LIFE INSURANCE

Accidental Death & Dismemberment Insurance

Accidental Death and Dismemberment (AD&D) insurance coverage pays a benefit if you die or suffer certain injuries — such as the loss of a limb or eyesight — as the result of an accident.

You are automatically covered by AD&D insurance in the same amount as your basic life insurance. If you get a base pay increase, the amount of your AD&D insurance will increase. If you are not actively at work on this date, your coverage increase will become effective the day you return to work.

Benefits will be payable if the injury or death results within 365 days after the date of the accident. The maximum benefit that will be paid as the result of any one accident is 100% of your AD&D benefit.

AD&D death benefits, in addition to your life insurance benefits, are payable to your beneficiary if you die as the result of a covered accident. Benefits for other losses are payable to you.

The chart below shows the AD&D benefit that would be payable for specific accidental losses.

Type of Loss	Benefit Payable
Life	100% Principal Sum
Use of both hands or both feet	100% Principal Sum
Use of one hand and one foot	100% Principal Sum
Sight of both eyes	100% Principal Sum
Speech and hearing in both ears	100% Principal Sum
Use of either hand or foot and sight of one eye	100% Principal Sum
Movement of both upper and lower limbs (Quadriplegia)	100% Principal Sum
Movement of both lower limbs (Paraplegia)	75% of Principal Sum
Movement of three limbs (Triplegia)	75% of Principal Sum
Movement of the upper and lower limbs of one side of the body (Hemiplegia)	50% of Principal Sum
Either hand or foot	50% of Principal Sum
Sight of one eye	50% of Principal Sum
Speech or hearing in both ears	50% of Principal Sum
Use of four fingers - same hand	25% of Principal Sum
Thumb and index finger of either hand	25% of Principal Sum

Other Benefits

Type of Benefit	Benefit Payable
Home Alteration and Vehicle Modification Benefit - Payable for the one-time cost of alterations to the primary residence to make it wheelchair accessible and habitable	Lesser of 10% of Principal Sum or $10,000
Monthly Coma Benefit	1% of Principal Sum amount for 100 months
Seat Belt	Additional benefit of 10% of Principal Sum to a maximum of $25,000
Air Bag	Additional benefit of 5% of Principal Sum to a maximum of $25,000
Day Care	Additional benefit of 3% of Principal Sum to a maximum of $3,000 per year for each eligible child for up to 4 years
Surviving Spouse Education Benefit	Additional benefit of $5,000 for expenses incurred within 30 months
Critical Burn	Additional benefit of lesser of 10% of Principal Sum or $10,000
Conversion of Insurance	Lesser of previous Principal Sum or $250,000
Rehabilitation	Additional benefit of lesser of actual expenses incurred within 2 years, 5% of Principal Sum or $5,000
Car Jacking	Maximum additional benefit of lesser of 10% of Principal Sum or $10,000
Aircraft Coverage	Covered if the person is riding as a passenger in or on, boarding or alighting from: any civilian aircraft having a current or valid airworthiness certificate and pilot certificate; any transport type aircraft operated by the Military Airlift Command of the US or governmental authority
Travel Assist	Medical, information, personal, legal assistance available 24 hours a day, 7 days a week when traveling 100+ miles from home

Losses Not Covered
You will not receive AD&D benefits for any loss resulting from:

• Intentionally self-inflicted injury;
• Suicide or attempted suicide, whether sane or insane;
• War or act of war, whether declared or not;
• Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority;
• Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician;
• Injury sustained while committing or attempting to commit a felony; or
• Injury sustained while intoxicated.

Reduction of Basic Life and AD&D Insurance Coverage
At age 70, your basic life and AD&D insurance coverage will be reduced to 65% of the amount in effect on the day before your 70th birthday. At age 75, coverage will be reduced to 50% of the amount in effect on the day before your 75th birthday.