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

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Prepare for the North Carolina Health Insurance Test. Study with flashcards and multiple choice questions; each comes with hints and explanations. Get ready for your assessment!

Multiple Choice

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

Explanation:
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.

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