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.

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.