Benefits Handbook

There is a benefit of the lesser of $50,000 or 10% of your principal sum under the Voluntary AD&D Plan, if you were wearing a properly fastened, original, factory-installed seat belt. In addition, if the Seat Belt Benefit is payable and the original, factory-installed automobile air bag system properly inflated upon impact during a car accident that causes death, an additional benefit of the lesser of $50,000 or 10% of your principal sum is payable as a lump sum.

If you have elected family coverage and suffer an accidental death while covered under the Voluntary AD&D Plan, your children may receive an education benefit. The education benefit is the lesser of 5% of your principal sum to a maximum of $10,000 or the actual annual tuition (exclusive of room and board) and is paid annually, for a maximum of four consecutive years, as long as your child remains a full-time student. The benefit does not cover education costs that were incurred before your death.

To qualify, your child has to be:

If there are no children who qualify for this benefit, the Plan will pay a one-time lump sum of $10,000 to your designated beneficiary.

If you have elected family coverage and suffer an accidental death while covered under the Plan, your spouse/domestic partner may receive an education benefit. The education benefit is the lesser of 5% of your principal sum, to a maximum of $10,000 a year or the actual tuition, (exclusive of room and board) for up to four consecutive years.

To qualify, your spouse/domestic partner has to be:

This benefit will be paid for each year your spouse/domestic partner is continuously enrolled.

If your spouse/domestic partner ceases enrollment as a student, the benefit ends, even if he or she reenrolls at a later date. The benefit does not cover education costs that were incurred before your death.

If there is no spouse//domestic partner eligible for this benefit within 30 months after your death, a one-time lump sum amount of $10,000 will be paid to your designated beneficiary.

If, as a result of an injury, you are rendered permanently totally disabled within 365 days of the accident that caused the injury, the Plan will pay 100% of the principal sum at the end of 12 consecutive months of the permanent total disability. You must be age 69 or younger to qualify for this benefit. This benefit is not provided after age 69 because of significant cost considerations in providing such coverage.

There is no additional benefit for work-related accidents under the Voluntary AD&D Plan. The Company does provide you with a Company-paid Business Travel Accident Insurance Plan.

If you have elected family coverage and you or your spouse/domestic partner accidentally dies, a day care expense benefit of up to 5% of your principal sum (not to exceed $15,000) is paid annually for up to four years to the surviving parent of a covered minor child under age 13. The annual benefit paid is not to exceed the actual cost of the day care center for that year.

If there are no family members who qualify for this benefit, a one-time lump sum of $10,000 will be paid to your designated beneficiary.

To qualify, your child has to be:

The Plan will pay up to $15,000 in rehabilitation expenses incurred within two years of the date causing the covered injury if you suffer an accidental dismemberment or paralysis loss that is payable under the Plan. Covered rehabilitation expenses do not include any expenses for or resulting from an injury for which you are entitled to benefits paid by Workers' Compensation or other similar law.

100% of the spouse's or domestic partner's principal sum is payable if they become totally and permanently disabled (as defined by National Union) before age 70. The benefit is payable at the end of 12 consecutive months of the permanent total disability. The disability must be the result of an accident and must occur within 365 days after the accident.

If you suffer an accidental injury which results in your covered death that is payable under the Plan, your covered family members' coverage will continue at no cost for up to six months. Coverage ends on the earliest of 6 months, the date your spouse remarries, the date the children are no longer eligible under the plan or the date the plan ends.

A monthly benefit of 0.5% of your principal sum will be paid for up to six consecutive months to your surviving covered spouse/domestic partner; otherwise, in equal shares to your surviving covered children.

If both you and your covered spouse/domestic partner suffer a loss from the same accident, your spouse's or domestic partner's principal sum will be increased to equal 100% of your principal sum, up to a maximum of $2 million, provided that you both suffer loss of life within 90 days of the accident and the accident occurs at the same time or within 24 hours of each other.