ACCIDENTAL DEATH & DISMEMBERMENT
Benefits and Premiums
Members and spouses participating in the Term Life are eligible for this coverage. Coverage reduces by 50% on April 1 after age 66 and terminates on April 1 after age 71.
Maximum coverage: $500,000 (Up to the equivalent of your term life benefit.)
Monthly Premium per unit of $10,000: $.21
Accidental Loss and Loss of use of Schedule |
% of Principal Sum |
| Life | 100% |
| Both Arms or Both Legs or Feet or Sight of Both Eyes | 100% |
| One Hand or Foot and Sight of One Eye | 100% |
| One Hand and One Foot | 100% |
| Speech and Hearing | 100% |
| Quadriplegia, Paraplegia, Hemiplegia | 200% |
| One Arm or Hand or Leg or Foot | 80% |
| Entire Sight of One Eye | 75% |
| Speech or Hearing in Both Ears | 66.6% |
| Thumb and Index Finger of One Hand | 40% |
| Four Fingers of Either Hand or Hearing in One Ear | 33.3% |
| All Toes of One Foot | 25% |
| Critical Illness* | 10% |
In addition, the following benefits may be payable if your are in a covered accident:
| Repatriation | up to $15,000 |
| Spousal Retraining | up to $15,000 |
| Day Care / Education | up to $5,000 / 4 years |
The following benefits may be payable if you suffer an accidental loss paid under the loss schedule other than death:
| Rehabilitation | up to $15,000 |
| Eyeglasses, Contact Lenses and Hearing Aids | up to $1,000 |
| Family Transportation | up to $15,000 |
| Home Alteration or Vehicle Modification | up to $15,000 |
* Payable if you are diagnosed with one of the following diseases at least 90 days after this insurance becomes effective and become totally disabled for a period of nine months. Total disability is defined as the inability to perform any occupation. Benefits are limited to the first covered critical disease in a person's lifetime: Poliomyelitis, Parkinson's Disease, Huntington's Chorea, Multiple Sclerosis, Alzheimer's Disease, Type 1 Diabetes (Insulin Dependent), Amyotrophic Lateral Sclerosis (ALS), Peripheral Vascular Disease, Necrotizing Fascitis.
Limitations and Exclusions
"LOSS OF USE OF" must be total and irrecoverable and must be continuous for twelve consecutive months after which the benefit for Loss of Use is payable, provided damage is determined to be permanent. Any loss must be the result of an accident, must occur within 365 days of the accident, and must be complete and irrecoverable. Payment will be made only for one loss, the greatest sustained by the insured as the result of one accident. Losses caused by self inflicted injury, war, full-time service in the armed forces, medical treatment, or flying (except as a passenger on a valid commercial airline) are not covered. Notice of a claim must be provided within 30 days of an accident or diagnosis of a critical illness
