Your Accident Insurance Benefits

Accident Insurance helps protect you and your family from financial hardship if you or a covered family member dies or suffers a serious injury in an accident. These benefits are separate from and in addition to any other insurance coverage you may have, such as your Group Life Insurance Plan through the University. There are two types of Accident Insurance:

Personal Accident Insurance (PAI) provides a benefit if a covered person dies or suffers a serious injury in an accident. If you are a Benefits-eligible Employee, you can choose to cover only yourself or yourself and your family. You can enroll at any time. Coverage ranges from $20,000 to $500,000. Participation is voluntary. You pay the full cost at group rates.

Business Travel Accident Insurance (BTAI) provides a benefit to all University employees if you die or suffer a serious injury in an accident while traveling on University business away from University premises. Generally, you are covered for five times your pay, from $50,000 to $500,000. Your participation automatically begins on your first day of work. The University pays the full cost.

Please review this summary and refer to your UnumProvident Insurance Certificate for PAI and the Chubb Insurance Certificate for BTAI. These documents contain important details on plan limits and features.

If you have questions about your benefits, call the Benefits Office at 773-702-9634 or send an e-mail to benefits@uchicago.edu.

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.