Optional Term Life AD&D Benefit

Optional Term Life includes an accidental death and dismemberment (AD&D) benefit.

Accidental Death Benefit

If you die as the direct result of an accidental Bodily Injury, the policy pays an additional AD&D benefit to your beneficiary, equal to the Optional Term Life policy amount you have chosen. Report the death to ERS.

Dismemberment Benefit

If you have an accident and experience one of the covered bodily losses as a direct result of the accident, you are eligible for Optional Term Life AD&D benefits.

• Loss of your hand by actual severance through or above the wrist.
• Loss of your foot by actual severance through or above the ankle joint.
• Loss of your 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 one-half of the Optional Term Life benefit amount. If two or more of the covered bodily losses occur at the same time, you receive a benefit equal to the Optional Term Life benefit amount.

Benefits are not paid if you independently lose one or more fingers, one or more toes, or incur a partial loss of sight. Steps to file a claim for dismemberment benefits.