If you are eligible for benefits from the Plan, you or your beneficiary will receive a lump sum check.

If you suffer dismemberment, you will receive the benefit check directly.

If you die, your designated beneficiary will receive the benefit check.

Salary for the purpose of this Plan is your annual base salary (excluding overtime, bonuses, commissions, and other extra compensation).

Your Business Travel Accident Insurance benefit is based on your salary and will change when your salary changes (but the benefit will be limited to the maximum coverage level).

Your benefits, and if applicable, the benefit of your family members approved to travel with you, will be reduced from the principal sum for the Business Travel Accident Insurance Plan according to your age on the date of the accident as follows:

This reduction in benefit takes into consideration the increased cost in providing coverage at and after age 70.

For employees located outside the U.S. and Canada who are not classified on U.S. or Canadian payroll, benefits under this plan shall be reduced by any benefits paid under a local Travel Accident Program for the same accident.