FAQ – Accidental Death & Dismemberment


A: Accidental death and dismemberment coverage provides benefits tovictims and their family only in the case of an accident. Contrary tolife insurance policies, accidental death and dismemberment policies donot cover policyholders who become ill or die due to natural causes.

A: A "covered accident" that is eligible to pay out benefits must occurwhile the policyholder is under contract. The covered accident mustalso qualify as an acceptable injury or death due to accident. Naturalsickness or disease not related to an injury, or injuries resultingfrom medical or surgical treatment are not considered "coveredaccidents."

A: The base benefit amount refers to the amount of benefits your familymay collect in the event of accidental death. Depending on theprovisions of your policy, family members may be entitled to extrabenefit amounts in addition to the base benefit.

A: For dismemberment claims, a legal "loss" is usually defined as asevered limb, such as a leg or arm, or a severed hand or finger. A"loss" may also be defined through loss of sight, hearing or speech.

A: If your claim has been denied contact us to determine whether your claim has a chance of winning.

A: Share Lawyers does not require a down payment or retainer from its accidental death and dismemberment insurance clients. Our lawyers operate on a contingency fee basis, where all costs are covered up front by our firm, and the lawyer collects his or her fee only in the event of a recovery.

A: There are time limits to all disability claims and any delay inproceeding may be subject to a deadline. You should not delay inproceeding with your claim or obtaining legal advice to clarify thesedeadlines.