Download Adobe pdf version
For losses listed in Part I, multiple injuries resulting from a single traumatic event may be combined with each other and treated as one loss for purposes of a single payment (except where noted otherwise), however, the total payment amount MAY NOT exceed $100,000.
For losses listed in Part II, payment amounts MAY NOT be combined with payment amounts in Part I - only the higher amount will be paid. The total payment amount MAY NOT exceed $100,000 for multiple injuries resulting from a single traumatic event.
Part I |
1. |
Sight: Total and permanent loss of sight OR loss of sight that has lasted 120 days
|
$50,000 |
2. |
Hearing:
Total and permanent loss of hearing
- For one ear
- For both ears
|
$25,000
$100,000 |
3. |
Speech: Total and permanent loss of speech
|
$50,000 |
4. |
Quadriplegia: complete paralysis of all four limbs
|
$100,000 |
5. |
Hemiplegia: complete paralysis of the upper and lower limbs on one side of the body
|
$100,000 |
6. |
Paraplegia: complete paralysis of both lower limbs
|
$100,000 |
7. |
Uniplegia: complete paralysis of one limb*
*Note: Payment for uniplegia of arm cannot be combined with loss 9, 10 or 14 for the same arm. Payment for uniplegia of leg cannot be combined with loss 11, 12, 13 or 15 for the same leg.
|
$50,000 |
8. |
Burns: 2nd degree or worse burns to at least 20% of the body including the face OR, at least 20% of the face
|
$100,000 |
9. |
Amputation of hand: Amputation at or above the wrist
*Note: Payment for loss 9 cannot be combined with payment for loss 10 for the same hand.
|
$50,000 |
10. |
Amputation of 4 fingers on 1 hand OR thumb alone: Amputation at or above the metacarpophalangeal joint
|
$50,000 |
11. |
Amputation of foot: Amputation at or above the ankle
*Note: Payment for loss 11 cannot be combined with payments for losses 12 or 13 for the same foot.
|
$50,000 |
12. |
Amputation of all toes including the big toe on 1 foot: Amputation at or above the metatarsophalangeal joint
*Note: Payment for loss 12 cannot be combined with payments for loss 13 for the same foot.
|
$50,000 |
13. |
Amputation of big toe only, OR other 4 toes on 1 foot: Amputation at or above the metatarsophalangeal joint
|
$25,000 |
14. |
Limb salvage of arm: Salvage of arm in place of amputation
*Note: Payment for loss 14 cannot be combined with payments for losses 9 or 10 for the same arm. |
$50,000 |
15. |
Limb salvage of leg: Salvage of leg in place of amputation
*Note: Payment for loss 15 cannot be combined with payments for losses 11, 12 or 13 for the same leg.
|
$50,000 |
16. |
Facial Reconstruction – reconstructive surgery to correct traumatic avulsions of the face or jaw that cause discontinuity defects. |
|
- Jaw – surgery to correct discontinuity loss of the upper or lower jaw
|
$75,000 |
- Nose – surgery to correct discontinuity loss of 50% or more of the cartilaginous nose
|
$50,000 |
- Lips – surgery to correct discontinuity loss of 50% or more of the upper or lower lip
- For one lip
- For both lips
|
$50,000
$75,000 |
- Eyes – surgery to correct discontinuity loss of 30% or more of the periorbita
|
$25,000 |
- Facial Tissue – surgery to correct discontinuity loss of the tissue in 50% or more of any of the following facial subunits: forehead, temple, zygomatic, mandibular, infraorbital or chin.
|
$25,000 |
Note 1: Injuries listed under facial reconstruction may be combined with each other, but the maximum benefit for facial reconstruction may not exceed $75,000.
Note 2: Any injury or combination of injuries under facial reconstruction may also be combined with other injuries listed in Part I and treated as one loss, provided that all injuries are the result of a single traumatic event. However, the total payment amount may not exceed $100,000.
|
|
17. |
Coma from traumatic injury AND/OR Traumatic Brain Injury resulting in inability to perform at least 2 Activities of Daily Living (ADL)
- at 15th consecutive day of coma or ADL loss
- at 30th consecutive day of coma or ADL loss
- at 60th consecutive day of coma or ADL loss
- at 90th consecutive day of coma or ADL loss
|
$25,000
an additional $25,000
an additional $25,000
an additional $25,000 |
18. |
Hospitalization due to traumatic brain injury
- at 15th consecutive day of hospitalization
Note 1: Payment for hospitalization replaces the first payment period in loss 17.
Note 2: Duration of hospitalization includes dates on which member is transported from the injury site to a facility described in § 9.20(e)(6)(xiii), admitted to the facility, transferred between facilities, and discharged from the facility.
|
$25,000 |
Part II |
19. |
Traumatic injury resulting in inability to perform at least 2 Activities of Daily Living (ADL)
- at 30th consecutive day of ADL loss
- at 60th consecutive day of ADL loss
- at 90th consecutive day of ADL loss
- at 120th consecutive day of ADL loss
|
$25,000
an additional $25,000
an additional $25,000
an additional $25,000 |
20. |
Hospitalization due to traumatic injury
- at 15th consecutive day of hospitalization
Note 1: Payment for hospitalization replaces the first payment period in loss 19.
Note 2: Duration of hospitalization includes dates on which member is transported from the injury site to a facility described in § 9.20(e)(6)(xiii), admitted to the facility, transferred between facilities, and discharged from the facility.
|
$25,000 |
|