Financial Protection Accidental death and dismemberment insurance (AD&D). AD&D insurance is included in your basic life insurance coverage. It provides an additional benefit if you suffer death or dismemberment in an accident. • Seat belt benefit: If you are in a fatal car accident in a private passenger vehicle while wearing a seat belt, your AD&D benefit may pay an extra 10%. However, the benefit is not payable to either a driver or passenger if the driver was legally intoxicated or under the influence of drugs at the time of the accident • Limitations: The AD&D policy does not typically pay out under the following situations: disease, bodily or mental infirmity, suicide or intentionally self-inflicted injury, commission of an assault or felony, war, use of any drug unless prescribed by a physician, driving while intoxicated, engaging in any hazardous activities, or travel in a private aircraft See your Certificate of Insurance for specific exclusions and limitations that apply to your coverage. About us. UnitedHealthcare Specialty Benefits unites health and financial well-being for individuals and organizations through integrated and personally relevant products, services and technologies. Our parent company, UnitedHealth Group, is a Fortune 25 company with strong ratings from independent reviewers Standard & Poor’s and A.M. Best. You can count on us to meet our financial obligations. Enroll today. Start receiving financial peace of mind with a basic life insurance plan from UnitedHealthcare. UnitedHealthcare Life products are provided by UnitedHealthcare Insurance Company; and in California by Unimerica Life Insurance Company; and in New York by Unimerica Life Insurance Company of New York. UnitedHealthcare Insurance Company is located in Hartford, CT; Unimerica Life Insurance Company is located in Milwaukee, WI; and Unimerica Life Insurance Company of New York is located in New York, NY. Specialty benefits and programs may not be available in all states or for all group sizes. Components are subject to change. 100-8208 01/12 ©2012 United HealthCare Services, Inc.