Kimberly Clark

Accidental Death & Dismemberment Insurance

How the Plan Works

Accidental Death & Dismemberment (AD&D), adminstered by Zurich and formally known as Personal Accident Insurance, pays a benefit if you or your covered spouse experience a covered loss or injury as the result of a non-workplace accident.

The covered loss or injury must result from:

  • A covered accident and from no other cause;
  • Death, dismemberment, loss of sight, hearing or speech; or total and permanent disability within one year of the covered accident.

The level of benefit paid will vary depending on the severity of the accidental injury or disability. For specific plan details including conditions and exclusions, see the Summary Plan Descriptions on K-C Benefit Compass. Click on the Plan Information tile, scroll down, and choose Summary Plan Descriptions and Policy Booklets.

Coverage Limits

You can choose to purchase coverage in $10,000 increments for:

  • Yourself, up to a maximum of $1,000,000; and
  • Your spouse/partner, for 50% of your coverage amount up to a maximum of $500,000.


This site is provided to help Kimberly-Clark (K-C) employees better understand their benefit plans. It does not guarantee coverage under a plan and does not provide complete descriptions of K-C benefit plans. K-C reserves the right to change these plans at any time. In all cases, the formal Plan Documents will govern.

If you are an organized hourly employee covered by these plans, see your HR representative or other person designated at your unit for information on how your plan(s) may differ from the information on this site. You may also call the Benefits Information Line at 800-551-2333. Empyrean representatives are available Monday through Friday, 9 a.m. to 5 p.m. ET and Fidelity representatives are available Monday through Friday, 8:30 a.m. to 8:30 p.m. ET. From outside the U.S., dial your country’s toll-free AT&T Direct Access number then enter 800-551-2333.