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Type of Loss
|
Benefit Amount Payable
|
|
Loss of life
Disappearance will be considered as loss of life after one year, and "exposure to the elements" will be treated as an accidental injury
|
100%
|
|
Loss of a hand permanently severed at or above the wrist but below the elbow
|
100%
|
|
Loss of a foot permanently severed at or above the ankle but below the knee
|
100%
|
|
Loss of an arm permanently severed at or above the elbow
|
75%
|
|
Loss of a leg permanently severed at or above the knee
|
75%
|
|
Loss of sight in one eye
|
50%
|
|
Loss of sight in both eyes
|
100%
|
|
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.
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|
Loss of any combination of hand, foot, or sight of one eye, as defined above
|
100%
|
|
Loss of the thumb and index finger of same hand or loss of four fingers on the same hand
|
25%
|
|
Loss of thumb or other finger means that the finger is permanently severed at or above the point at which it is attached to the hand.
|
|
Loss of all toes on one foot
|
25%
|
|
Loss of the big toe
|
13%
|
|
Loss of big toe or other toe means that the toe is permanently severed at or above the point at which it is attached to the foot.
|
|
Loss of speech and loss of hearing in both ears
|
100%
|
|
Loss of speech or loss of hearing in both ears
|
50%
|
|
Loss of hearing in one ear
|
25%
|
|
Loss of speech means the entire and irrecoverable loss of speech that continues for 6 consecutive months following the accidental injury.
Loss of hearing means the entire and irrecoverable loss of hearing that continues for 6 consecutive months following the accidental injury.
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|
Paralysis of both arms and both legs
|
100%
|
|
Paralysis of both legs
|
75%
|
|
Paralysis of the arm and leg on either side of the body
|
50%
|
|
Paralysis of one arm or leg
|
25%
|
|
Paralysis means loss of use of a limb, without severance. A Physician must determine the paralysis to be permanent, complete and irreversible.
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|
Brain Damage
|
100%
|
|
Brain Damage means permanent and irreversible physical damage to the brain causing the complete inability to perform all the substantial and material functions and activities normal to everyday life. Such damage must manifest itself within 30 days of the accidental injury, require a hospitalization of at least 5 days and persists for 12 consecutive months after the date of the accidental injury.
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|
Coma
|
1% monthly beginning on the 7th day of the Coma for the duration of the Coma to a maximum of 100 months
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Coma means a state of deep and total unconsciousness from which the comatose person cannot be aroused. Such state must begin within 30 days of the accidental injury and continue for 7 consecutive days.
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