AD&D claims arise out of injuries sustained in an accident. Many group benefit plans through work include coverage for Accidental Death and Dismemberment. Some private life and disability insurance policies also include AD&D coverage, or you might have AD&D insurance through a credit card you carry. The policy usually specifies a lump-sum payment. Payments are made for death and a list of other losses, the most obvious being loss of a limb, blindness, or other forms of dismemberment. Many claims hinge on whether “total loss of use” has occurred, as defined in the policy. When a claim has been denied, then Share Lawyers might be able to pursue the claim on your behalf. A copy of the policy is always required, along with applicable medical documentation, to establish whether the accidental injury is serious enough to support a successful claim.