---
kind: "section"
citation: "5 C.F.R. § 870.206"
title: "5"
number: "870.206"
heading: "Accidental death and dismemberment."
url: "https://uscodex.org/cfr/5/870.206"
---

# §870.206. Accidental death and dismemberment.

- (a)
  - (1) Accidental death and dismemberment coverage is an automatic part of Basic and Option A insurance for employees.
  - (2) **There is no accidental death and dismemberment coverage with Option B or Option C.**
  - (3) Individuals who are insured as annuitants or compensationers do not have accidental death and dismemberment coverage.
- (b)
  - (1) Under Basic insurance, accidental death benefits are equal to the BIA, but without the age factor described in [§ 870.202(c)](/cfr/5/870.202.md?p=c).
  - (2) **Under Option A, accidental death benefits are equal to the amount of Option A.**
- (c)
  - (1) Under Basic insurance, accidental dismemberment benefits for the loss of a hand, foot, or the vision in one eye are equal to one-half the BIA. For loss of 2 or more of these in a single accident, benefits are equal to the BIA.
  - (2) Under Option A, accidental dismemberment benefits for the loss of a hand, foot, or the vision in one eye are equal to one-half the amount of Option A. For loss of 2 or more of these in a single accident, benefits are equal to the amount of Option A.
  - (3) **Accidental dismemberment benefits are paid to the employee.**
  - (4) **Accidental death benefits are paid to the employee's beneficiaries.**

## Notes

### Amendments

[75 FR 60577, Oct. 1, 2010]

### Authority

Authority: 5 U.S.C. 8716; Sec. 870.106 also issued under section 1110(b) of Pub. L. 116-92, 133 Stat. 1198 (5 U.S.C. 8702 note); Sec. 870.302(a)(3) also issued under sections 11202(f), 11232(e), and 11246(b) and (c) of Pub. L. 105-33, 111 Stat. 251, section 7(e) of Pub. L. 105-274, 112 Stat. 2419, and section 145 of Pub. L. 106-522, 114 Stat. 2472; Sec. 870.302(a)(3)(ii) also issued under section 153 of Pub. L. 104-134, 110 Stat. 1321; Secs. 870.302(b)(8), 870.601(a), and 870.602(b) also issued under Pub. L. 110-279, 122 Stat. 2604 (2 U.S.C. 2051); Subpart E also issued under 5 U.S.C. 8702(c); Sec. 870.601(d)(3) also issued under 5 U.S.C. 8706(d); Sec. 870.510 also issued under section 1622(b) of Pub. L. 104-106, 110 Stat. 521 (36 U.S.C. 5522); Sec. 870.703(e)(1) also issued under section 502 of Pub. L. 110-177, 121 Stat. 2542 (5 U.S.C. 8701 note); Sec. 870.705 also issued under 5 U.S.C. 8714b(c) and 8714c(c); and Subpart J also issued under section 599C of Pub. L. 101-513, 104 Stat. 2064 (5 U.S.C. 5561 note), as amended.

### Source

Source: 62 FR 48731, Sept. 17, 1997, unless otherwise noted.

### Amendments

[75 FR 60577, Oct. 1, 2010]