16 2. Accident: A sudden, unexpected and unforeseen, identifiable event causing bodily Injury, directly produced by specific accidental contact with another body or object. The Accident must occur while You are covered under the Group Policy. 3. With respect to a hand or foot, Loss means actual and permanent severance from the body at or above the wrist or ankle joint. 4. With respect to sight, speech or hearing, Loss means entire and irrecoverable Loss of that function. D. AD&D Benefit. The AD&D Benefit is equal to a percentage of the AD&D Insurance Amount in effect on the date of the Accident, subject to the AD&D Reduction Schedule provision set forth in the “Schedule of Benefits”. The AD&D Insurance Amount is shown in the “Schedule of Benefits”. The percentage is shown below. Covered Losses: Maximum Amount Payable Loss of Life ................................................................................................. 100% Loss of both Hands or both Feet ................................................................ 100% Loss of one Hand or one Foot ..................................................................... 50% Loss of one Hand and one Foot................................................................... 100% Loss of Entire Sight of both Eyes ............................................................... 100% Loss of Entire Sight in one Eye................................................................... 50% Loss of one Hand or one Foot and Entire Sight of one Eye ........................ 100% Loss of Thumb and Index Finger of the same Hand ................................... 25% Quadriplegia ................................................................................................ 100% Paraplegia .................................................................................................... 75% Hemiplegia .................................................................................................. 50% Loss of Speech OR Hearing in Both Ears ................................................... 50% Loss of use of 1 limb ................................................................................... 50% Loss of Speech AND Hearing in Both Ears ................................................ 100% E. Unless otherwise specified, no more than 100% of the applicable AD&D Insurance Amount will be paid for all Losses resulting from one Accident. If an age reduction applies, the benefit reduces on the date You attain that age. GTL-C1600-0608 F. Additional AD&D Benefits 1. Disappearance Benefit. If an Insured Person disappears as the result of an accidental wrecking, sinking or disappearance of a conveyance in which he or she is riding, and his or her body is not found within 365 days after the date of disappearance, it will be presumed, subject to no evidence to the contrary and subject to all of the provisions of this Certificate, that the Insured Person is dead and has died as a result of an accidental bodily Injury. GTL-C1700-0608 G. AD&D Insurance Exclusions. No AD&D Benefit is payable if the Loss is caused or contributed to by any of the following: 1. War or Act of War. War means a state or period of declared or undeclared war whether civil or international, or any substantial armed conflict with organized forces of a military nature between nations, states or parties; 2. Suicide, attempted suicide or other intentionally self-inflicted Injury, while sane or insane; 3. Committing or attempting to commit a felony or assault, or actively participating in a violent disorder or riot. Actively participating does not include being at the scene of a violent disorder or riot while performing Your official duties; 4. Any Injury sustained while under the voluntary use or consumption of any poison, illegal drugs, or controlled substance, unless used or consumed according to the directions of a Physician;