Which provision would pay a benefit amount if an insured individual is blinded in an industrial accident?

Get ready for the Rhode Island Life and Health Insurance Test with flashcards and multiple choice questions. Every question includes hints and detailed explanations to help you excel!

The accidental death and dismemberment clause is designed to provide benefits in specific situations where an insured individual suffers severe injuries due to an accident. This includes cases of dismemberment, which can refer to the loss of limbs or other critical body parts, and also covers significant injuries such as blindness.

This clause specifically addresses injuries that occur as a result of accidents and outlines the benefit payments that will be made in the event of specific types of losses, including the loss of eyesight. The provision aims to provide financial support to the insured or their beneficiaries when accident-related injuries lead to permanent disabilities.

In contrast, the permanent disability clause generally covers loss of income due to long-term disabilities, while the living benefits rider and cancer benefit rider are specialized provisions focusing on specific conditions and benefits not directly related to accidental injuries or dismemberments.

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