In no case may an employee be covered as both an employee and a dependent. This will be evaluated at the time a claim is submitted, and any necessary benefit and premium adjustments will be made. The amount of insurance you purchase is called the principal sum. Only the largest percentage will be paid if you or a covered dependent suffers more than one loss from an accident. Loss of hands and feet is defined as actual severance at or above the wrist or ankle joint.
Loss of sight is defined as the entire and irrecoverable loss of sight.
Loss of thumb and finger is defined as actual severance at or above the metacarpophalangeal joint. Loss of speech or hearing is defined as the entire and irrecoverable loss of speech or hearing. Paralysis is defined as complete and irreversible paralysis of such limbs. If you elect family coverage and a family member suffers a loss, the benefit paid is a percentage of the amount paid if you suffered the loss. Dependent children who qualify for this benefit will receive payments annually to a maximum of four years.