If within one year from the date of the accident, injury results in any of the following specific losses, the Plan pays a sum for injury resulting from an accident. Each sum is calculated based on the amount of principle sum.
Percentage of Principle Sum | ||
---|---|---|
For Loss of: | Member/ Spouse | Dependent Children |
Life | 100% | 100% |
Both hands | 100% | 400%*** |
Both feet | 100% | 400%*** |
Entire sight of both eyes | 100% | 400%*** |
One hand and one foot | 100% | 400%*** |
One hand and entire sight of one eye | 100% | 100% |
One foot and entire sight of one eye | 100% | 100% |
Speech and hearing in both ears | 100% | 400%*** |
One arm or one leg | 100% | 200%**** |
One hand or one foot | 100% | 100% |
Entire sight of one eye | 100% | 100% |
Speech | 100% | 200%**** |
Hearing in both ears | 100% | 200%**** |
Thumb and index finger of the same hand | 100%** | 200% |
Hearing in one ear | 100%*** | 25% |
Use of both arms or both hands | 100% | 100% |
Use of both legs or both feet | 100% | 100% |
Use of one arm or one hand | 100% | 75% |
Use of one leg or one foot | 100% | 75% |
Paralysis benefits: | ||
Quadriplegia (all four limbs) | 100% | 400%*** |
Paraplegia (both lower limbs) | 100% | 200%**** |
Hemiplegia (upper and lower limbs of one side of body) | 100% | 200%**** |
** The maximum benefit amount payable will not exceed a total of $250,000. | ||
*** The maximum benefit amount payable will not exceed a total of $200,000. | ||
**** The maximum benefit amount payable will not exceed a total of $100,000. |
“Loss” means, with regard to:
Hands and feet: | Actual severance through or above the wrist or ankle joint; |
Arms and legs: | Actual severance through or above the elbow or knee joint; |
Thumbs and fingers: | Actual severance through or above the metacarpophalangeal joints; |
Eyes: | Entire and irrecoverable loss of sight; |
Speech and hearing: | Entire and irrecoverable loss of speech and/or hearing; |
Paralysis: | Permanent and irrecoverable paralysis; |
Loss of use: | Permanent, total and irrecoverable loss of use. The loss of use must be continuous for 12 months from the date of accident. |
The total benefit paid for all losses sustained by one person as a result of any one accident will not exceed the principle sum.
Only one benefit, the largest, is payable to each insured for all losses resulting from one accident.