Coverage becomes effective on the first day of the month following receipt of your enrollment application and payment of premium. If you are paying by payroll deduction, coverage is effective the first day of the pay period for which premium is deducted coinciding with or next following approval of application. Loss of limb means severance at or above the wrist or ankle.
Loss of sight means the total and irrecoverable of sight.
If you sustain more than one covered loss resulting from any one accident, the total amount payable will never exceed the Principal Sum. Total and permanent disability benefits are paid if you sustained an accidental bodily injury prior to age 65 that resulted in total and permanent disability which began within 180 days after the injury and continued without interruption for 12 consecutive months. The amount is payable on a monthly basis while the member remains totally disabled up to a maximum of 104 months. Bacterial infections, except when caused by an accident or medical treatment of an accidental injury. Injury resulting from flying as a pilot or crew member of an aircraft.