Business travel accident insurance pays benefits to you if you should lose sight, speech, hearing or limb or become paralyzed or Totally and Permanently Disabled.  Benefits are also payable to your beneficiary in case of your death as a result of an accident that occurs while you are traveling on a Business Trip (as defined in the Glossary).  This does not include commuting to or from work.  If your spouse and/or eligible dependent children are authorized to travel with you, they will also be covered for accidental death or dismemberment.

Coverage is provided 24 hours a day during a “Business Trip” (as defined in the Glossary), starting when you leave your home or place of business (whichever is later) and continuing until you return to your home or place of business (whichever is earlier).  Coverage is also provided while you are on a side trip or vaca­tion that is taken in conjunction with a business trip, or on the Company premises to which you are permanently assigned in the event of a bomb scare, bomb search, bomb explosion, or felonious assault (committed by someone other than a fellow employee or family member).

Business travel accident insurance benefits are paid in addition to any other life and accident insurance benefits you are eligible to receive.

Benefit Amounts
While you are actively employed, and until age 70, your business travel accident benefit amount equals four times your annual Pay, with a minimum benefit of $50,000 and a maximum benefit of $500,000.  In a Company aircraft accident, your minimum benefit is $100,000. Your spouse’s benefit amount is $50,000, and the benefit amount for each eligible dependent child is $25,000.  In a Company aircraft accident, however, their individual benefits increase to $100,000. A combined maximum benefit of $5,000,000 is payable on behalf of all covered individuals in one aircraft accident.  Therefore, for any aircraft accident in which more than $5,000,000 is claimed, there will be a proportionate distribution of the $5,000,000 maximum.  In addition, a combined maximum benefit of $10,000,000 is payable on behalf of all covered individuals involved in one On Premises Terrorism, On Premises Bomb Scare, Search, Explosion or On Premises Felonious Assault Accident.  Therefore, for any such accident in which more than $10,000,000 is claimed, there will be a proportional distribution of the $10,000,000 maximum for those eligible. As an active employee age 70 and older, your benefit amount will be reduced as follows:
If you are at least this age:	Your benefit will be this percentage of your pre-age-70 benefit
70	82.5 %
75	57.5 %
80	37.5 %
85	20%

Dismemberment Benefits
If you, your spouse or your eligible dependent children should lose sight, speech, hearing or limb or become paralyzed as a result of and within one year after an accident which occurs while you are traveling on a Business Trip, you, your spouse and your eligible dependent children will receive the following benefits in a lump sum:
For loss of:	The plan pays:
Any combination of one hand, one foot, or sight of one eye	100% of the benefit amount
Both hands, both feet, or sight of both eyes	100% of the benefit amount
Both speech and hearing (both ears)	100% of the benefit amount
Quadriplegia (total paralysis of both upper and lower limbs)	100% of the benefit amount
One hand, one foot, sight of one eye, speech, or hearing (both ears)	50% of benefit amount
Paraplegia (total paralysis of both lower limbs) or Hemiplegia (total paralysis of upper and lower limbs on one side of the body)	50% of benefit amount
Thumb and index finger of same hand	25% of benefit amount
If two or more of these losses are sustained in the same accident, your benefit amount will be for the loss with the largest percentage amount payable.  For example, if you sustain an injury that entitles you to 25% of your benefit amount and another from the same accident that entitles you to 50%, you will be paid 50% of your benefit amount. “Loss” is defined in the Glossary.

Payment of Benefits

Death Benefits
If you should die as a result of and within one year after an accident which occurs while you are traveling on a Business Trip, the full amount of your business travel accident benefit will be paid to your beneficiary in a lump sum.  In the event of your spouse’s or eligible dependent child’s death, you will receive their full benefit amount.

Seat Belt Benefit
An extra benefit is payable if you or an eligible dependent on a Business Trip dies as a result of injuries sustained while driving or riding in a private passenger car equipped with seat belts.  If the eligible person was wearing a seat belt (or protected by a child restraint as defined by state law) certified in the official report of the accident, or by the investigating officer at the time of the accident, that person’s benefit will be increased 10%, up to an additional $10,000.

If it is unclear whether the eligible person was wearing the required protection, the plan will pay $1,000 to the beneficiary.

Total and Permanent Disability Benefits
If within 365 days of a covered accident you become Totally and Permanently Disabled as a result of an injury sustained in the accident, you will receive a lump-sum payment after you have been Totally and Permanently Disabled for 12 consecutive months.  The amount of this payment will be your full benefit amount, less any other amount payable from this plan as a dismemberment benefit for the same accident.
You must have been under age 70 at the time of the covered accident to receive Total and Permanent Disability benefits under this plan.

Exclusions
Business travel accident benefits are not payable for losses or death caused by:

• illness or disease 
• bacterial infections; this exclusion does not apply to infection in an accidental cut or wound, or due to food poisoning
• commission of a common law felony by the covered individual
• intentionally self-inflicted injury or suicide
• flying in a rocket-propelled aircraft
• flying in any private aircraft being used on Company business
• crop dusting
• war or any act of war in the United States or any nation of which you permanently reside (there is war risk coverage outside the United States); this exclusion does not apply to the hijacking or air piracy of any conveyance used during a covered trip or acts of terrorism while traveling on a covered trip, or on any premises of the Company
• service in the armed forces of any country
• a motor vehicle accident, if driving is a primary duty of your occupation (e.g., truck driver, courier, etc.)
• commuting to and from work
• flying in any aircraft other than a properly licensed and piloted commercial, chartered, corporate, or other Company-approved aircraft.

Travel Assistance Services – Business Travel
Travel assistance services are available 24 hours a day, 365 days a year while traveling on Company business at least 100 miles from your place of residence.  Services range from pre-departure information to replacing lost passports to coordinating emergency medical evacuations.  Please call 1-888-226-4567 within the United States and Canada or call collect 1-202-331-7635 from any other location.  Travel assistance services are provided by Worldwide Assistance Services, Inc.  (WA).  WA ID cards are available from the travel office.

Emergency Medical Evacuation
When necessary, WA will arrange and pay for your transportation to the nearest adequate medical facility that can properly treat your condition.

Repatriation Benefit
If you die while traveling, WA will arrange and pay for all necessary government authorization, and pay for the return of your remains to your place of residence for burial.