Which events trigger the dismemberment portion of the AD&D rider?

Which events trigger the dismemberment portion of the AD&D rider?

• A. Death or dismemberment coverage only for natural causes
• B. Death occurs from an accident and dismemberment coverage for loss of limbs, sight and hearing caused by an accident
• C. It reduces life insurance if you retire
• D. It pays for hospital stays

Answer: (B)

Dismemberment benefits in an AD&D rider are tied to losses that result from an accident and are defined as specific outcomes like losing a limb, losing sight, or losing hearing. So the dismemberment portion pays when an accident causes one of these defined losses, while a separate death benefit can apply if the accident also results in death. The other options don’t fit because natural causes, retirement, or hospital stays aren’t the events that trigger dismemberment benefits. In short, the dismemberment portion is activated by accident-caused losses such as loss of limbs, sight, or hearing.

Dismemberment benefits in an AD&D rider are tied to losses that result from an accident and are defined as specific outcomes like losing a limb, losing sight, or losing hearing. So the dismemberment portion pays when an accident causes one of these defined losses, while a separate death benefit can apply if the accident also results in death. The other options don’t fit because natural causes, retirement, or hospital stays aren’t the events that trigger dismemberment benefits. In short, the dismemberment portion is activated by accident-caused losses such as loss of limbs, sight, or hearing.