New Employee Benefits Enrollment - Dow Corning

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
Coverage is effective on your first day of work. See Benefit Enrollment Information page for details on
how to enroll for benefit coverage. The cost of the coverage is listed on the following page. On your
second day of employment, come prepared to complete your beneficiary designation forms.
If you waive coverage or fail to enroll within two months from your start date, you will receive no
coverage for the current calendar year, and you must wait until the next annual enrollment period to
enroll for coverage.
Plan Highlights
Accidental Death and Dismemberment (AD&D) provides benefits for certain injuries or death resulting
from a covered accident. The following coverage is available to you and your spouse or domestic
partner:
� AD&D coverage for yourself, in increments of $10,000 – up to $500,000 (not to exceed 10 times
your base salary).
� AD&D coverage for your spouse or domestic partner, in increments of $10,000 – up to $300,000
(not to exceed the employee coverage level).
� AD&D Employee coverage includes automatic coverage for your dependent children, equal to
10 percent of your coverage level, for each dependent.
Plan Benefits
In the event of a covered accident resulting in a loss, the benefit will be paid based on the greatest loss
suffered in the accident, according to the chart below:
Loss Percent of principal amount
Life 100 percent
Permanent and total disability 100 percent
(less any other benefit paid out
as a result of the same
accident), after a one-year
waiting period
Two or more of the following: hand, foot, sight of an eye 100 percent
Speech and hearing (both ears) 100 percent
Total paralysis of both upper and lower limbs 100 percent
Total paralysis of both lower limbs 75 percent
One of the following: hand, foot, sight of an eye, speech, hearing
(both ears)
50 percent
Hearing of one ear, or thumb and index finger of the same hand 25 percent
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