Basic Accidental Death and Dismemberment Insurance
The plan provides accidental death and dismemberment insurance coverage in an amount equal to your basic group life insurance (two times your current annual salary to a maximum of $1,000,000). Coverage is provided 24 hours per day, anywhere in the world, for any accident resulting in death, dismemberment, paralysis, loss of use of, or loss of speech or hearing.
In order to be covered by this benefit, all losses must result directly and independently of all other causes from bodily injuries suffered by accidental, external and violent means. Death caused by accidental drowning shall also be covered. Death or loss must occur within 365 days from the date of the accident causing such loss. In the case of accidental death, the benefit will be paid to the beneficiary you have named to receive your group life insurance benefits.
The amount payable shall be the following percentage of the amount of Accidental Death and Dismemberment Insurance for which you are insured on the date of the injury. The maximum amount payable for all losses sustained as a result of the same accident shall not exceed 100% of the amount of insurance. Only one amount, the largest applicable, will be payable for injuries to the same limb resulting from any one accident.
- Loss of life - 100%
- Loss of both hands or both feet - 100%
- Loss of one hand and one foot - 100%
- Loss of the entire sight of both eyes - 100%
- Loss of one hand and the entire sight of one eye - 100%
- Loss of one foot and the entire sight of one eye - 100%
- Loss of use of both arms or both legs or both hands - 100%
- Loss of speech and loss of hearing in both ears - 100%
- Quadriplegia - 200%
- Parapelgia - 200%
- Hemiplegia - 200%
- Loss of or loss of use of one arm or one leg - 100%
- Loss of or loss of use of one hand or one foot - 100%
- Loss of the entire sight of one eye - 100%
- Loss of speech or loss of hearing in both ears - 100%
- Loss of thumb and index finger on one hand - 66 2/3%
- Loss of four fingers on one hand 66 2/3%
- Loss of hearing in one ear - 66 2/3%
- Loss of all the toes on one foot - 33 1/3%
Loss of use means, with regard to arms, hands and legs, the total loss of ability to perform each and every action and service the arm, hand, or leg was able to perform before the accidental occurred. Loss of use must be total and irrecoverable and beyond remedy by surgical or other means.
Loss of entire sight means that it is total and irrecoverable. Loss of entire sight is also deemed to have occurred if sight cannot be restored to better than 20/20 vision by surgical or other means (i.e. spectacles).
Loss of speech means irrecoverable loss which does not allow audible communication through surgical or other means.
Loss of hearing means irrecoverable loss which cannot be corrected through surgical treatment, hearing aid or device.
Quadriplegia means total paralysis or both the upper and lower limbs. Hemiplegia means total paralysis of the upper and lower limbs on one side of the body. Paraplegia means total paralysis of both lower limbs.
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