Accidental Death & Dismemberment (AD&D)

If you are an employee with salaried benefits, you are eligible to purchase voluntary AD&D coverage through Prudential. AD&D coverage pays a benefit in the case of an accident in which you and/or your covered spouse suffers certain injuries or death. You can purchase coverage in $5,000 increments:

• For yourself: from $25,000 to $500,000.
• For your spouse: from $25,000 to $250,000.

You must be enrolled in voluntary AD&D coverage for yourself in order to purchase it for your spouse. Your spouse amount cannot be greater than your coverage amount.

Don’t forget to designate a beneficiary

A beneficiary is someone who will receive your life insurance benefits if you die. Since Cargill provides Basic Life insurance, you should have a beneficiary on file even if you don’t elect additional coverage. Unless you elect otherwise, your beneficiary designation will apply to your Basic Life coverage and any Additional Life, Voluntary AD&D and Business Travel Accident elections you have on file.

If you do not name a beneficiary or your designated beneficiary dies before you, the benefit will be paid in one sum to the survivor in the highest category in the following order:

1. Spouse/Domestic Partner;
2. Child(ren);
3. Parents;
4. Sisters and brothers; or
5. Estate.