Accidental Death and Dismemberment

 

Accidental Death and Dismemberment Insurance (AD&D) helps protect you and your family from the unforeseen financial hardship of an accident that causes loss of life or serious injury. It protects you from covered injuries such as loss of speech, hearing, sight, limb, or other losses. It also covers loss of life due to a covered accident. Benefit levels (principal sum) are available from as low as $1,000 up to a max $500,000. In the event of a covered accident occurring to a member, spouse, or dependent child, a lump sum payment will be made according to the policy and principal sum.

 

Covered Persons

Percentage of Principal Sum

Eligible Member

100% of Principal Sum

Spouse

50% of Principal Sum

Dependent Children

25% of Principal Sum

 

 

 

 

 

 

 

Covered Losses

Benefit Amount

Life

100% of Principal Sum

Life: Two or more Covered Persons covered under the

same Policy in the same Covered Accident

200% of Principal Sum for all Covered Persons covered

under the Policy

Loss of both Hands or both Feet or sight of both Eyes

100% of Principal Sum

Loss of one Hand and one Foot

100% of Principal Sum

Loss of one Hand or one Foot and sight of one Eye

100% of Principal Sum

Loss of Speech and Hearing

100% of Principal Sum

Loss of one Hand or one Foot or sight of one Eye

50% of Principal Sum

Loss of Speech or Hearing

50% of Principal Sum

Loss of Thumb and Index Finger on the Same Hand

25% of Principal Sum]