The limitation on HIV death claims is up to what amount?

• A. 50% or $15,000 whichever is less
• B. 25% or $10,000 whichever is less
• C. 10% or $5,000 whichever is less
• D. 20% or $8,000 whichever is less

Answer: (B)

HIV death claims are limited by a mixed cap: you take 25% of the death claim amount and compare it to a fixed cap of $10,000, using the smaller of the two. This means the payout can never exceed $10,000 if 25% would be larger, but can be smaller if the death claim is modest.

For example, if the death claim is $40,000, 25% is $10,000, so the limit is $10,000. If the death claim is $30,000, 25% is $7,500, so the limit is $7,500. If the claim were large enough that 25% would exceed $10,000, the $10,000 cap applies.

This structure prevents excessive HIV-related death payouts while still allowing proportional benefits on smaller claims. The other options don’t fit this rule because they pair different percentages with different dollar caps, rather than the smaller-of-two approach.