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Core AD&D coverage, equal to $10,000, is called the Principal Sum. The amount of benefit you receive when you have a covered claim will range from 25% to 100% of the Principal Sum depending on the loss you experience (e.g., loss of a thumb and index finger would pay 25% while loss of both arms and legs would pay 100%).

The plan has features designed to provide further protection and flexibility in certain situations:

  • Seat belt benefit. Your beneficiary will receive an additional 10% of your in-force life insurance amount (maximum $25,000) if you were properly wearing a seat belt at the time of the auto accident.
  • Accelerated death benefit. If you are terminally ill with less than 12 months to live, you may be eligible to receive up to 75%, up to $250,000, of your Core Life Insurance amount prior to your death.
  • Conversion. If you terminate from Bloomin’ Brands or lose benefits eligibility, you may be able to continue Life and AD&D coverage without Evidence of Insurability under an individual conversion policy (Core Life and AD&D). You must apply to convert your coverage within 31 days of your conversion. Please review the Life Conversion Form and Accident Conversion Form for more information.