If the Seat Belt Benefit is payable, MetLife will pay an additional benefit if the insured person was positioned in a seat protected by properly functioning, original, factory-installed airbag system that inflates on impact when the accident occurred. The benefit amount is 5% of the Principal Sum up to $10,000.

If an insured person is involved in an automobile accident in which he/she was properly wearing a seatbelt, and dies within 365 days as a result of that accident, the beneficiary can receive the 10% of the Principal Sum up to $25,000.

If a covered loss occurs as a result of an accident while a passenger on a licensed common carrier (train, bus, etc.), the beneficiary can receive a 100% of Full Amount.

Unless otherwise indicated, MetLife pays only one Full Amount for all losses and benefits while the Group Policy is in effect. The Full Amount is shown on the Schedule of Benefits in your Certificate. For example, if you have loss for which MetLife paid 50% of the Full Amount, MetLife pays no more than 50% of the Full Amount for the next loss.

Maximum Amount payable for all Covered Losses sustained in one accident is capped at 100% of the Full Amount

Loss of hands or feet means loss by being permanently, physically severed at or above the wrist or ankle. Loss of sight means total and permanent loss of sight. Loss of speech and hearing means total and permanent loss of speech and hearing. Loss of thumb and index finger means loss by being permanently, physically, entirely severed.

Unless otherwise indicated, paralysis must be the result of a spinal cord injury which is due to an accident.

MetLife does not pay an AD&D benefit for any paralysis caused by a stroke. Paralysis must be determined by a doctor to be permanent, complete and irreversible.

Death benefits are paid to your beneficiary. Unless otherwise indicated, all other benefits are paid to you.

You may maintain your Accidental Death and Dismemberment Insurance coverage until age 80, as long as the Group Policy remains in force, you remain an MSBA member, and pay your premium on time. Coverage for your dependents terminates when your coverage ends, you stop paying premiums, or they are no longer eligible due to change in age, dependency, or marital status, whichever occurs first.

The Accidental Death & Dismemberment loss must occur within 365 days after the date of the accident and be a direct result of bodily injury sustained from that accident, independent of other causes.

Accidental Death & Dismemberment insurance does not include payment for any loss which in any way results from or is caused by or contributed to by:

• physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity;
• infection, other than infection occurring in an external accidental wound, or from food poisoning;
• suicide or attempted suicide; (In Missouri, such exclusion only applies while the person is sane);
• intentionally self-inflicted injury;
• service in the armed forces of any country or international authority. However, service in reserve forces does not constitute service in the armed forces, unless in connection with such reserve service an individual is on active military duty as determined by the applicable military authority other than weekend or summer training. For purposes of this provision reserve forces are defined as reserve forces of any branch of the military of the United States or of any other country or international authority, including but not limited to the National Guard of the United States or the national guard of any other country;
• any incident related to: 1) travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger; 2) travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in flight; 3) parachuting or otherwise exiting from an aircraft while such aircraft is in flight except for self preservation; 4) travel in an aircraft or device used for testing or experimental purposes; by or for any military authority; or for travel or designed for travel beyond the earth’s atmosphere;
• committing or attempting to commit a felony;
• the voluntary intake or use by any means of: 1) any drug, medication or sedative, unless it is: taken or used as prescribed by a Physician, or an “"over the counter”" drug, medication or sedative, taken as directed; 2) alcohol in combination with any drug, medication, or sedative; or 3) poison, gas, or fumes;
• war, whether declared or undeclared; or act of war, insurrection, rebellion, riot;
• driving a vehicle or operating another device while intoxicated as defined by the laws of the jurisdiction in which the vehicle or other device was being operated.