Hartford PT - AD&D - Benefits

Benefits

 
Accidental Death and Dismemberment Benefit

When is the Accidental Death and Dismemberment Benefit payable?
If You sustain an Injury that results in any of the following Losses within 365 days of the date of accident, We will pay Your amount of Principal Sum, or a portion of such Principal Sum, as shown opposite the Loss after We receive Proof of Loss, in accordance with the Proof of Loss provision.

This Benefit will be paid according to the General Provisions of The Policy.

We will not pay more than the Principal Sum to any one person, for all Losses due to the same accident. Your amount of Principal Sum is shown in the Schedule of Insurance.

For Loss Of Benefits
 
Life Principal Sum
Both Hands or Both Feet or Sight of Both Eyes Principal Sum
One Hand and One Foot Principal Sum
Speech and Hearing in Both Ears Principal Sum
Either Hand or Foot and Sight of One Eye Principal Sum
Movement of Both Upper and Lower Limbs (Quadriplegia) Principal Sum
Movement of Both Lower Limbs (Paraplegia) Three-Quarters of Principal Sum
Movement of Three Limbs (Triplegia) Three-Quarters of Principal Sum
Movement of the Upper and Lower Limbs of One Side of the Body (Hemiplegia) One-Half of Principal Sum
Either Hand or Foot One-Half of Principal Sum
Sight of One Eye One-Half of Principal Sum
Speech or Hearing in Both Ears One-Half of Principal Sum
Movement of One Limb (Uniplegia) One-Quarter of Principal Sum
Thumb and Index Finger of Either Hand One-Quarter of Principal Sum

 
Loss means with regard to:

  1. hands and feet, actual severance through or above wrist or ankle joints;
  2. sight, speech and hearing, entire and irrecoverable loss thereof;
  3. thumb and index finger, actual severance through or above the metacarpophalangeal joints; or
  4. movement, complete and irreversible paralysis of such limbs.
Exposure and Disappearance

What if Loss is due to exposure or disappearance?
Exposure to the elements will be presumed to be Injury if:

  1. it results from the forced landing, stranding, sinking or wrecking of a conveyance in which You were an occupant at the time of the accident; and
  2. The Policy would have covered an Injury resulting from the accident.

We will presume that You suffered Loss of life if:

  1. the person’s body has not been found within one year after the disappearance of a conveyance in which he or she was an occupant at the time of its disappearance;
  2. the disappearance of the conveyance was due to its accidental forced landing, stranding, sinking or wrecking; and
  3. The Policy would have covered an Injury resulting from the accident.
Seat Belt Benefit

When is the Seat Belt Benefit payable?
If You sustain an Injury that results in a Loss payable under the Accidental Death and Dismemberment Benefit, We will pay an additional Seat Belt Benefit if the Injury occurred while You were:

  1. a passenger riding in; or
  2. the licensed operator of;

a properly registered Motor Vehicle and was wearing a Seat Belt at the time of the Accident as verified on the police accident report.

This Benefit will be paid:

  1. after We receive Proof of Loss, in accordance with the Proof of Loss provision; and
  2. according to the General Provisions of The Policy.

The Seat Belt Benefit is the lesser of:

  1. an amount resulting from multiplying Your amount of Principal Sum by the Seat Belt Benefit Percentage; or
  2. the Maximum Amount for this Benefit.

If it cannot be determined that You were wearing a Seat Belt at the time of Accident, a Minimum Benefit will be payable under the Seat Belt Benefit.

Accident, for the purpose of this Benefit only, means the unintentional collision of a Motor Vehicle during which You were wearing a Seat Belt.

Seat Belt means:

  1. an unaltered belt, lap restraint, or lap and shoulder restraint installed by the manufacturer of the Motor Vehicle, or proper replacement parts installed as required by the Motor Vehicle’s manufacturer’s specifications; or
  2. a child restraint device that meets the standards of the National Safety Council and is properly secured and used in accordance with applicable state law and installed according to the recommendations of its manufacturer for children of like age and weight.

The Seat Belt Benefit will not be payable if You are operating the Motor Vehicle at the time of Injury while:

  1. Intoxicated; or
  2. taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician.

Intoxicated means:

  1. the blood alcohol content;
  2. the results of other means of testing blood alcohol level; or
  3. the results of other means of testing other substances;

that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.

The specific amounts for this Benefit are shown in the Schedule of Insurance.

Repatriation Benefit

When is the Repatriation Benefit payable?
If You sustain an Injury that results in Loss of life payable under the Accidental Death and Dismemberment Benefit, We will pay an additional Repatriation Benefit, if the death occurs outside the territorial limits of the state or country of Your place of permanent residence.

This Benefit will be paid:

  1. after We receive Proof of Loss, in accordance with the Proof of Loss provision; and
  2. according to the General Provisions of The Policy.

The Repatriation Benefit will pay the least of:

  1. the actual expenses incurred for:
    • preparation of the body for burial or cremation; and
    • transportation of the body to the place of burial or cremation;
  2. the Maximum Amount for this Benefit.

The specific amounts for this Benefit are shown in the Schedule of Insurance.

Child Education Benefit

When is the Child Education Benefit payable?
If You sustain an Injury that results in Loss of life payable under the Accidental Death and Dismemberment Benefit, We will pay an additional Child Education Benefit to Your Child(ren).

This Benefit will be paid:

  1. after We receive proof that your Child(ren) qualify as a Student, as defined in this Benefit; and
  2. according to the General Provisions of The Policy.

If You die, the Child Education Benefit provides an annual amount equal to the lesser of:

  1. the amount resulting from multiplying Your Principal Sum by the Child Education Percentage; or
  2. the Maximum Amount for this Benefit.

The Child Education Benefit is payable to each of Your Child(ren):

  1. on the date; and
  2. for whom;

We have received proof satisfactory to Us that he or she is a Student.

If he or she is a minor, We will pay the benefit to the Student’s legal guardian.

We will pay the Child Education Benefit to a qualifying Student until the first to occur of:

  1. Our payment of the fourth Child Education Benefit to or on behalf of that person; or
  2. the end of the 12th consecutive month during which We have not received proof satisfactory to Us that he or she is a Student.

We will not pay more than one Child Education Benefit to any one Student during any one school year.

We will pay the Minimum Amount for this Benefit in accordance with the Claims to be Paid provision of The Policy if:

  1. a Principal Sum is payable because of Your death; and
  2. no person qualifies as a Student.

Student means Your Child(ren) on the date of Your death and:

  1. is a full-time (at least 12 course credit hours per semester) post-high school student at an accredited institution of learning on the date of Your death; or
  2. became a full-time (at least 12 course credit hours per semester) post-high school student at an accredited institution of learning within 365 days after Your death and was a student in the 12th grade on the date of Your death.

If the institution establishes full-time status in any other manner, We reserve the right to determine whether the student qualifies as a Student.

Child(ren) means Your unmarried child, stepchild, legally adopted child, child in the process of adoption or foster child who is less than age 23 who:

  1. regularly attends an accredited institution of learning; and
  2. is primarily dependent on You for financial support and maintenance.

The specific amounts for this Benefit are shown in the Schedule of Insurance.