pays an additional benefit of 10% of the coverage amount, up to $10,000.

Supplemental Benefits Covered:
  • Loss due to exposure and disappearance: Exposure to the elements is considered an accidental loss. If the insured member’s body is not found within a year of disappearing, they will be presumed dead.
  • Loss due to coma: The plan pays one percent of the coverage amount for each month the insured remains in a coma that results from an accident. The coma must be permanent and continuous, beginning within one month of the accident. The benefit is payable up to 100 months while the person remains in a coma.
  • Return of remains: If accidental death occurs in a foreign country or outside a 100-mile radius of the insured’s home, the plan pays for the preparation and transportation of the body for cremation or burial. The amount is the lesser of the actual covered expenses, or $5,000.
  • Felonious assault: If a member suffers a loss due to aggravated assault while working for the employer or on an authorized business trip, an additional benefit—the lesser of ten percent of the benefit amount or $10,000—will be paid.
  • Child expense reimbursement: Day care is covered for dependent children under the age of 13, if the member or spouse dies in an accident covered by the policy. The annual benefit is the least of the actual daycare cost, five percent of the insured’s coverage amount, or $5,000 a year for up to four consecutive years or until the child reaches age 13.
  • Tuition reimbursement: Dependent Children: The plan pays an annual benefit of up to four years of tuition for dependent children up to age 25 who are full-time students in any institutions of higher learning or high schools. The annual benefit is the least of the actual tuition (excluding room and board), five percent of the member’s coverage amount, or $5,000 a year. Dependents must be enrolled in an institution of higher learning within 365 days of the insured’s death.
  • Educational reimbursement for spouse/domestic partners: The plan provides tuition reimbursement for a professional or trade program to prepare a spouse/domestic partner for work that will meet the financial needs of a family. The benefit is the least of the actual tuition, five percent of the member’s coverage amount, or $5,000. Enrollment in an educational program must occur within 12 months of the member’s death.
  • Common accident benefit: If the member and spouse/domestic partner both die in the same accident, the plan pays a benefit for the spouse’s/domestic partner’s death. The amount paid is the difference between the member’s coverage amount and the spouse’s coverage amount.
  • Critical periods payments benefit: The plan provides a benefit for the surviving spouse equal to one half percent of the member’s coverage amount for each of the 6 months immediately following the member’s death.
  • Child loss: This is a benefit that pays an additional amount if a covered child suffers a loss in an accident, but does not die. The amount payable for the loss is the amount payable for that child’s loss or $100,000, whichever is less.
  • Bereavement and trauma counseling: This additional benefit applies if the person requires bereavement and trauma counseling because you, your Qualified Dependent spouse or Domestic Partner or your Qualified Dependent child suffer a Loss. It is payable for Bereavement and Trauma Counseling Sessions that are held within one year after the date of the accident causing the Loss.
  • Monthly mortgage payment: The Monthly Mortgage benefit pays the lesser of your mortgage payment or $2,500, for up to 12 months to your surviving spouse or domestic partner who owned the property and shared the mortgage responsibility with you if you suffer a loss of life. The benefit continues to the earliest of these events: 1) the mortgage is paid off, 2) the house is sold, 3) your spouse or domestic partner dies; or 4) the 12th benefit payment.
  • Monthly rehabilitation expenses: This benefit applies if a person suffers a loss and a doctor determines that rehabilitation is necessary to aid the person in returning to the normal activities of a person of the same age and gender. The amount is the lesser of 5% of the benefit amount, or $500.
  • Critical burns: The plan provides a benefit if a member suffers critical burns that result in permanent disfigurement while a Covered Person under the Coverage and the burns occurred while working for your employer. The amount is the lesser of 25% of the benefit amount, or $25,000.

No medical exam is required and there are no medical questions to answer, so your acceptance into the plan is guaranteed.

Yes, SEIU members can elect to purchase additional coverage for their spouse and/or child(ren). Benefit amounts from $25,000 to $250,000 are available.

This insurance coverage is issued by The Prudential Insurance Company of America (Prudential), a company that has stood the test of time for more than 145 years.

Additional Information

Not for residents of New Mexico.
Not for use in New Mexico.

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.

SEIU has retained Members United Insurance Agency to manage Insurance Programs for its Members. Members United Insurance Agency is not affiliated with The Prudential Insurance Company of America.

NY AD&D Disclosure:
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by The New York Department of Financial Services.



SEIU Accidental Death & Dismemberment Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-certificate contains all details including any policy exclusions, limitations and restrictions, which may apply. Contract Series 83500. CA COA #1179. NAIC #68241.