There is a benefit of the lesser of $50,000 or 10% of the employee's principal sum under the Business Travel 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 caused death.

The Plan covers loss resulting from worldwide terrorism regardless of whether they are also considered to be acts of war. This includes terrorism while on any premises of the Company, subject to the policy aggregate limit of $50,000,000. However, the Plan's insurer has the right to discontinue this coverage with 10 days' notice to the Company, in which case a benefit will not be paid.

The Plan covers loss resulting from a bomb explosion, threat of bombing, bomb scare or bomb search on any premises of the Company subject to the policy aggregate limit of $50,000,000.

The Plan covers loss resulting from a hijacking/skyjacking or any attempt, threat, and exposure resulting there from.

The Plan does not cover loss resulting from declared or undeclared acts of war in the United States or the employee's country of permanent residence. The Plan covers losses occurring in any other designated war risk territory worldwide; however, the Plan's insurer has the right to discontinue this coverage with 10 days' notice to the Company, in which case a benefit will not be paid.

If the body of the employee has not been found within one year of the disappearance, forced landing, stranding, sinking or wrecking of a conveyance in which the employee was an occupant, then it shall be deemed that the employee suffered loss of life within the meaning of the policy.

To the maximum extent permitted by law, the Plan is entitled to equitable or other permitted remedies, including a lien or constructive trust, to recover any amounts received as a result of a judgment, settlement or other means of compensation for conditions or injuries which have resulted in the payment of benefits under this plan. This shall include, but is not limited to, damages for pain and suffering and lost income.

The Plan is entitled to recover these amounts from the participant, any covered family member or beneficiary, or any other person holding them, up to the amount of all payments made or payable in the future. The Plan has no priority to any and all funds recovered in any full or partial recovery, including funds intended to compensate for attorney's fees and other expenses.

As a condition of receiving benefits under this plan, you agree that: