Are Drug Overdose Deaths Covered Under an Accidental Death & Disability Policy?

In today's complex world of insurance, one frequently asked question is whether a death caused by a drug overdose is covered under an Accidental Death & Disability (AD&D) policy. The answer, as with many insurance matters, is not a simple yes or no. Instead, it depends on various factors, including the specific circumstances of the overdose and the terms of the insurance policy. In this post, we'll explore this topic and shed light on some general considerations. Accidental vs. Intentional Overdose First and foremost, to be covered under an AD&D policy, a death must result from an accident. This means [...]