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
Life 100%
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.