There is a benefit of the lesser of $25,000 or 10% of the employee's principal sum under the Personal Accident Insurance Plan if you were wearing a properly fastened seat belt and the automobile air bag system properly inflated upon impact during a car accident that causes death.

If you have elected family coverage and die while covered under the Personal Accident Insurance Plan, your children may receive an education benefit. The education benefit is 5% of the employee's principal sum but no more than the actual annual tuition and is paid annually, for a maximum of four consecutive years, as long as your child remains a full-time student.

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 5% of your principal sum to a maximum of $10,000 to your designated beneficiary.

If you have elected family coverage and die while covered under the Plan, your spouse may receive an education benefit. The education benefit is the lesser of the actual annual tuition or $5,000 a year, for up to four consecutive years.

To qualify, your spouse has to be:

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

If your spouse 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 your spouse is not eligible for this benefit within 30 months after your death, a one-time lump sum amount of $1,000 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 70 or below to qualify for this benefit. This benefit is not provided after age 70 because of significant cost considerations in providing such coverage.

There is no additional benefit for work-related accidents under the Personal Accident Insurance 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 accidentally dies, a day care expense benefit of up to 5% of your principal sum (not to exceed $10,000) 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 3% of your principal sum (not to exceed $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.

60% of your principal sum is payable to a covered person who becomes totally and permanently disabled (as defined by the Claims Administrator) before age 70. The disability must be the result of an accident and must occur within 180 days after the accident

Following your accidental death, your covered family members' coverage will continue at no cost for six months.

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

If both you and your covered family members suffer a loss from the same accident, the Plan's payment for all of you combined is limited to an increase in the family member's benefit by 100% up to a maximum of $2 million provided that all suffer loss of life within 90 days of the accident and the accident occurs at the same time within 24 hours of each other.