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FOREWORD The University Corporation for Atmospheric Research (UCAR) is the Holder of a policy of Travel Accident Insurance which helps provide protection for employees against the hazards of business travel. UCAR pays the entire cost of this insurance plan. All employees of UCAR are eligible and are covered anywhere in the world for accidental injury sustained during the course of any trip made on behalf of UCAR excluding commuting to and from work and vacations. For the purposes of this insurance the trip will be considered as commencing when you leave your residence or place of regular employment, whichever you leave last, for the purpose of going on such trip, and the trip shall continue until you return to your residence or your place of regular employment, whichever you return to first. A business trip made on behalf of UCAR for the purpose of this insurance plan means travel and sojourn authorized by or at the direction of UCAR for the purposes of furthering the business of UCAR. The description of the program given here is for general information only and should not be relied upon as accurately defining all benefits or all limitations on such benefits. The applicable benefits, conditions and limitations are those set forth in the master policy. In case of discrepancies between this book and the contract, the provisions in the contract will govern. AIR TRAVEL COVERAGE You are also covered anywhere in the world while on a business trip made on behalf of UCAR and while riding as a passenger and not as a pilot, operator or member of the crew in any aircraft being used for the transportation of passengers. In addition you are also covered anywhere in the world while on a business trip made on behalf of the Holder and while riding as a passenger or crew member in any aircraft owned, operated or leased by UCAR provided such aircraft and crew member have been previously consented to in writing by the insurance company. If you have questions regarding coverage in aircraft owned, operated or leased by UCAR, contact the UCAR Benefits Administrator. INDIVIDUAL EFFECTIVE DATE You do not have to enroll. You are automatically covered as of the date you become an eligible employee of UCAR. AMOUNT OF PRINCIPAL SUM All eligible employees are covered for $150,000 principal sum. AGGREGATE LIMIT The maximum amount payable for all persons insured under this plan who are involved in the same accident is $2,000,000, except with regard to aircraft owned, operated or leased by UCAR. If you have questions regarding the aggregate limit for such aircraft, contact the UCAR Benefits Administrator. ACCIDENTAL DEATH AND DISMEMBERMENT INDEMNITY When a covered injury results in any of the following losses to an insured person within 365 days after the date of the accident, the insurance company will pay in one sum the indicated percent of the principal sum for:
"Loss" as above used with reference to hand or foot means the actual, complete and permanent severance through or above the wrist or ankle joint; as used with reference to eye means irrecoverable loss of entire sight thereof; as used with reference to speech means complete and irrecoverable loss of speech; as used with respect to hearing means complete and irrecoverable loss of hearing in both ears; and as used with respect to thumb and index finger means the actual, complete and permanent severance through or above the metacarpophalangeal joints. Indemnity provided under this provision will not be paid, under any circumstance, for more than one of the above losses, the greatest, sustained by you as the result of any one accident. DISAPPEARANCE 100% of your benefit amount will be paid to your beneficiary if you are not found within one year of the disappearance, sinking, or wrecking of a conveyance in which you were riding. EXPOSURE TO THE ELEMENTS If you are exposed to the elements as the result of an accident and suffer any loss otherwise covered under the policy, your benefits will be payable. DESIGNATION OF BENEFICIARY That beneficiary or those beneficiaries specifically designated in writing by you for this insurance and on file with UCAR; otherwise, to that beneficiary or those beneficiaries specifically designated in writing by you for UCAR's group Life Insurance policy. Otherwise, to the first of the following surviving you: Your A) spouse; B) children; C) parents; D) brothers and sisters, or E) estate. INDIVIDUAL TERMINATIONS Your insurance will terminate on the earliest of the following dates:
EXCLUSIONS Under this plan you are not covered for:
This insurance is underwritten by the Continental Casualty Company, Chicago Illinois on Policy form Pl-66721-A. Plan Name: Group Travel Accident Insurance for UCAR Staff Employer ID Number: 84-0412668 Plan Number: 505 Plan Sponsor: University Corporation for Atmospheric Research1850 Table Mesa Drive Boulder, CO 80307-3000 Type of Plan: Welfare Plan Year Ends: September 30 Plan Administrator: University Corporation for Atmospheric Research1850 Table Mesa Drive Boulder, CO 80307-3000 (303) 497-8702 Plan Cost: Paid by Employer Agent for Legal Process: University Corporation for Atmospheric Research1850 Table Mesa Drive Boulder, Colorado 80307-3000 Plan Benefits Provided by: Continental Casualty Company Chicago, Illinois Plan Eligibility and Benefits: See this booklet for description of benefits and eligibility requirements. UCAR reserves the right to increase or decrease its contribution, and to amend the terms of the plan as to eligibility and participation, and otherwise to modify or abandon this group accident insurance plan. This booklet describes the features of this Group Travel Accident Insurance in general terms and is not to be considered the contract of insurance. The provisions described herein are subject to the coverage set forth in the master group insurance policy underwritten by the Continental Casualty Company, Chicago, Illinois. March 1998 |
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