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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) or portability (Supplemental Life). You must apply to convert or port your coverage within 31 days of your conversion or port notice. Please review the Life Conversion Form and Accident Conversion Form for more information.