Accidential and sickness

Chester Taylor, a furniture maker, purchased an individual accidental death & dismemberment policy. Which of the following is true? A If Chester developed rheumatism in his hands, making it hard to work in his wood shop, the insurer could pay him a monthly benefit B Chester could later purchase travel insurance and convert this AD&D policy to a rider. c If Chester slammed his hand in a drawer and permanently lost all use of his hand, he could receive a tax-free benefit after making a claim. D If a dining room table falls on his head, decapitating him, a named beneficiary could receive a dismemberment benefit