All AFT members—working and retired—have a $5,000 Accidental Death & Dismemberment (AD&D) policy paid for by the AFT. In addition, many local affiliates offer additional local-paid AD&D insurance for their members. A completed beneficiary card ideally will be kept on file at the local union office. Order enough for your new members and have enough on hand for members who want to change or update their beneficiaries.