Final answer:
The AD&D rider on J's life insurance policy will likely cover a percentage of the policy amount for her partial loss of eyesight, as this is considered partial dismemberment. The exact payout would depend on the policy's terms and the 'schedule of losses'. Additionally, coinsurance may apply to cover a portion of the loss.
Step-by-step explanation:
The Accidental Death and Dismemberment (AD&D) insurance policy is a rider that can be added to a standard life insurance policy. This rider typically pays out in the event of the policyholder's death or if they suffer a qualifying injury, such as dismemberment or significant loss of sight. If J has lost partial eyesight in one eye as a result of an accident, it's important to review the specifics of her policy to determine the coverage. In general, AD&D policies may pay a percentage of the policy amount for the loss of one eye, which is considered partial dismemberment.
Policies often have a 'schedule of losses' which outlines the amount paid for different types of dismemberment. Since J has only suffered partial loss of eyesight, payout will likely be less than that for the complete loss of an eye. In addition to the benefit payout, she may also have coinsurance, where the policyholder pays a percentage of the loss, and the insurance company pays the remaining cost.
It's worth noting that the payout is also contingent on the policy's terms and the premiums paid by the policyholder. For example, if each policyholder pays a $1,860 premium each year, the insurance company uses these funds to cover losses such as those incurred by J's partial loss of eyesight.