The Accidental Death and Dismemberment rider provides coverage for which events?

• A. Death only from natural causes
• B. Illness-related disability
• C. Long-term care needs
• D. Death and dismemberment due to accident

Answer: (D)

An Accidental Death and Dismemberment rider is designed to pay when an event is an accident, and it covers two kinds of outcomes: the insured’s death or specified losses from dismemberment (such as loss of limb, sight, hearing, or paralysis) caused by the accident. It is not for death from natural causes or illness, nor for long-term care needs or disability due to illness. So the rider provides coverage for death and dismemberment resulting from an accident, which is why that choice is the best answer.