How Benefits Are Paid

If, as the result of a covered accident, you...

  • Die, your beneficiary(ies) will receive the full amount of your coverage.

  • Are dismembered (i.e., suffer a loss of a limb or sight), you will receive all or part of your coverage amount.

The table below outlines the benefit payments made based on the extent of the loss. Note that the BTA Plan pays only one benefit as a result of any one accident.

BTA Benefit Payment Schedule
If You... BTA Insurance Pays...

Die

Lose both hands, both feet or sight in both eyes

Lose both speech and hearing

Lose any of the following two: one hand, one foot, sight in one eye

100% of coverage amount

Lose sight in one eye

Lose speech or hearing

Lose one hand or one foot

50% of coverage amount

Lose a thumb and index finger on the same hand

25% of coverage amount

A loss means either the complete severance of a hand or foot at or above the wrist or ankle joint, the total irrevocable loss of sight, or in the case of a thumb and index finger, the actual severance through or above the entire digit.
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Exclusions

The BTA Insurance Plan does not cover losses caused or contributed by...

  • Suicide or attempted suicide whether committed while sane or insane, or an intentionally self-inflicted injury

  • War (declared or undeclared), or any act of war

  • Committing or attempting to commit a felony

  • Injury while the covered individual is on full-time active duty in any armed forces

  • Sickness, disease, bodily or mental infirmity, or medical or surgical treatment for such a condition; or, a bacterial or viral infection regardless of how contracted —this does not include a bacterial infection that is the natural and foreseeable result of an accidental external cut or wound, or accidental food poisoning

  • Travel or flight in any spacecraft or aircraft; however, accidents arising from travel in an aircraft will be covered if the individual is a passenger (not as a pilot or member of the crew) and the aircraft:

    • has a certificate of airworthiness

    • is flown by a pilot with a valid license

    • is not being used for...

      • crop-dusting

      • spraying or seeding

      • firefighting

      • skywriting

      • skydiving or hang-gliding

      • pipeline or power line inspection

      • aerial photography or exploration

      • endurance tests, or stunt or acrobatic flying

      • any operation that requires a special permit from the FAA, regardless of whether the permit is granted, unless the permit is requested only because of territorial or air space restrictions

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Travel Assistance Benefits

A&B's BTA Insurance Plan includes several other features designed to assist you when you travel on company business. These features are provided through Worldwide Assistance Services Inc. (WA). You can access Worldwide's customer service center 24 hours a day, 365 days a year from anywhere in the world when you are traveling at least 100 miles from home.

Pre-Trip Information

Before a trip, you can contact WA for the following information (as it applies to your destination)...

  • Inoculations and visas

  • Cultural information and special events

  • Weather information

  • Embassy and consular referral

  • Foreign exchange rates

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Medical Assistance

In the event of a medical emergency during your trip, WA can help by providing these services, as appropriate...

  • Emergency medical referrals to physicians in the area in which you are traveling

  • Establishing communication with local attending medical personnel in order to monitor your condition

  • Arranging (and paying for) the transportation for the return home of dependent children under age 16 who are left unattended as a result of your hospitalization

  • Arranging (and paying for) the return of a traveling companion in the event of delays due to your medical emergency

  • Arranging (and paying for) a visit by a family member or friend if you are traveling alone and are hospitalized for at least 10 days

  • Advancing up to $5,000 to cover on-site medical expenses upon receipt of a satisfactory guarantee of reimbursement

  • Attempting to arrange for the emergency replacement of prescription medication

  • Arranging and paying for the transportation of remains to your place of residence in the event of your death

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Travel and Communication Assistance

WA also offers these services...

  • Emergency telephone interpretation services in all major languages

  • Relay and retention of emergency messages

  • Emergency travel arrangements

  • Assistance in locating lost luggage or documents

  • Legal referrals and assistance in securing and posting bail bonds worldwide (where permitted by local law)

  • Emergency cash advances of up to $250, upon satisfactory guarantee of reimbursement

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How To Access The Travel Assistance Services

To access WA's services, from the U.S. or Canada, call 888-226-4567; if you are traveling in another location, call (collect) 202-331-7635. You can also contact WA via...

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