Dismemberment Insurance

What Does Dismemberment Insurance Mean?

Dismemberment insurance provides coverage for bodily injuries involving dismemberment, such as the loss of hands, feet, or even entire arms and legs. This type of insurance is often offered as a rider attached to a life insurance policy. The payout amount for a dismemberment claim is usually tied to the accidental death benefit. Specific losses pay out a set percentage of the total, with the loss of two limbs typically paying more than the loss of one.

Insuranceopedia Explains Dismemberment Insurance

Dismemberment insurance is commonly paired with accidental death insurance. Those seeking this combined coverage can obtain an accidental death and dismemberment (AD&D) rider on their life insurance policy. Certain individuals, such as carpenters who frequently use hazardous table saws, tree workers exposed to falling branches, and others in high-risk work environments, may have a greater need for dismemberment insurance due to their elevated risk of injury. Many of these workers also carry disability insurance alongside their AD&D coverage, since a serious injury can keep them out of work even if the dismemberment payout covers the initial medical costs. Because the terms of an AD&D rider depend on the underlying policy, it’s worth comparing the best life insurance companies before choosing where to add one.