Note that benefits paid for all losses from a single accident are limited to the payment for the most severe loss. Loss of hand or foot means the complete severance at or above the wrist or ankle joint. Loss of eyesight means the total and irrecoverable loss of the entire sight of the eye.

Beneficiary

Generally, all benefits are paid to the employee. However, in the event of your death due to an accident, AD&D benefits are paid to your beneficiary¾the person you have named to receive your death benefit. You name a beneficiary when you join the Plan, and you may change your beneficiary at any time by completing and signing a new history card. For more information on payments to beneficiaries.

Exclusions And Limitations

AD&D benefits are not paid for any loss due to:

Bodily or mental infirmity, sickness, or disease of any kind.


Intentional self-destruction or self-inflicted injury.


War, whether declared or undeclared, or any act of war.


Participation in an act that is in violation of a state or federal statute.