The Plan at a Glance

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	Personal Accident Insurance Plan

	The Plan at a Glance

	Participating in the Plan

	How the Plan Works

	How Benefits Are Paid

	Filing a Claim

	Glossary

The Plan at a Glance

This Plan provides a benefit to someone you name as your beneficiary if you die in an accident, or to you if you suffer dismemberment as a result of an accident. Additional coverage is available for your family members (in which case the benefit is payable to you). The chart below contains some important Plan features and coverage information. For more information, see "How the Plan Works."


Plan Feature	Highlights
How the Plan Works	You can elect Personal Accident Insurance for you, your spouse or approved domestic partner and your eligible children. You can elect an accidental death benefit of one to 10 times your annual base salary rounded to the next $1,000, up to a maximum of $1,000,000. The amount you elect is called the principal sum, or your death benefit. You can elect coverage to include your eligible family members. The spouse or approved domestic partner benefit is: 60% of the principal sum if there are no dependent children at the time of the accident 50% of the principal sum if there are dependent children at the time of the accident The child benefit with family coverage is: 20% of the principal sum if there is no spouse or domestic partner at the time of the accident (50% for dismemberment benefits) 15% of the principal sum if there is a spouse or approved domestic partner at the time of the accident (50% for dismemberment benefits) Dismemberment benefits are paid at a percentage of the death benefit. Certain types of losses are not covered.
Eligibility	You are eligible to participate in this program if you meet the eligibility requirements set forth below. See "Participating in the Plan" for details.
Enrollment	You must enroll for coverage within 30 days of the date you become eligible to participate or during annual enrollment. In order for your eligible family members to be covered, you must elect family coverage.
Cost of Coverage	Your cost depends on the amount of coverage you elect. Semi-monthly cost of coverage: For each $1,000 of individual coverage, your semi-monthly contribution is $0.007. For each $1,000 of family coverage, your semi-monthly contribution is $0.010. Weekly cost of coverage: For each $1,000 of individual coverage, your weekly contribution is $0.003. For each $1,000 of family coverage, your weekly contribution is $0.005.
Beneficiary	You can name anyone you wish as a beneficiary. You can change your beneficiary at any time. You are always the beneficiary if your covered family members die.
Contact Information	For more information, contact the Claims Administrator: American International Life Assurance Company of New York (AIG) 32 Old Slip, 22nd floor New York, NY 10005 Phone: (646) 857-1585 (800) 551-0824 (for Claims) Website: http://www.aig.com MMC does not administer this Plan. AIG's decisions are final and binding.