Human Resources - Employee Benefits

Accidental Death & Dismemberment

The Accidental Death & Dismemberment (A.D.& D.) plan covers all eligible employees. The plan provides coverage in the event of death or injury from a work-related accident and is insured through SSQ Financial Group. The plan has been in effect since January 1, 1989.

Beneficiary Designation
Benefits
Business Travel Coverage
Conversion
Effective Date of Coverage
Exclusions
Premiums
Rehabilitation
Termination of Coverage

Effective Date of Coverage

Coverage becomes effective on the date you commence regular employment. If you are not actively at work on the date your Accidental Death and Dismemberment coverage would normally become effective, coverage will commence on your return to work.

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Premiums

The cost of this coverage is paid entirely by the University.

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Benefits

The Principal Sum under this insurance is two times your basic annual salary (excluding stipends and overtime), rounded up to the nearest thousand. The minimum amount of coverage is $50,000, and the maximum amount of coverage is $100,000 per covered employee.

When injury results in any of the following losses within 365 days after the date of the accident the Insurer will pay for:

Loss or Loss of Use of:	% of Principal Sum
Life	100%
Both Hands	100%
Both Feet	100%
Sight of Both Eyes	100%
One Hand & One Foot	100%
One Hand & Sight of One Eye	100%
One Foot & Sight of One Eye	100%
One Arm	75%
One Leg	75%
One Hand	66.6%
One Foot	66.6%
Sight of One Eye	66.6%
Thumb & Index Finger or at least Four Fingers of One Hand	33.3%

Loss of
All Toes of One Foot	25%
Speech & Hearing in Both Ears	100%
Speech	66.6%
Hearing in Both Ears	66.6%
Hearing in One Ear	25%

Total Paralysis of
Both Upper & Lower Limbs	200%
Both Lower Limbs	200%
Upper & Lower Limbs of One Side of Body	200%

The maximum benefit for all losses resulting from the same accident cannot exceed the Principal Sum with the exception of Paralysis, where the maximum benefit cannot exceed two times the Principal Sum.

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Beneficiary Designation

The benefit payable in the event of Loss of Life is payable to the beneficiary you have designated for your Group Term Life Insurance. All other benefits are payable to you. If you are no longer eligible for the Group Term Life Insurance, you will be asked to make a beneficiary designation that is specific to the Accidental Death and Dismemberment plan.

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Rehabilitation

In the event that you sustain an injury for which a claim would become payable under the Accidental Death & Dismemberment plan and, as a result of the injury, require special training for the purpose of being qualified to engage in a special occupation in which you would not have engaged except for the injury, the Insurer will pay reasonable and necessary expenses incurred by you for the special training, up to a maximum of $10,000. The training must take place within three years of injury.

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Business Travel Coverage

You are covered under the Business Travel rider of this policy if you are:

a) Traveling directly to or coming from a meeting either regular or special;

b) Participating as a delegate member of the University at any convention relating to the University’s affairs at the expense of the University;

c) Traveling on the business and/or in the interest and/or at the expense of the University.

Coverage under section a) above, applies when you leave your residence to go directly to the meeting place, along a normal route, without delay or stop over.

Coverage under sections b) and c) above, applies only during the course of the trip. Such a trip shall be deemed to commence when you leave your residence or place of regular employment for the purpose of going on the trip, whichever occurs last, and will continue until you return to your residence or place of regular employment, whichever occurs first.

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Exclusions

No benefits would be payable under this plan if death or injury should occur due to any of the following reasons:

Suicide or self-destruction
War (declared or undeclared)
While on active full-time service in the armed forces
Riding as a passenger or otherwise in an aircraft not possessing a current and valid certificate of airworthiness

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