As a full-time faculty/staff member, you are covered for accidental death and dismemberment (AD&D) insurance.
Effective 6/1/2012, If your death is the result of a covered accident, your beneficiary will receive an additional accidental death benefit equal to the amount of your Basic Life Insurance election. This would be the greater of 1 x salary or $50,000 unless you elected to reduce your Basic Life benefit down to $50,000 to avoid imputed income. In that case, the amount of your AD&D benefit would be an additional $50,000. If you suffer the loss of a limb or the loss of eyesight as a result of a covered accident, you will receive 100% or 50% of the AD&D benefit, depending on the extent of the loss.