MMC Benefits Handbook
Dismemberment Benefits
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.
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Type of Loss
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Employee/Spouse or Domestic Partner: Your benefit (or % of the principal sum) is
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Dependent Children Only: Your benefit (or % of the principal sum) is
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Loss of:
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100% of elected benefit
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200% of elected benefit
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Loss of:
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50% of elected benefit
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100% of elected benefit
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Loss of:
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25% of elected benefit
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50% of elected benefit
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Loss is defined as follows:
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Loss of:
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Definition
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Hand or foot
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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)
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Sight
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total and irrecoverable loss of the entire sight of that eye
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Speech
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total and irrecoverable loss of the entire ability to speak
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Hearing
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total and irrecoverable loss of the entire ability to hear in that ear
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Quadriplegia
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complete and irreversible paralysis of both upper and both lower limbs
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Paraplegia
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complete and irreversible paralysis of both lower limbs
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Hemiplegia
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complete and irreversible paralysis of both upper and lower limbs on one side of the body
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Uniplegia
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complete and irreversible paralysis of one limb
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Limb
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entire arm or entire leg
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If more than one loss is sustained as a result of the same accident, only one amount, the largest, will be paid.
