Accidental Death & Dismemberment
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Accidental Death, Dismemberment, Loss of Sight, and Speech and Hearing – The amount of the Principal Sum is $25,000 (unless the Enhanced AD&D Benefit is purchased). Enhanced AD&D Benefit (If Benefit Purchased) – The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage. The Enhanced AD&D Benefit is not available to children under 18 years of age.
If within 365 days after the date of a covered accident, the Insured Person’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of:
|Description of Loss||Indemnity|
|Both Hands or Both Feet or Sight of Both Eyes||Principal Sum|
|One Hand and One Foot||Principal Sum|
|Either Hand or Foot and Sight of One Eye||Principal Sum|
|Either Hand or Foot or Sight of One Eye||One-Half the Principal Sum|
Paralysis Benefit – If the Accident or Injury renders a Plan Participant Paralyzed within 365 days of the date of the Injury, in any one of the types of paralysis specified below, The Company will pay up to a maximum of $25,000 as follows:
|Type of Paralysis (Loss)||Indemnity|
Coma Benefit – If a covered Injury renders an Insured Person Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit equal to 1% of the maximum amount.
Seat Belt and Airbag Benefit – The Company will pay a benefit if the Insured Person suffers accidental death while operating, or riding as a passenger in an Automobile and he/she was wearing a properly fastened seat belt, properly installed by a factory authorized dealer and was positioned in a seat protected by a properly functioning Supplemental Restraint System, properly installed by a factory authorized dealer that inflates on impact.
Felonious Assault Benefit – The Company will pay a benefit if an Insured Person suffers one or more losses for which benefits are payable under the Accidental Dismemberment Benefit or Coma Benefit provided by the plan as a result of a Felonious Assault.
Home Alteration and Vehicle Modification – The Company will pay Covered Home Alteration and Vehicle Modification Expenses that are incurred within one year after the date of the accident causing such loss(es).
*Some Exclusions Apply*