How Business Travel Accident Insurance Works

Additional Benefits

Paralysis

If accidental bodily injury causes the insured person’s Paralysis within 12 months of the accident, after the elimination period of 365 days, a Paralysis Benefit Amount will be paid. The Paralysis Benefit Amount is a percentage of the Insured Person’s Loss of Life Benefit Amount. A 100% Paralysis Benefit will apply to Paralysis of both arms and both legs; a 75% Benefit will apply to both legs; a 50% Benefit will apply to any two of an arm or a leg; and a 25% Benefit will apply to one arm or leg.

Seat Belt Use

The Plan will pay an additional 10% of the benefit amount, up to a maximum of $50,000, if death occurs while driving/riding in a private passenger automobile and utilizing a seat belt.

Psychological Therapy

The Plan will pay reasonable and customary charges up to 1% of the BTAI death benefit for up to two years for treatment or counseling needed as a result of a covered injury.

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.