MMC Benefits Handbook
Dismemberment Benefits
Dismemberment benefits are paid at a percentage of your principal sum.
Certain types of losses are not covered.
The loss must be directly related to the injuries from the accident and the loss must take place within 365 days of the accident to be covered under the Plan. The beneficiary must file a claim within 90 days of the date of loss.
The amount of your dismemberment benefit depends on the type of loss.
Type of Loss
Your benefit (or % of the principal sum) is
The benefit for your spouse or domestic partner (if no covered children) is
The benefit for each eligible child (with no spouse or domestic partner) is
The benefit for both your spouse (or domestic partner) and children is
Loss of:
  • one hand and one foot
  • both hands or feet
  • the sight of both eyes
  • the sight of one eye and one hand or foot
  • speech and hearing in both ears
  • quadriplegia
  • paraplegia
  • hemiplegia
100%
60% of your benefit for the type of loss
20% of your benefit for the type of loss
50% of your benefit for the type of loss
Loss of:
  • one hand or one foot
  • speech
  • the sight of one eye
  • hearing in both ears
50%
60% of your benefit for the type of loss
20% of your benefit for the type of loss
50% of your benefit for the type of loss
Loss of:
  • thumb and index finger on the same hand
  • hearing in one ear
25%
60% of your benefit for the type of loss
20% of your benefit for the type of loss
50% of your benefit for the type of loss
Loss is defined as follows:
Loss of:
Definition
Hand or foot
complete severance through or above the wrist or ankle joint
(with respect to the thumb and index finger, loss means complete severance through or above the metacarpophalangeal joint of both digits)
Sight
total and irrecoverable loss of the entire sight of that eye
Speech
total and irrecoverable loss of the entire ability to speak
Hearing
loss of hearing means complete and irrecoverable loss of hearing in both ears
Quadriplegia
complete and irreversible paralysis of both upper and both lower limbs
Paraplegia
complete and irreversible paralysis of both lower limbs
Hemiplegia
complete and irreversible paralysis of both upper and lower limbs on one side of the body
Limb
entire arm or entire leg
If more than one loss is sustained as a result of the same accident, only one amount, the largest, will be paid.