Health & Welfare and Pension Funds
of Philadelphia and Vicinity

MEMBER ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT 
(FOR MEMBERS ONLY)

BENEFIT (Occupational and Non-Occupational)

1. If, as a result of external, violent and accidental bodily injury, you suffer the loss of life, limb or sight, and if such loss occurs within twenty-six (26) weeks following the date of the accident, payment will be made of the benefit specified in the Summary of Benefits Schedule upon receipt of due proof of such loss.
2. Payment will be made for each loss without regard to previous losses, provide that the total amount payable due to two or more losses sustained by you in all accidents does not exceed the principal sum as determined in the Summary of Benefits Schedule.

Loss of Sight means: Total and irrecoverable loss of sight. Loss of Hand or Foot means: Loss by severance at or above wrist or ankle.

LIMITATIONS

Claim Date is the date of death or, in the event of loss of sight or dismemberment, the date of the accident.

 Accidental Death and Dismemberment does not cover any loss resulting from or caused directly, in whole or in part, by:

1. Disease or bodily or mental infirmity or medical or surgical treatment thereof,
2. Ptomaine or bacterial infections, except pyogenic infections occurring with and through an accidental wound,
3. Suicide or intentionally self-inflicted injury, while sane or insane,
4. Participation in or in consequence of having participated in an illegal act which is in violation of any federal or state criminal statute, including driving a motor vehicle while intoxicated
5. Flying, unless you were a passenger on a commercial airline,
6. War or any act of war, whether declared or undeclared, or insurrection,
7. Drug overdose, whether intentional or unintentional.

 Last Date Updated :  01/10/07