Shoulder blade $2,500/$5,000 Chip fractures 25% of the non-surgical reduction amount 1 Laceration benefits are a total of all lacerations per accident. 2 Non-surgical repair of a completely separated joint may be referred to in your policy documentation as a “closed reduction.” Surgical repair of a completely separated joint may be referred to in your policy documentation as an “open reduction.” 3 Non-surgical repair of a fracture may be referred to in your policy documentation as a “closed reduction.” Surgical repair of a fracture may be referred to in your policy documentation as an “open reduction.” Accidental Death & Dismemberment Your coverage also includes Accidental Death & Dismemberment benefits. This means that if you are severely injured or pass away due to an accident, additional benefits may apply. See the chart below for more details. A “common carrier” is commercial transportation that operates on a regular schedule, between predetermined points or cities (such as a bus or airline route). Accidental Death Benefits Benefit Common carrier accident Employee $100,000 Spouse $50,000 Children $25,000 Other accident Employee $50,000 Spouse $20,000 Children $10,000 Accidental Dismemberment Benefits Loss of both hand or both feet or sight in both eyes $28,000 Loss of one hand or one foot AND the sight of one eye $22,000 Loss of one hand AND one foot $22,000 Loss of one hand OR one foot $12,500 Loss of two or more fingers or toes $1,800 Loss of one finger or one toe $1,250