Dismemberment & Permanent Total Disability Insurance
Dismemberment Coverage insures against the permanent loss of one or more limbs, loss of sight, hearing, and/or paralysis as a result of an accident.
In addition to Dismemberment, our high limit accidental death plan will also cover you in the event you are permanently and totally disabled (PTD) due to an accident.
Dismemberment/PTD coverage is available on all our accidental death plans:
- 24hour 7day Accidental Death
- Common Carrier Accidental Death
- Flight Accident Accidental Death
- 321 Accidental Death Plan
Description of coverage:
The coverage pays the benefit amount according to the schedule of benefits below in the event that the insured under the policy either experiences one of the following injuries as a result of an Accident:
- Paralysis
- Blindness
- Deafness
- Total andPermanent Disability (PTD)
- Total and Permanent Loss of two or less Limbs
| Schedule of benefits | |||
| Loss of sight of both eyes | 100% | ||
| Loss of sight in one eye | 50% | ||
| Loss of limb involving two or more limbs | 100% | ||
| Loss of limb involving only one limb | 50% | ||
| Loss of sight of one eye & loss of one limb | 100% | ||
| Total / Irrecoverable Loss of hearing in one ear | 50% | ||
| Total / Irrecoverable Loss of hearing in both ears | 100% | ||
| Total / Irrecoverable Loss of speech | 100% | ||
| Permanent and Total Disablement | 100% | ||
Things to consider with Accidental Death Insurance:
- 1. No medical exam required
- 2. Benefit is paid in single lump sum
- 3. Benefit is payable in addition to any other coverage
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