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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.

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