For purposes of Accidental Death and Dismemberment (AD&D) policies, Loss is defined as:

1. Loss of a hand means total severance at or above the wrist;
2. Loss of a foot means total severance at or above the ankle joint;
3. Loss of sight, speech, or hearing means the entire and irrevocable loss of the function;
4. Loss of thumb and index finger means total severance of each at or above the joint closest to the wrist, without loss of the entire hand;
5. Loss of use of hands or feet means total and irrevocable loss of voluntary movement;
6. Total paralysis of both arms and legs for quadriplegia;
7. Total paralysis of both legs for paraplegia;
8. Total paralysis of the arm and leg on the same side of the body for hemiplegia.