Section 5: > How The Accidental Death And Dismemberment (AD&D) Plan Works > Understanding The Benefit
Understanding The Benefit
If you're covered under the AD&D Plan, you'll receive an AD&D benefit
if you suffer an accidental injury 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) |
$2,500 |
| 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're 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.
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