Business Travel Accident Insurance

A&B provides all employees who travel on company business with Business Travel Accident (BTA) Insurance. You do not pay for this coverage, nor do you elect it when you enroll in FlexSolutions; you will automatically be enrolled.

BTA Insurance pays benefits for death or bodily injury caused by an accident that occurs while you are traveling on authorized company business.

This benefit is paid in addition to any Employee Life and/or AD&D benefits payable to you or your beneficiaries, respectively.

Twenty-four hour coverage starts when you begin a planned business trip by leaving your home, work or other location. Coverage ends when you return to your regular place of work or home, whichever occurs first.

Coverage for air travel is limited and certain exclusions apply. Also, while regular commuting to and from work is not covered by the BTA Plan, other activities that may be associated with your work may be covered. For more information, contact your local Human Resources representative.

Your BTA coverage amount will be based on a multiple of your salary, up to the Plan maximum. Currently (and until otherwise notified) your BTA coverage amount will equal three times your annual base salary, up to a maximum of $500,000. (Your actual coverage amount is noted on your FlexSolutions Enrollment Form.)

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.

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

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.