Flexibility Handbook 2003

AD&D Covered Losses and Benefit Amounts

Flexibility Handbook

Covered Losses (Subject to Exclusions)	Benefit Amounts
Life	Full Amount
A hand	One-half of the Full Amount
A foot	One-half of the Full Amount
Sight of an eye	One-half of the Full Amount
Any combination of a hand, a foot or sight of an eye	Full Amount
Thumb and index finger of same hand	One-quarter of the Full Amount
Speech and hearing	Full Amount
Speech or hearing in both ears	One-half of the Full Amount
Quadriplegia	Full Amount
Paraplegia	One-half of the Full Amount
Hemiplegia	One-half of the Full Amount

Loss of sight of an eye means that the eye is entirely blind and that no sight can be restored in that eye.
Loss of a hand means that all of the hand is cut off at or above the wrist.
Loss of a foot means that all of the foot is cut off at or above the ankle.
Loss of thumb and index finger means actual severance through or above the third joint from the tip of the index finger and the second joint from the tip of the thumb.
Loss of speech and hearing means the entire and irrevocable loss which has lasted continuously for 12 consecutive months following the injury.