Does Accidental Death and Dismemberment Insurance Cover Broken Bones?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding AD&D Coverage for Broken Bones

Accidental Death and Dismemberment (AD&D) insurance is a specific type of coverage that addresses very particular situations. Understanding the scope of this coverage is crucial for policyholders.

  1. Dismemberment Coverage: This part of an AD&D policy is relevant when considering broken bones. Dismemberment typically refers to the loss of or the loss of use of body parts or functions (e.g., limbs, eyesight, hearing). While broken bones may not strictly fall under “dismemberment,” some policies may extend coverage to severe fractures or broken bones, particularly if they result in a loss of functionality.
  2. Accidental Death Coverage: This portion only applies if an accident results in death. If broken bones are sustained in an accident but do not directly lead to death, this part of the policy would not be applicable. However, if the individual succumbs to complications from the broken bones within a specified period (usually 30 to 60 days post-accident), this coverage might come into effect.

Examples of Coverage Scenarios

  • Scenario 1: An individual breaks an arm in an accident. The dismemberment portion may cover this if the policy includes severe fractures.
  • Scenario 2: An individual breaks a leg in an accident and dies due to complications within 30 days. The accidental death portion would apply here.

Important Considerations

  • Policy Specifics: Coverage details can vary widely between policies. It’s essential to review your policy or consult with your insurance provider for precise information.
  • Severity and Impact: The severity of the broken bone and its impact on the individual’s life and functionality can influence whether it falls under dismemberment coverage.


Understanding the nuances of AD&D coverage is essential, especially regarding situations like broken bones. The dismemberment portion may cover severe fractures or broken bones under certain conditions, while the accidental death portion applies only if death occurs due to the injury within a specified period. Always review your policy details for specific coverage information.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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