The Optional Benefits below are provided only if the Member applies for and is issued Additional Coverage and if Family Coverage is applied for and is issued, the amounts of such coverage will be:
Accidental Death & Dismemberment (AD&D) Insurance provides coverage 24 hours a day, worldwide, on and off the job and while traveling for business or pleasure and applies to accidental loss of life, dismemberment or paralysis that occurs within a year of a Covered Accident according to the following schedule:
- Accidental loss of: life; or speech and hearing; or speech and one of a hand, foot or sight of an eye; or hearing & one of a hand, foot or sight of an eye; or both hands; or both feet; or sight of both eyes; or a combination of any two of a hand, a foot or sight of an eye; or accidental quadriplegia*: 100% of Elected Benefit Amount
- Accidental paraplegia*: 75% of Elected Benefit Amount
- Accidental loss of one hand; or one foot; or sight of one eye; or speech; or hearing; or accidental hemiplegia*: 50% of Elected Benefit Amount
- Accidental loss of: thumb and index finger of the same hand; or accidental uniplegia*: 25% of Elected Benefit Amount
If an insured person has multiple losses as the result of one accident, the policy will only pay the single largest benefit amount applicable.
*Benefit amounts for Quadriplegia, Paraplegia, Hemiplegia and Uniplegia are applicable for Additional Coverage only and are not payable until an insured person has been a quadriplegic, paraplegic, hemiplegic or uniplegic for 365 continuous days.