Accidental Death and Dismemberment
Accidental Death Benefit:
- 1 times annual earnings rounded to the next higher $1,000 to a maximum of $300,000
Accidental Dismemberment:
A benefit is paid if you suffer a loss (or use) of limb and/or sight as listed below:
- 200% of Principal Sum for:
- Paraplegia
- Quadriplegia
- Hemiplegia
- 100% of Principal Sum for loss of:
- Life
- Both hands or feet or entire sight of both eyes
- One hand and one foot
- One hand and entire sight of one eye
- One foot and entire sight of one eye
- Speech and/or hearing
- Use of both arms or both hands
- One arm or one leg or use thereof
- Use of one hand or one foot
- 50% of Principal Sum for loss of: Hearing in one ear
- 33% of Principal Sum for loss of: Thumb and index finger of one hand or four fingers of one hand
- 25% of Principal Sum for loss of: All toes of one foot
Additional Provisions:
Employees may also be entitled to additional benefits including:
- Repatriation costs (up to $15,000)
- Rehabilitation costs for re-training (up to $15,000)
- Education costs for Dependent Children (up to $10,000/year)
- Spousal Education Benefit (up to $15,000)
- Home Alteration and Vehicle Modification
- Psychological Therapy (up to $5,000)
- In Hospital Benefit (up to $2,500 per month)
- Seat Belt Benefit (an additional 10% of the principal sum) – Day Care Benefit
Accidental Death and Dismemberment Reduction:
Coverage will reduce at age 65 to 25% of the face value and terminate at age 75.
