Voluntary Accidental Death and Dismemberment (Voluntary AD&D) Insurance for Active Employees

As a State of Texas employee, Voluntary AD&D coverage comes with your Basic Term Life and Optional Term Life insurance.

You can also elect Voluntary AD&D coverage for yourself and your eligible dependents. This benefit provides additional protection for you and your family if you or an eligible dependent has injuries from or dies in an accident. 

Plan Benefits 

You can choose from two levels of coverage: you only or you and your family. You can purchase coverage in increments of $5,000: 

  • The minimum coverage available is $10,000.
  • The maximum coverage available is $200,000.

You cannot convert this coverage into an individual policy if you leave state employment.


Active employees can enroll in coverage within the first 31 days of hire, if they have a qualifying life event (QLE), or during Summer Enrollment. Evidence of Insurability (EOI) is not required at any time to enroll. Voluntary AD&D is not available to former employees or retirees.