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Personal Accident Insurance

Accidents happen....are you covered?

Personal Accident Insurance (PAI) provides you or your family with a benefit if a covered person dies as the result of an accident.  This insurance also pays a partial benefit for the loss of a limb or eyesight as a result of an accident.

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Eligibility is determined by type of appointment and FTE (full time equivalency).

  • Staff or visiting faculty: FTE of 75% or greater*
  • Faculty member (AAUP-represented or COM MED Faculty): FTE of 65% or greater

An employee may select employee only coverage or family coverage for his/her eligible family members.  If family coverage is selected, the employee is insured for the full amount of the family coverage option.  The employee's spouse or domestic partner's coverage equals 50 percent of the elected amount of coverage and each child's coverage equals 10 percent of the coverage.

∗Post Docs and Interns are not eligible for Personal Accident Insurance.

Coverage Options

Employee Only coverage options:

  • $50,000
  • $100,000
  • $150,000

Family/Employee options*:

  • $50,000
  • $100,000
  • $150,000

Accident Insurance Computer

If an employee elects the $100,000 employee and family option, the employee's coverage equals $100,000, the spouse's coverage equals $50,000, and each child has $10,000 in coverage.

*up to age 19, or 23 if a full time student; up to age 25 if full time student and child of AAUP member. It is your responsiblity to notify HR when your youngest covered child reaches the maximum age.

Naming a Beneficiary

Do you know who would receive your Personal Accident Insurance benefit in the event of your accidental death?  Does the Human Resources Department know who that person is?  The beneficiary for Personal Accident Insurance and Employee Life Insurance can be the same.

The employee is the beneficiary for any death benefit paid for a covered family member.

Make sure benefits are paid to the person(s) you want to receive them!  Name a beneficiary and keep it current.  Update or change your beneficiaries anytime through your ESS (Employee Self Service) account.


  • Cost: The employee pays the full cost of coverage with after-tax dollars through payroll deduction. Visit the Employee Contributions page for the current year's rates in your employee classification.

Important Features and Information

  • Limitations: No benefit paid if the injury or death is the result of an act of war, declared or undeclared, suicide, or intentionally self-inflicted injury.  Other exclusions and limitations also apply; see Personal Accident Policy found in “Other Helpful Information”
  • Seat Belt, Airbag Coverage: Additional benefit payable if insured dies as the result of a covered accident while properly wearing a seat belt and/or if insured was protected by an airbag.
  • Educational Benefit: Under family coverage, Personal Accident Insurance pays an education benefit if the employee dies.  For each dependent currently in college or who enrolls as a full-time student at an accredited post secondary education institution within one (1) year of the employee's death, plan will pay part of certain education costs for up to four (4) years.  For the employee's spouse or domestic partner, the plan will pay for job training needed to earn a living.  Job training expenses must be incurred within 30 months after the employee's death.  The maximum benefit is $3,000.
  • Accidental Dismemberment: PAI policy may pay partial benefit in event of covered accidental dismemberment.  See policy for specific details.

Other Helpful Information

Have More/Specific Questions?

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