Benefits are paid based on the extent of an insured’s injuries resulting from a covered accident. The benefits specified in this section will be paid if the resulting loss(es) occur within 365 days of the accident that caused the injuries.
Full Principal Sum paid.
You will receive the full Principal Sum of your coverage if an accident results in the loss of one or more of the following:
- Life of the insured
- Two limbs
- Movement of both upper and lower limbs (quadriplegia)
- Sight in both eyes
- Both speech and hearing
- One limb and sight in one eye
75% of Principal Sum paid. You will receive 75% of your Principal Sum for the loss of:
- Movement of both lower limbs (paraplegia)
50% of Principal Sum paid.
You will receive half your Principal Sum for loss of:
- One limb
- Movement of both upper and lower limbs on one side of the body (hemiplegia)
- Sight in one eye
25% of Principal Sum paid.
You will receive one-quarter of your Principal Sum for the loss of the thumb and index finger of either hand.
Benefit payment for multiple injuries:
You can receive benefits payments for multiple injuries. For example, if a single accident caused the loss of your thumb and sight in one eye, you would receive 75% of the Principal Sum (50% for the loss of sight in one eye and 25% for the loss of your thumb).
However, the total benefit payable for all losses due to a single accident will not be more than the Principal Sum. Only one of the sums, the largest, will be paid for all injuries to the same limb resulting from one accident.
How “loss” is defined:
- Limbs: Severance through or above the wrist or ankle joints
- Thumb and index finger: Severance through or above the metacarpophalangeal joints
- Sight, speech, and hearing: Complete and irrevocable loss of those capabilities
- Movement: Complete and irreversible paralysis of the limbs
If an insured is riding in a conveyance that either disappears or sinks as a result of an accident and the insured's body is not found within one year after that accident, the insured will be presumed dead as a result of accidental injury. The full Principal Sum will be payable.
Military Air Travel Benefit:
If a covered person is recalled to service or is serving in the reserves, coverage will double, up to $150,000, while the covered person is a passenger on any transport type aircraft operated by the U.S. Military Airlift Command.