How Your Benefit Is Paid
Postretirement AD&D benefits are paid for covered losses if:
  • You are injured in an accident that happens when your Postretirement AD&D coverage is in effect, or
  • Your covered dependent is injured in an accident that happens when Postretirement AD&D coverage is in effect for them; and
  • The accident is the sole cause of injury, and that injury is the sole cause of the covered loss, and
  • The covered loss occurs not more than 12 months after the date of the accident.
The amount of Postretirement AD&D benefit payment is based on the level of coverage you elect and the type of loss that results from an accident, as follows:
Covered Loss
Benefit Amount
Life
Full Amount
One Hand
One-half of the Full Amount
One Foot
More than one of the above in any one accident
Full amount
The thumb and index finger of the same hand
One quarter of the Full Amount