AD&D insurance pays a percentage of the AD&D coverage amount based on the type of loss incurred, as shown in this chart:

Covered Loss Of
Loss of Life Principal Sum
Both Hands or Both Feet Principal Sum
One Hand or One Foot and Sight of One Eye Principal Sum
Speech and Hearing Principal Sum
Speech or Hearing 50% of Principal Sum
One Hand; One Foot; or Sight of One Eye 50% of Principal Sum
Thumb and Index Finger of the Same Hand 25% of Principal Sum
Both Arms and Both Legs Principal Sum
Both Arms or Both Legs or a Combination of an Arm and a Leg 75% of Principal Sum
One Arm or One Leg 50% of Principal Sum
One Hand or One Foot 25% of Principal Sum

Dependent Coverage

Amount of Dependent Coverage
Dependents Covered: % Spouse % Child(ren)
Spouse Only 60% of your Optional AD&D Coverage 0%
Dependent Child(ren) Only: 0% 20% of your Optional AD&D Coverage
Spouse & Dependent Child(ren): 50% of Your Optional AD&D 15% of Your Optional AD&D