Accidental Death & Dismemberment Coverage


No Cost Insurance for PEF Members.

Accidents happen all the time and can occur anywhere. You can’t always prevent them, but you can make sure you have the protection you need. The PEF Membership Benefits Program sponsors Accidental Death and Dismemberment (AD&D) Insurance from Sun Life. Accidental Death and Dismemberment insurance provides extra financial protection if you suffer from a covered accidental injury or accidental death.

How does it work?

If you are an active, dues-paying PEF member employed by one of the following: Canal Corp, Albany County Probation, Allegany County, Albany Housing, Lockport Hospital, Regional Olympic Development Authority, and National Disease & Research Institute (NDRI), you are automatically covered for $15,000 of AD&D insurance at no cost to you. You will receive a payment if you suffer a covered accidental injury (see examples below) or an accidental death.

This chart shows potential benefit amounts, assuming you have $15,000 of AD&D coverage.
  • Accidental Death and Dismemberment insurance coverage provides an additional benefit equal to the amount of your life insurance coverage and is payable if your death occurs as a direct result of a covered accidental bodily injury sustained while injured, provided death occurs within 365 days of the accident.
  • If a covered accident results in your death, your beneficiary will receive 100% of your AD&D coverage amount.
  • Receive up to a maximum of 100% of your AD&D coverage amount for losses resulting from one accident.
  • Use the benefit to pay for injury-related expenses or to help replace lost income.

Additional feature of Accidental Death and Dismemberment Insurance:

Disappearance: Presumes that a covered person is dead if the covered person disappears as a result of an accidental wrecking, sinking, or disappearance of a conveyance in which the covered person was known to be a passenger.

Plan ahead to protect what you love if a serious accident puts at risk what matters most to you.

Contact PEF Membership Benefits Program to learn more about this no cost AD&D insurance. Call 518-785-1900, ext. 243, or 800-342-4306, ext. 243.


View the Spanish version of the Beneficiary Designation form.

Please note: Return the Beneficiary Designation form to PEF MBP, 10 Airline Drive, Suite 101, Albany, NY 12212.

Important: The above information is intended to provide an explanation of the general purposes of the insurance described, but it does not form a part of the group insurance policy. If any of the terms of the brochure or a certificate differ from the group insurance policy, the policy will govern. Exclusions and Limitations apply. Please see the brochure for additional information.

This product web page is intended to provide an overview of the benefits available from your employer and is not a complete description of plan provisions. Review of this web page does not certify eligibility for benefits under this plan. For complete plan details, including limitations and exclusions that may affect benefits, please refer to your certificate.
The group policy provides insurance only. It does not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 13-GP-LF-01, 13-LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GP-A, GC-A, 12-GP-SD-01, 13-SD-C-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01 and 13-SDPort-C-01.
©2015 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at
GADDIN-EE-5336                                                    SLPC 27344 2/18 (exp. 2/20)