This coverage is effective only while you are serving as a pilot or crew member of a certified airworthy civil aircraft. Pilot coverage is separate from the plan's basic coverage, and there is an additional premium charge. The loss must occur within one year after an accident to be eligible to receive these benefits. Loss of sight means the total and permanent loss of sight. A loss that may be corrected by surgery or lenses is not considered total and permanent.
Loss of hearing means total and permanent loss in both ears.
Loss of speech means total and permanent loss of speech. Loss of thumb and index finger of the same hand means complete and permanent severance through the joints joining the thumb and index finger to the hand. Total paralysis means an injury to the spinal cord. There will be a 12-month evaluation period to determine that the paralysis is total and not reversible. During that time, you must be under a physician's care from the date the paralysis began.