When are benefits payable?
The AD&D benefit is a percentage of the Principal Sum based on the type of Loss as shown below:
|Accidental Loss Of||Percentage of Principal Sum|
|Both hands or both feet or sight of both eyes||100%|
|One hand and one foot||100%|
|Either hand or foot and sight of one eye||100%|
|One hand or one foot||50%|
|Sight of one eye||50%|
|Speech and hearing||100%|
|Paraplegia, quadriplegia, or hemiplegia||100%|
|Maximum any one accident||100%|
The Loss must occur within 365 days of the accident.