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Understanding The Benefit

If you are covered under the AD&D Plan, you will receive an AD&D benefit if you suffer an accidental injuryBodily harm caused by an accident. The injury must also result, for the purposes of accidental death and dismemberment coverage, directly and independently of all other causes, in a loss covered by the plan. and a loss resulting directly from the injury or from an injury that occurs within 365 days of the accident.

The maximum AD&D benefit that will be paid for all losses resulting from one accident is $5,000. The amount you receive depends on the extent of the injury:

For Loss Of... The Benefit Paid Is...
Life
$5,000
One hand
$2,500
One foot
$2,500
One eye
$2,500
Speech or hearing
$2,500
Thumb and index finger on either hand
$1,250
Movement of both upper and both lower limbs (quadriplegia)
$5,000
Movement of three limbs (triplegia)
$3,750
Movement of both lower limbs (paraplegia)
$3,750
Movement of both the upper and the lower limb on one side of the body (hemiplegia)
$1,250
Movement of one limb (uniplegia)
$1,250
More than one of the above, resulting from one accident
$5,000 or the sum of the benefits payable for each loss (whichever is less)

Seat Belt Benefit

You may be eligible for a seat belt benefit if you suffer an AD&D loss while operating or riding as a passenger in an automobile. If you were wearing a seat belt at the time of the accident, 10% of your AD&D benefit will be paid in addition to the AD&D benefit.

The police report must attest to the fact that you were wearing a seat belt at the time of the accident, or the benefit will not be paid.

Air Bag Benefit

If you are eligible for a seat belt benefit, then an additional 5% of your AD&D benefit will also be paid if:

  • You were in a seat that was equipped with a factory-installed air bag; and
  • You were using your seat belt when the air bag inflated.

In addition, the police report must indicate that the air bag inflated properly upon impact or the benefit will not be paid.