Business Travel Accident Insurance
- Issue Date: July 1, 1997
- Primary Contact: Director of Human Resources
- Responsible Member of Directorate: President and Director
- Responsible Office: Human Resources
A. The Institution provides Business Travel
Accident coverage for all employees while traveling on Institution
business, Guest Divers who are properly certified and all other
Guests while on a trip at the direction and expense of the Institution,
and Senior Scientists who are retired and/or on the Supplemental
Retirement Plan and who are traveling on behalf of the Institution.
This insurance is paid entirely by the Institution.
B. This insurance covers the eligible individual
when business travel is authorized or at the direction of the
Institution, and requires the insured to be away from the premises
to which s/he is regularly assigned. In addition to coverage
while traveling by a traditional means (e.g. automobile, bus,
train, commercial airline), coverage also includes travel on
water conveyances as a pilot, passenger, crew member or member
of a scientific party as well as travel as a pilot, passenger,
crew member or observer in any aircraft owned, operated or leased
by the Institution.
C. A business trip begins when the insured leaves
her/his residence or place of regular employment (whichever
occurs last), and continues until the insured returns to her/his
residence or place of regular employment (whichever occurs first).
Everyday travel between an insured's residence and place of
regular employment or while on vacation or personal business
is not covered.
A. All active employees are covered at
three times the insured's Annual Base Salary rounded to the next
higher $1,000 if not already at a multiple thereof. The minimum
benefit is $50,000; the maximum benefit is $500,000.
B. Guest Divers who are properly certified and
all other Guests while on a trip at the direction of the Institution
are covered for $50,000.
C. Senior Scientists who are retired and/or on
the Supplemental Retirement Plan, and who are traveling on behalf
of the Institution, are covered for $250,000.
A. Death and Dismemberment - Each insured
is covered for loss of life or bodily member. A "member" is defined
as a hand, foot, eye, or one's speech or hearing. The loss must
be as the result of a covered accident.
B. The Principal Sum applicable to an insured
shall be based on the following percentages:
| Age at Loss
||Rate of Principal Sum
|Less than age 75
|Age 75 but less than 80
|Age 80 or more
C. Permanent Total Disability - Only active
employees under age 70 are covered in the event of an injury which
results in Permanent Total Disability. "Permanent Total Disability"
is defined as the inability to engage in any substantial gainful
occupation or employment for the remainder of the insured's lifetime.
This benefit is payable to an insured who, within 180 days of
a covered injury, is totally Disabled, whose Disability is continuous
for one full year, and at the end of that year is Permanently
D. If a benefit is payable for more than one
hazard, only the largest benefit payable as a result of a covered
accident will be paid.
Coverage is not provided for any loss resulting
A. Illness or disease except bacterial
infection arising out of an accidental cut or wound;
B. Committing or attempting to commit a felony
or act of violence or participation in civil disobedience, civil
disorder, riot or insurrection;
C. Suicide or self-inflicted injury whether sane
D. An accident occurring while serving in any
military or other organized armed forces;
E. Travel or flight in any vehicle or device
beyond the earth's atmosphere; in a rocket-propelled aircraft;
in a craft being used for crop dusting, seeding, spraying, firefighting,
pipe or power line inspection, hunting or banner towing; flying
that requires a special permit or waiver from an authority having
jurisdiction over civil aviation; acrobatic or stunt flying;
or in any aircraft while giving or receiving any training or
you require assistance in the interpretation of this procedure,
please contact your Human Resources Representative.
Last updated: February 8, 2010