What is the difference between long term disability insurance and accidental death and dismemberment insurance?

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Long Term Disability policies cover you if you are put in a nursing home or need to have a nurse come to your home regardless of how you were put there. Accidental Death and Dismemberment policies are usually attached to auto policies and they pay you and your family money if you are killed or lose limbs in an automobile accident.
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What is considered dismemberment in a death and dismemberment insurance policy?

READ YOUR POLICY . Most important: READ YOUR POLICY!!!!!!!!\n. \nMost policys prorate based on the severity of the dismemberment; i.e. If you policy is for 100,000 and yo

Would accidental death and dismemberment Insurance pay a claim due to an accidental death on a business trip?

It is difficult to say because it depends on the specific accidental death and dismemberment(AD&D) policy and it's insuring clause. There are many variations of coverage. You

In what circumstances would accidental death and dismemberment insurance pay if death occured while cutting grass had a heart attack?

Unless the insured had no prior cardiac health related events, an AD&D policy would NOT pay because a heart attack would be considered an illness or medical condition. Howev

Is sudden infant death under the accidental death and dismemberment insurance?

As a licensed insurance agent, I would say that in most cases this would be covered under suffocation, provided the infant has his/her own policy or is included on the parents

How much Accidental death and dismemberment insurance should you get?

The amount of life insurance you purchase depends on how many dependents you have and their ages. You would want term insurance that would cover several years of living expens

What does accidental death and dismemberment insurance cover?

Exactly that ... accidental death (not from natural causes). As for dismemberment, some policies allow partial compensation for losing a foot or a hand, or maybe for an eye.