An AD&D policy provides coverage for accidental death or dismemberment. Your policy will define the conditions that constitute dismemberment and what benefits you will receive from them. Typical provisions, assuming a $10,000 policy, are: Accidental Injury Benefit to Be Paid Loss of life: $10,000 Loss of one arm at or above elbow: $7,500 Loss of one leg at or above knee: $7,500 Loss of one hand or one foot: $5,000 Loss of thumb and index finger one hand: $2,500 Loss of sight in one eye: $5,000 Loss of hearing in both ears for six months or more: $5,000 Loss of speech for at least six months or more: $10,000 Paralysis of one arm or leg: $2,500 Brain damage for at least 12 months: $10,000 More than one of the above from the same Accident: Lesser of $10,000 or sum of benefits payable for each loss.