- You know, of course, that with loss of life you get 100%.
- But you also get 100% if you lose two members (hand, foot, or eye), or if you become completely blind.
- If you lose one hand, one foot, or one eye, you get 50%.
- If you lose your hearing or speech, you get 50%.
- If you lose both your thumb and your index finger, you get 25%.
- If you lose only your thumb, you get 10% (except if you live in Maine or Vermont. I guess thumb-loss is a common enough occurrence in those states that they don't even consider it a problem.)
- If two limbs become paralyzed, you get 25%, but only if you live in Washington or New York.
So let me get this straight. If I lose a foot, I get 50% of my policy. But if I become paralyzed in both of my legs, I'll only get 25% ... if I live in Washington or New York.
And If I lose all my fingers except my thumb, I get nothing.
I also have a hard time thinking that loosing a foot and and eye is the same thing as dying. I mean, that person can still contribute a lot, right?
So to answer my original question, loss of speech is TWICE as bad as loosing your thumb.