You can elect an accidental death benefit of one to 10 times your annual base salary rounded to the next $1,000, if not already an even multiple of $1,000, up to a maximum of $1,000,000. The amount you elect is called the principal sum, or your death benefit.

If the Company grants you an authorized unpaid leave of absence, Personal Accident Insurance Plan coverage for you and your family members continues for the duration of your authorized period of leave. It is your responsibility to pay any employee contributions due. (If your leave is covered by the Family and Medical Leave Act, you may prepay contributions on a before-tax basis by authorizing a lump-sum payroll deduction prior to the start of your leave.)

During a period of approved disability, your Personal Accident Insurance Plan coverage will continue for you and your covered family members. It is your responsibility to pay any contributions due for Personal Accident Insurance Plan coverage on an after-tax basis (if your disability is covered by the FMLA.)

If you die while you are an active employee, your family members' coverage will continue at no cost for six months following your accidental death.

If your family member no longer meets the eligibility requirements, his or her coverage under the Personal Accident Insurance Plan ends.

It is your responsibility to cancel coverage when a family member is no longer eligible. No refund of contribution will be paid beyond the date eligibility ceases, and no benefit will be paid if your family member dies or becomes dismembered as a result of an accident.