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. If you die within one year of the accident, a day care benefit will be provided for each eligible dependent child age 5 and under. This benefit will be paid annually for four consecutive years. If you elect family coverage and your covered dependent child sustains a covered loss, other than loss of life, while the policy is in force, you will be paid a benefit equal to two times the dismemberment schedule listed on page 20.