Accidental Dismemberment and Loss of Sight Benefits
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  • Accidental Dismemberment and Loss of Sight benefits are available to eligible Active Electrical Workers or Active Non-Bargaining Unit Employees only.
  • In order to receive benefits, your loss must occur within 90 days of the accident that caused it.
  • The benefits you receive from the Accidental Dismemberment and Loss of Sight are in addition to any other benefits you’d receive under this Plan.
  • This benefit is payable regardless of whether the accidental injury occurred at work or elsewhere.

Note: This benefit provided for Standard Plan (full) coverage only; no provision for “H” Plan (limited) coverage. 

The Accidental Dismemberment and Loss of Sight Benefit is payable to you if, while covered by the Plan, you lose a limb or the full and permanent loss of your sight as a result of an accident. The Plan defines “accident” as a violent, external, unexpected and unintentional event. This benefit is payable without regard to whether or not your accident occurred at work. If your accident is due to a work-related accident, see the following section for details about your Supplemental Occupational Accident Benefits. Retired Participants, Employees on COBRA, Surviving Spouses and Dependents are not eligible for this benefit.

What You Need To Do

You must provide satisfactory written proof of loss, usually in the form of a physician’s statement, to the Fund Office within one year of the date of the loss. Contact the Fund Office at 301-731-1050 or at 1-800-929-3983 to claim your benefit under this provision.

The maximum benefit payable for the loss of one hand, one foot or the sight in one eye is $5,000. If you suffer two or more of these losses, the maximum benefit payable is $10,000.

What’s Not Covered

No benefits are payable under the Plan, if your loss occurs as a direct or indirect result of:

  • Any bodily or mental infirmity, illness, or bacterial infections (except pyogenic infections which occur due to an accidental cut or wound);
  • Any medical or surgical treatment of any kind of disease;
  • Travel in any moving aircraft aboard which the individual is giving or receiving training or has any duties;
  • Any injury or illness caused by or arising from an act of war, whether declared or not, or a conflict involving armed forces;
  • Suicide, attempted suicide, or any intentionally self-inflicted injury, attempted or committed while sane or insane;
  • Any injury or illness caused by or arising from the attempt to commit, or in the commission of, a felony; or
  • Any injury or illness caused by or arising from the use or misuse of controlled substances.

Please see Specific Plan / Benefits Exclusions and General Plan Exclusions for an in-depth listing of your Plan’s exclusions.