Accidental Death Benefit 

Dependent Term Life also includes $5,000 accidental death and dismemberment (AD&D) benefit for each dependent covered by the policy. If your dependent dies as the direct result of an accidental bodily injury, the policy pays an additional AD&D benefit of $5,000 to you. Report the death to ERS.

Dismemberment Benefit

If your dependent has an accident and experiences one or more of the covered bodily losses as a direct result of the accident, you can apply to receive a benefit.

• Loss of hand by actual severance through or above the wrist.
• Loss of foot by actual severance through or above the ankle joint.
• Loss of sight in one eye resulting in total and permanent loss of vision that cannot be recovered by surgery or other means.

If one of the covered bodily losses occurs, you receive a benefit of $2,500. If two or more covered bodily losses occur at the same time, you receive a benefit of $5,000. Benefits are not paid if your dependent independently loses one or more fingers, one or more toes, or incurs a partial loss of sight. Steps to file a claim for dismemberment benefits.