In which situation would the insured NOT receive a pay out from an accidental death and dismemberment rider?

An accidental death and dismemberment (AD&D) rider typically provides benefits in the event of certain types of losses, specifically those that result from accidents. The key here is that the rider usually pays out in cases of actual loss or dismemberment, which is often interpreted as the physical severance of a limb or the complete loss of use.

In the scenario where there is a loss of use of a limb, the insured would generally not qualify for a payout. This situation refers to a condition where a limb, such as an arm or leg, remains physically intact but no longer functions as it should. AD&D riders require a concrete physical loss, not merely a loss of function. Thus, the insured is not compensated in this specific case.

In contrast, scenarios involving the permanent dismemberment of a limb, the loss of both legs, or the combination of a leg and an eye fall squarely within the parameters that typically trigger benefits under an AD&D rider. These losses are explicitly recognized as qualifying events for a payout since they involve the complete removal or complete functional loss of specified body parts.