how much the policy will pay in the event of a claim depends not only on the amount of coverage purchased but on the type of claim filed for example the life insurance policy might pay 100 percent if the policyholder is killed or becomes quadriplegic but it might only pay 50 percent for the loss of a hand or the permanent loss of sight in one eye 
types of ad d and exemptionsthere are four common types of group ad d plans offered certain death circumstances are excluded from many ad d policies including death by illness suicide non commercial radiation and natural causes death while under the influence of any non prescribed drugs or alcohol is also most likely exempt from coverage overdose with toxic or poisonous substances and injury of an athlete during a professional sporting event may also void the right to a claim some insurance carriers are willing to alter their clients coverage to include some of these risks but every such extension will typically result in higher premiums for the client advantages and disadvantages of vad d insurancethe low costs of ad d insurance could make an attractive addition to conventional life insurance and many employers offer discounted policies however those low premiums also mean low payouts while it may provide peace of mind ad d is no replacement for regular life insurance in addition the terms for claiming ad d benefits are typically much more restrictive than life insurance coverage many policies will not pay out for deaths resulting from illnesses infection suicide scuba diving or other risky accidents and you ll have to read the fine print to know when you re covered the process of claiming an ad d benefit can be lengthy and the deceased may undergo an autopsy before benefits are paid out by the insurance company in addition the terms of death are often officially investigated before an insurer approves a claim cheaper than life insurance with premiums as low as 60 per yearcovers non fatal injuries such as blindness deafness and lost limbsmay be available at a lower cost through your employerno medical requirements