Accidental death and dismemberment coverage pays an additional benefit if you die as the result of an accident or experience a serious injury that results in paralysis or the loss of a limb or vision. The amount you receive for an accidental injury will depend on the type and severity of the injury as outlined in your policy. While an AD&D policy through work can be a great benefit, there are other ways to make sure that you have the coverage you need. Connect with an advisor to talk about your insurance options.