Dismemberment

Fractional amounts of the policy will be paid out if the covered employee loses a bodily appendage or sight because of an accident. Additionally, AD&D generally pays benefits for the loss of limbs, fingers, sight and permanent paralysis. The types of injuries covered and the amount paid vary by insurer and package, and are explicitly enumerated in the insurance policy.

Coverage Types

There are two common types of group AD&D plans offered:

• Group Life Supplement - the AD&D benefit is included as part of a group life insurance contract, and the benefit amount is usually the same as that of the group life benefit;
• Voluntary - the AD&D is offered to members of a group as a separate, elective benefit, and premiums are generally paid as a payroll deduction;
• Travel Accident (Business Trip) - the AD&D benefit is provided through an employee benefit plan and provides supplemental accident protection to workers while they are traveling on company business (the entire premium is usually paid by the employer);

ACCIDENT:  It is considered an accident any event induced by an external, unexpected, fortuitous and violent source; that bodily injures to the Insured.
Intentional injured is not considered an accident when is caused by the Insured itself.
Personal Accident Insurance is not Life Assurance
Accidental Death and Dismemberment Insurance, pays a benefit in the event of an accidental death. It also pays a full or partial benefit in the event of dismemberment, medical expenses because of an accident or disability induced from an accident.

When there is death, the beneficiary is the family designated by the Insured.
When there is an accident the primary beneficiary is the Insured and the following beneficiaries are those (relatives) designated by the Insured.