Benefit Amounts
If you want to cover your spouse and eligible dependent children, you can elect family coverage.  The benefit amount for family members is a percentage of your benefit amount and is based on the composition of your family at the time of loss, as follows:
If you have these dependents at the time of loss:	Your spouse's benefit will be:		Each child's benefit will be:
Spouse & children	90%		20%
Spouse only	100%		n/a
Children only	n/a		30%
You can elect special accident insurance coverage for yourself from $20,000 to $500,000 in $10,000 increments.  You may elect coverage greater than $250,000, only if the amount you choose does not exceed ten times your Pay.  Hourly employees receive a Total and Permanent Disability feature.  Note: additional coverage above $250,000 will not increase the coverage for the Total and Permanent Disability benefit. In any case, your total coverage may not exceed $500,000.  (Regardless of the coverage you elect, if you die or suffer a covered loss while serving as a licensed pilot or crew member of an aircraft, your maximum benefit will be $100,000.) 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%
Your contributions for special accident insurance will not be reduced when your benefit is reduced.

Special accident insurance is available on an optional contributory basis.  This coverage provides extra financial security for you and your family in the event of accidental death, dismemberment, or paralysis.

Coverage is provided 24 hours a day anywhere in the world, on or off the job, on business or vacation, and at home.

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

Payment of Benefits

Death Benefits
If you or a covered eligible dependent should die as a result of and within one year after an accident, the full benefit amount is payable to you or your beneficiary, as applicable, in a lump sum.  If you and your covered spouse should both die in the same accident or separate accidents that occur within a 24-hour period, your spouse’s benefit will increase to 100% of your benefit.  However, the combined benefit will not be more than $1,000,000.

Seat Belt Benefit
An extra benefit is payable if you or a covered eligible dependent dies as a result of injuries sustained while driving or riding in a private passenger car equipped with seat belts.  If the covered person was wearing a seat belt (or protected by a child restraint as defined by state law) 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 covered person was wearing the required protection, the plan will pay $1,000 to the beneficiary.

Child Care Center Benefit
If you elect family coverage and you or your spouse dies as a result of an accident, an additional annual benefit of up to 3% of your special accident insurance benefit (to a maximum of $5,000 per year for each child) will be payable for a licensed child care center to care for your surviving child.

To be eligible for this payment, your child must have been enrolled in a legally licensed child care center prior to your death (or your spouse’s death) or within 365 days thereafter.  This benefit will be paid once a year for up to four years, or until your child reaches age 13, whichever comes first.

After the child has been in child care for 12 months following the accident, the claim for child care should be submitted to the Benefit Plans Office for reimbursement.  If the surviving spouse has custody of the child, benefits will be paid to the surviving spouse.  If there is no surviving spouse or the child does not live with the spouse, benefits will be paid to the child’s legally appointed guardian.

If you had family coverage at the time of the accident, but no children are eligible for the child care benefit, a one time $1,500 payment will be made to your beneficiary.

Education Benefit
If you elect family coverage and then lose your life as the result of an accident, an annual education benefit of an additional 5% of your benefit amount, up to $15,000 a year, is payable on behalf of any dependent child who, on the accident date is:

• enrolled as a full-time student in any institution of higher learning beyond the 12th grade

or

• enrolled in the 12th grade and, within 365 days after the accident, enrolls as a full-time student in an institution of higher learning beyond the 12th grade.

Benefits are payable for four years provided your child remains a full-time student.

If you have family coverage at the time of the accident but no dependent children who qualify for the education benefit, your beneficiary will receive an additional $5,000 lump-sum benefit.

Spouse Retraining Benefit
If you elect family coverage and then lose your life as the result of an accident, a “spouse retraining benefit” is payable to your surviving spouse who enrolls in any professional or trade school or training program in order to obtain an independent source of income and support.  The plan will pay up to $5,000 toward the cost of training received within 30 months after the date of your death.

Surviving Spouse Benefit
If you choose family coverage and you or your covered spouse die as a result of an accident, an additional 1/2% of your special accident insurance amount will be payable to the surviving spouse each month for 12 months.

Continuation of Special Accident Coverage After
Employee’s Death
If you choose family coverage and you die as a result of an accident, coverage for your eligible spouse and children will continue, at no cost, for 36 months.

Dismemberment Benefits
If you or a covered eligible dependent should suffer a loss as a result of and within one year after an accident, you or your family member 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 benefit amount
Both hands, both feet, or sight of both eyes	100% of benefit amount
Both speech and hearing (both ears)	100% of benefit amount
Total paralysis of both upper and lower limbs (Quadriplegia)	100% of benefit amount
One hand, one foot, or sight of one eye	50% of benefit amount
Speech or hearing (both ears)	50% of benefit amount
Total paralysis of both lower limbs (Paraplegia)	50% of benefit amount
Total paralysis of upper and lower limbs on one side of body (Hemiplegia)	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.  If your covered dependent child suffers a dismemberment loss as described above, the plan will pay double the benefit amount indicated up to a maximum of $200,000. “Loss,” “Paralysis,” and “Limb” are defined in the Glossary.

Total and Permanent Disability Benefit Feature – Available to Hourly Employees Only
If within 365 days of a covered accident you become Totally and Permanently Disabled as a result of an accident, you will receive a monthly benefit after you have been Totally and Permanently Disabled for 12 consecutive months.  The amount of this monthly benefit is 2% of your benefit amount, up to $5,000 a month with a maximum of $250,000.  Benefits are payable for up to 50 months or until you recover, whichever comes first.

If you should die before receiving the maximum benefit – 100% of your benefit amount – your beneficiary will receive the remaining benefit.

You must have been under age 70 at the time of the covered accident to receive Total and Permanent Disability benefits under this plan.

There are no Total and Permanent Disability benefits for dependents or salaried employees.

Rehabilitation Benefit
If you or an eligible dependent are injured as a result of an accident, an additional benefit of up to $50,000 will be payable for approved rehabilitation expenses incurred within two years of the accident.

Covered expenses include physical therapy, home reconstruction and outfitting of special vehicles.  This benefit will be reduced by any other rehabilitation benefits that are payable, such as health or accidental insurance, workers’ compensation, occupational disease, or similar law.

You must notify the Benefit Plans Office in writing of your injury before any rehabilitation benefits are payable.

 

Exclusions
Special accident insurance benefits are not payable for losses or death caused by:

• illness or disease
• bacterial infection (except an infection  resulting from an accidental cut, wound, or ingestion of a poisonous food or substance)
• intentionally self-inflicted injury or suicide
• commission of a common law felony by a covered individual
• war or any act of war in the United States; this exclusion does not apply to acts of terrorism in the United States
• service of more than 30 days in the armed forces, other than Reserve or National Guard active duty for training
• traveling or flying in any aircraft or device, other than hang gliders or parachutes, if the aircraft or device does not have a valid certificate of air worthiness, or is being used:
1. for travel, or is designed for travel beyond the earth’s atmosphere
2. crop dusting; spraying or seeding; firefighting; skywriting; pipeline
3. or powerline inspection; aerial photography or exploration, except for plant site selection or inspections, inventory inspections, and quarry site selection; racing, endurance tests, stunt or acrobatic flying; or any operation which requires a special permit from the FAA, even if it is granted (this does not apply if the permit is required only because of the territory flown over or landed on)
4. for test or experimental purposes by or for any military authority [aircraft flown by the U.S. Military Airlift Command (MAC) or similar service, or another country are not excluded].

If the Company requests participation in any activity listed in paragraphs 2, 3, or 4 above, the aircraft exclusions will be modified.  However, a $100,000 maximum benefit limitation will apply.