This is an accidental death & dismemberment (AD&D) insurance plan. It pays a benefit based upon a schedule of benefits in the event of accidental death, dismemberment, or permanent total disability as the result of an accident. Individual or family coverage may be purchased in $10,000 increments, with a minimum of $50,000 in coverage to a maximum of 10 times annual salary (up to $750,000).

This is a voluntary, employee paid program and is paid through payroll deduction. Active employees, faculty, and House Staff, regularly scheduled for at least 20 hours per week are eligible to participate and may continue this coverage while on an approved leave of absence provided the appropriate premiums are paid. This coverage terminates at retirement or termination of employment. However, coverage may be converted to an individual policy if requested within thirty-one (31) days of employment end date.


Employees that fall into one of the following classes are eligible:

Class 1: All active full-time (working 20 hours or more per week) employees of the Policyholder, including those Duke University employees while serving in the Medical Unit for Life Flight, who are U.S. citizens, lawful permanent resident (resident aliens) on U.S. payroll or a non-resident alien on U.S. payroll. Eligible dependents of this class of employees can also be covered.

Class 2: All individuals on Policyholder approved leave of absence for the following reasons providing the appropriate premiums are paid:

  1. while disabled and receiving salary continuation, sick leave pay, paid time off (PTO), short term disability (STD) or long term disability (LTD) benefits under the Duke non-contributory or voluntary plans;
  2. while on medical or personal leave for up to one year; and
  3. while on sabbatical leave for up to two years.

Eligible dependents include your lawful spouse and dependent, unmarried children of you or your spouse under age 19 (under age 26 if enrolled as a full-time student in an accredited college or university). Also included are any legally adopted and foster children as long as they are dependent on you for support.

No eligible person may be covered more than once under this Policy. If they are covered as an Employee, they cannot also be covered as a dependent of another Employee.

How to Enroll

  1. Complete the Personal Accident Insurance Enrollment Form. Be sure to indicate the following: Monthly or Bi-Weekly Payroll Deduction - Individual or Family Plan - Your Principal Sum Amount.
  2. Indicate the full name of your beneficiary and his/her relationship to you.
  3. Return the completed enrollment form to the Duke Benefits office.


The monthly premium for each $10,000 unit of Principal Sum is:

  • Individual Plan: $0.12
  • Family Plan: $0.25

Sample Rates

Principal Sum*Individual Plan
Family Plan

*A minimum of $50,000 in coverage to a maximum of 10 times annual salary (up to $750,000) can be selected.


This plan offers protection on a worldwide basis, 24 hours a day, 365 days a year against any covered accident in the course of business or pleasure, including accidents on or off the job, in or away from the home, commuting, traveling by train, airplane, automobile or other private and public conveyances.

It also covers accidents while riding as a passenger (not as a pilot or member of a crew) and getting on or off: (a) any licensed civilian aircraft or its foreign equivalent; (b) any transport-type aircraft operated by the Military Airlift Command, the Department of National Defence (Canada) and the Royal Air Force Air Transport Command of Great Britain; or (c) any aircraft of the United States Department of Defense, other than a single-engine jet. The benefits provided herein are payable in addition to any other insurance which may be in effect at the time of the accident.

NOTE: Coverage is provided to an Insured while serving in the Medical Emergency Unit for Life Flight. Flight crewmembers are independent contractors, rather than Duke University employees, and are therefore not eligible for coverage.

Effective Date of Coverage

Your coverage becomes effective the first day of the month following the date your completed enrollment form and payroll deduction authorization are received by the Policyholder. 

Termination Date of Coverage

Your insurance will end the first of the following dates: (a) the date you cease to be eligible; (b) the date any premium is due and unpaid, subject to the grace period; or (c) the date the policy terminates.

Payment of Claims

Benefits for an Insured's loss of life will be paid to their beneficiary (their estate if no beneficiary is named).

Leaves of Absence

Should you go on an unpaid leave of absence and want to continue your coverage while not receiving pay, you must pay the premium payment. Refer to your pay check stub or contact the HRIC at 919-684-5600 to find out the premium.

More Information

To view a complete certificate of insurance for the accidental death & dismemberment (AD&D) plan, please click here. This insurance plan is underwritten by:

Mutual of Omaha Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175
Home Office: Omaha, Nebraska

Duke reserves the right, in its sole discretion, to modify, suspend or terminate this program at any time, for any reason.

International Travel Assistance

To assist with your travel needs the university has contracted for international travel assistance and evacuation services from a company called International SOS.

International Travel Assistance