Accidental Death and Dismemberment Insurance (AD&D)

Plan Options

The NCFlex Accidental Death & Dismemberment Plan pays a benefit if a participant suffers a loss as the result of a covered accident.  It also pays if the participant suffers certain disabling injuries.  The coverage is effective on or off the job, 24 hours a day, 7 days a week.  The plan offers 12 coverage levels as indicated by varying dollar amounts of benefits.

See more plan details at NCFlex Accidental Death & Dismemberment Plan


Regular (non-temp) SHRA/EHRA employees who work between 20 hours per week (.5 FTE) and 40 hours per week (1.0 FTE) on a 9 month or greater recurring contract are eligible to enroll in the this plan.  Employees pay full cost for employee coverage in addition to any dependent coverage selected.

Effective Dates

Employees must enroll within 30 days of their hire date or within 30 days of a qualified life event.  Evidence of Insurability may apply outside of the newly hired initial 30-day eligibility period.

Coverage begins the first of the month following your hire/start date or qualified life event.

Accidental Death & Dismemberment Insurance Premiums

Principal Sum Coverage Level

Employee Monthly Rate

Employee + Family Monthly Rate

$50,000 $.90 $1.30
$100,000 $1.80 $2.60
$150,000 $2.70 $3.90
$200,000 $3.60 $5.20
$250,000 $4.50 $6.50
$300,000 $5.40 $7.80
$350,000 $6.30 $9.10
$400,000 $7.20 $10.40
$450,000 $8.10 $11.70
$500,000 $9.00 $13.00



Employees can choose from two coverage levels: (NCFlex Accidental Death & Dismemberment Plan)

  • Employee Only
  • Employee + Family (may be employee + spouse, employee + children or employee + family)

To enroll, go to the MyPack Portal and log in. Once logged in, under the employee self-service page> Click on the Benefits Details  Tile> My UNC Benefits (on the left–make sure your pop up blocker is off) and you will be logged in to the online enrollment system.

Coverage Changes

To enroll, go to the MyPack Portal and log in. Once logged in, click on FOR FACULTY & STAFF at the top in the black bar.  In the center of the page, you will see Employee Self Service.  Click on “Enroll in Benefits”, accept the campus Shibboleth ID notice (only during the first time you log in) and you will be logged in to the online enrollment system.  Changes made in the online enrollment system by the 10th of the month should be reflected in the next payroll.