Death Due to an Accident
If your death is due to an accident, the Basic AD&D benefit and, if applicable, the Optional AD&D benefit is paid to your beneficiary(ies) or, in the absence of a beneficiary, to your estate, subject to any other legislation that may be in place at the time of death.
The AD&D benefit is paid in the form of a cash lump-sum payment. This payment is not subject to income tax.
Injury Due to an Accident
If you suffer loss of a specified body part, or loss of use of a specified body part due to an accident, the AD&D benefit is paid to you, subject to any other legislation that may be in place at the time of injury.
The AD&D benefit is paid in the form of a cash lump-sum payment. This payment is not subject to income tax.