Your Accidental Death & Dismemberment (AD&D) Schedule of Benefits
Your Schedule of Benefits outlines key details about your coverage, including benefit amounts and plan highlights.
Terms you should know
Here are a few important terms to understand:
- Basic AD&D Full Amount – The total benefit paid if a covered loss qualifies for 100% payout.
- Maximum Basic AD&D Benefit – The highest amount your plan will pay.
- Schedule of Covered Losses – A table that lists specific injuries or losses (e.g., loss of life, limbs, sight, or coma) and the percentage of the full benefit payable for each.
Please note, your plan may include additional options tailored to your employer. For full definitions and details, refer to your Schedule of Benefits or Certificate of Insurance. To obtain your specific Schedule of Benefits or Certificate, contact your employer or our Customer Service team.
An example is below.
Sample AD&D Schedule of Benefits
| Benefit | Benefit amounts and highlights |
|---|---|
| Basic AD&D Full Amount |
An amount equal to Basic Life Insurance on You |
| Maximum Basic AD&D Benefit |
$650,000 |
Schedule of Covered Losses
Also important in your AD&D Schedule of Benefits is the Schedule of Covered Losses, sometimes called the dismemberment schedule. The Schedule of Covered Losses is a detailed chart that outlines the specific injuries or conditions that qualify for benefits and the percentage of the full amount of the policy’s principal sum that will be paid out for each.
For example, if your AD&D benefit is $100,000 and the Covered Loss Percentage is 20%, then the policy will pay out $20,000.
Please note, your plan may include additional options tailored to your employer. For full definitions and details, refer to your Schedule of Benefits or Certificate of Insurance. To obtain your specific Schedule of Benefits or Certificate, contact your employer or our Customer Service team.
All amounts listed are stated as percentages of the Full Amount.
Sample Schedule Of Covered Losses
| COVERED LOSS | COVERED PERCENTAGE |
|---|---|
| Loss of life | 100% |
| Loss of both arms and both feet | 100% |
| Loss of a hand permanently severed at or above the wrist but below the elbow |
50% |
| Loss of a foot permanently severed at or above the ankle but below the knee |
50% |
| Loss of sight in both eyes | 100% |
| Loss of sigh in one eye | 50% |
Loss of sight means permanent and uncorrectable loss of sight in the eye. Visual acuity must be 20/200 or worse in the eye or the field of vision must be less than 20 degrees. |
|
Loss of any combination of hand, foot, or sight of one eye, as defined above |
100% |
| Coma | 1% monthly, beginning on the 31st day of the Coma and for the duration of the Coma to a maximum benefit |
| Coma means a state of deep and total unconsciousness from which the comatose person cannot be aroused. Such state must begin within 90 days of the accidental injury and continue for 30 consecutive days. |