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Accidental Death & Dismemberment (AD&D) Benefit

The Accidental Death & Dismemberment benefit pays the amount shown if you suffer a Covered Loss resulting from a Covered Accident. If you sustain more than one covered loss as a result of the same covered accident, only the largest available benefit will be paid. If the loss results in death, benefits will only be paid under the loss of life benefit provision.


Schedule of Benefits:

Principal Sum - Member, Spouse, Child(ren)  $10,000
Loss of Life  100%
Loss of Both Hands  100%
Loss of Both Feet  100%
Loss of the Entire Sight of Both Eyes  100%
Loss of One Hand and One Foot  100%
Loss of Speech and Hearing  100%
Loss of One Hand and One Foot and Entire Sight of One Eye  100%
Loss of One Hand or One Foot  50%
Loss of Entire Sight of One Eye  50%
Loss of Speech or Hearing  50%
Loss of Hearing in One Ear  25%


Accident Death and Dismemberment Benefits are providing as shown in the Schedule of Benefits and pays the member or beneficiary up to the benefit amount listed for the member's death or dismemberment due to a covered accident.

Percentage related to the Principal Sum benefit as shown above for the Primary, Spouse and Child(ren)



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*See Disclosures and Terms

Not available in all States

The information contained herein is offered as insurance industry guidance and provided as an overview of current market risks and available coverages and is intended for discussion purposes only. This publication is not intended to offer legal advice or client-specific risk management advice. Any description of insurance coverages is not meant to interpret specific coverages that you may already have in place or that may be generally available. General insurance descriptions contained herein do not include complete insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. Actual insurance certificates must always be consulted for full coverage details and analysis.

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