If as the result of a covered accident you (or your covered dependent)...
-
Die, or
-
Lose a limb or sight
... within 90 days after (and as a result of) a covered accident that occurs while you (or the dependent) are covered under this Plan, you or your beneficiary(ies) will receive a benefit.*
The actual benefit amount will be based on the extent of the loss, as shown in the table below.
| AD&D Benefit Payment Schedule |
| If You (Or a Dependent)...* |
AD&D Insurance Pays... |
|
Die
Lose both hands, both feet or sight in both eyes
Lose one hand and one foot
Lose a hand or foot, and sight in one eye
|
100% of coverage amount
|
|
Lose sight in one eye
Lose one hand or one foot
|
50% of coverage amount
|
|
Lose a thumb and index finger on the same hand
|
25% of coverage amount
|
|
|
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Exclusions
AD&D Insurance does not cover losses caused or contributed by...
-
A bodily disease or diagnostic, medical or surgical treatment (including a hernia of any kind); however, if the loss is caused by an infection that results directly from the injury or as a result of surgery needed because of this injury, this exclusion will not apply.
-
A mental infirmity.
-
Suicide or attempted suicide whether committed while sane or insane, or an intentionally self-inflicted injury.
-
War (declared or undeclared) or any act of war.
-
Air or space travel in instances in which the covered individual is other than:
-
a passenger with no duties at all on an aircraft being used only to carry passengers (with or without cargo), or
-
an employee acting as a crew member on an aircraft operated by the policyholder.
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Total Disability Feature
If you become totally disabled* as a result of an accident (the type of which is covered by this Plan) and you die more than 90 days after the accident while you are still disabled, your beneficiary(ies) may receive a death benefit.
The benefit amount payable, if any, will equal 100% of your coverage amount, less the amount of any dismemberment benefit payments you received as a result of the accident. To be eligible for this benefit, the accident causing the disability must have occurred while you were...
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