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Life and AD&D Insurance
Accidental Death & Dismemberment (AD&D)
Benefits
AD&D coverage pays benefits to either your beneficiary for the loss
of your life or to you for the loss of your sight, hand, foot, hearing
or speech as the result of an accident. AD&D benefits are in addition
to your life insurance through the School District. Benefits are paid
only if you are insured at the time of the loss, the loss is within 365
days of the accident that caused it, and the loss results directly from
the accident and from no other cause.
The following table shows the AD&D benefit amounts for each specific
type of loss:
| Type of Loss |
Amount of Benefit* |
Benefit Recipient |
| Life |
100% of your life insurance benefit |
Your beneficiary |
| Both hands, both feet, or sight in both eyes |
100% of your life insurance benefit |
You |
| Both hearing and speech |
100% of your life insurance benefit |
You |
| Hearing or speech |
50% of your life insurance benefit |
You |
| One hand, one foot, or sight in one eye |
50% of your life insurance benefit |
You |
| Thumb and index finger of the same hand |
25% of your life insurance benefit |
You |
*The maximum AD&D benefit payable for all losses
resulting from a single accident is the full amount of your life insurance
benefit depending on your age at the time of loss.
What Is Not Covered by AD&D Insurance
This coverage is for losses caused by accidents. No benefits are payable for
a loss caused or contributed to by:
- to which sickness, disease, or myocardial infarction, including
medical or surgical treatment thereof, is a contributing factor; or
- caused by suicide, or intentionally self-inflicted injuries; or
- caused by or resulting from war or any act of war, declared or undeclared;
or
- caused by an accident that occurs while in the armed forces of any
country, except as shown under the Reserve- National Guard Benefit
(any premium paid to us for any period not covered by this Policy while
the Insured is in such service will be returned pro rata); or
- caused by or resulting from riding in, getting into or out of any
aircraft, unless:
- the Insured Person is a passenger (not a pilot or
crew member) in a tested and approved civilian aircraft being
operated as passenger transport in compliance with the then current
rules of the authority having jurisdiction over its operation;
and
- the aircraft is not owned, leased or operated by or
on behalf of you, the Insured Person or any other employer of the
Insured Person, unless a specific written agreement has been obtained
from us; or
- sustained during the Insured Person's commission or attempted commission
of an assault or felony.
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