Business Travel Accident Insurance
How Business Travel Accident Insurance Works
Employees automatically receive coverage equal to three times their annual compensation, to a maximum of $500,000. This is known as the "principal sum."
Leidos pays the full cost of coverage.
"Annual compensation" means an employee's annual wage or salary as reported by his or her employer for the work performed as of the date of loss. It does not include earnings received as bonuses, overtime pay or other extra compensation. Commissions will be averages for the 12 months just prior to the date the covered loss occurs, or the months employed, if less than 12 months.
In the event of an employee's death while traveling on Leidos-related business, benefits will be paid to the designated beneficiary. If an employee accidentally suffers dismemberment, the benefits will be paid directly to the employee. The chart below shows the benefit payments under the Business Travel Accident Insurance plan:
FOR THE LOSS OF* THE EMPLOYEE WILL RECEIVE
- Two or more members
- Loss of site in both eyes
- Both upper and lower limbs (quadriplegia)**
- Loss of sight in both eyes
- Speech and hearing in both ears
100% of the principal sum
- One member
- Both lower limbs (paraplegia)**
- Upper and lower limbs on one side of the body (hemiplegia)**
- Loss of sight in one eye
- Hearing in both ears
50% of the principal sum
- Thumb and index fingers of the same hand
- All four fingers of the same hand
- Loss of all toes of the same foot
25% of the principal sum
* An employee's loss must occur within 365 days of the date of the accident. "Member" means hand, foot or eye. "Loss of a hand or foot" means complete severance through or above the wrist or ankle joint. "Loss of sight" means total, permanent and irrevocable loss by natural, surgical or artificial means. "Loss of speech" means total, permanent and irrevocable loss of audible communication. "Loss of hearing" means total and permanent loss of hearing in both ears which cannot be corrected by any means. "Loss of a thumb and index finger" means complete severance through or above the metacarpophalangeal joints (the joints between the fingers and the hand).
** These injuries — or paralyses — mean the loss of use, without severance, of a limb. Such a loss must be determined by a doctor to be complete and not reversible.
Defining Leidos-Related Travel
"Leidos-related travel" means that the employee is traveling on a required business trip away from where he or she is permanently assigned to work. Coverage will begin from the start of a planned trip. The employee may leave from his or her place of work, home or another location. Coverage ends upon the employee's return to his or her place of work or home, whichever occurs first. These benefits are subject to the conditions, limitations and exclusions of the policy.
Business-related travel does not include any commuting travel or time the employee is regularly commuting directly from his or her place of work to home, or vice versa.
Business Travel Accident Insurance also pays additional benefits, including:
Monthly Coma Benefit — If a participant is in a coma for at least 31 consecutive days as a result of an accident, a monthly coma benefit of 1% of the principal sum will be paid. This benefit will be paid until the participant's recovery, the 11th month of payment, or the participant's death, whichever is earliest.
If the participant dies while in a coma or remains comatose after 11 months of benefit payments, the plan will pay a lump sum to the participant's beneficiary equal to the principal sum.
Seat Belt(s) and Airbag Benefit — If a participant dies as a direct result of injuries sustained in a covered accident while driving or riding in an automobile and he or she was wearing a seat belt, CIGNA will pay a seat belt benefit to the designated beneficiary. The benefit will be at least $1,000, to a maximum of 25% of the participant's benefit or $25,000, whichever is less. A participant's beneficiary will receive the seat belt benefit if:
- The automobile the participant was driving/riding in was equipped with seat belts;
- The seat belt(s) was in actual use and properly fastened at the time of the covered accident; and
- The position of the seat belt(s) was certified in the official report of the covered accident or by the investigating officer. A copy of the police accident report must be submitted with the claim. If certification is not available but it is clear that the participant was properly wearing a seat belt, CIGNA will pay the additional benefit. If, however, certification is not available and it is not certain that the participant was wearing a seat belt, then the benefit will be fixed at $1,000.
Additionally, CIGNA will pay an additional 10% of the employee's, spouse's or registered domestic partner's benefit, to a maximum of $12,500, if a seat belt benefit is payable to him or her, and he or she was positioned in a seat that was protected by a properly functioning, original, factory-installed supplemental restraint system (airbag) that inflates on impact.
Verification of the proper inflation of the supplemental restraint system at the time of impact must be part of the official accident report or be certified, in writing, by the investigating officers.
"Automobile" means a self-propelled, private passenger motor vehicle with four or more wheels that is of a type both designed and required to be licensed for use on the highway of any state or country. Automobiles include but are not limited to sedans, station wagons, sport utility vehicles, Jeep, pickups, vans, campers or motor homes. Automobiles do not include mobile homes or motor vehicles used for mass or public transportation.
No benefit will be paid if the accident causing the participant's death occurred as a result of participation in a race, or a speed or endurance test.
Exposure - If a covered person suffers a covered loss which results directly and independently of all other causes from unavoidable exposure to the elements following a covered accident, the principal sum will be paid.
Disappearance Benefits - If a covered person disappears and is not found within one year from the date of the wrecking, sinking or disappearance of the conveyance in which the employee was riding in the course of a trip which would otherwise be covered, it will be presumed that the employee's death resulted directly and independently of all other causes and the principal sum will be paid.
Brain Damage — If a covered person becomes brain damaged within 30 days and as a result of a covered accident, the plan will pay 100% of the principal sum. The covered person must be hospitalized for treatment of the brain damage at least 7 of the first 30 days of the injury, and the brain damage must continue for at least 12 months.
If, after 12 months of continuous brain damage, a physician determines that the covered person is permanently and totally disabled due to the brain damage, benefits will be paid in a lump sum at the beginning of the 13th month following the original date of the injury.
Rehabilitation — If a covered person suffers a covered loss due to an accident, the plan will pay a benefit equal to 10% of the principal sum, to a maximum of $10,000, for covered rehabilitative expenses. Rehabilitative expenses must be incurred within two years of the covered accident.
Home Alterations and Vehicle Modifications — If a covered person suffers a covered loss, other than a loss of life, due to an accident, the plan will pay a benefit equal to 10% of the principal sum, to a maximum of $10,000, for home alterations and vehicle modifications to accommodate the participant’s injury.
Accidental Burn and Disfigurement Benefit - If a covered person suffers a covered injury that leaves him/her disfigured, and that covered injury resulted directly and independently of all other causes from a covered accident, and the disfigurement satisfies the following conditions, then an accidental burn and disfigurement benefit will be paid.
- reconstructive or cosmetic surgery is required to restore the employee’s physical abilities or correct Disfigurement, and must be performed within twelve months of the covered accident;
- a Physician must determine that the burn satisfies all of the following:
- involves the minimum percentage shown below;
- be classified as shown below; and
- results in disfigurement or loss of physical abilities.
For purposes of this benefit: Disfigurement or Disfigured means spoiled or deformed appearance that can be corrected by means of reconstructive or cosmetic surgery.
Carjacking Benefit - If the covered employee suffers a covered loss resulting directly and independently of all other causes from a covered accident that occurs during a carjacking of an automobile that the employee was operating, getting into or out of, or riding in as a passenger. A carjacking benefit of 10% multiplied by the percentage of the principal sum applicable to the covered loss will be paid, up to a maximum of $25,000
Verification of the Carjacking must be made part of an official police report within 24 hours of the Carjacking, or as soon as reasonably possible, or be certified in writing by the investigating officer(s) within 24 hours or as soon as reasonably possible.
Felonious Assault and Violent Crime Benefit - If a covered employee suffers a covered loss resulting directly and independently of all other causes from a covered accident that occurs during a violent crime or felonious assault as described below. A police report detailing the felonious assault or violent crime must be provided before any benefits will be paid. The covered accident must occur while the covered employee is on the business or premises of the Employer.
To qualify for benefit payment, the covered accident must occur during any of the following:
- actual or attempted robbery or holdup;
- actual or attempted kidnapping;
- any other type of intentional assault that is a crime classified as a felony by the governing statute or common law in the state where the felony occurred.
The insurance company will pay a hospital stay benefit, subject to the following conditions and exclusions, when the covered employee suffers a covered loss resulting directly and independently of all other causes from a covered accident that occurs during a violent crime or felonious assault if all of the following conditions are met:
- the covered employee is covered for hospital stay benefits under this Policy;
- the hospital stay begins within 30 days of the violent crime/felonious assault;
- the hospital stay is at the direction and under the care of a Physician;
- the covered employee provides proof satisfactory to Cigna that his/her hospital stay was necessitated to treat covered injuries sustained in a covered accident caused solely by a violent crime or felonious assault;
- the Hospital Stay begins while the covered employee’s insurance is in effect.
A felonious assault/violent crime benefit of 10% multiplied by the percentage of the principal sum applicable to the covered loss will be paid, up to a maximum of $25,000 as well as a hospital stay benefit of $100 per day to a maximum benefit period of 365 days per hospital stay, per covered accident.
War Risk Benefits — If an employee suffers a loss of life or dismemberment due to war or an act of war, whether declared or undeclared, and such loss occurs within 365 days of the covered accident, benefits are payable. For more information about these benefits and any provisions, refer to the plan's certificate of coverage.
War risk coverage does not apply if the loss occurs in the United States or in any nation in which the covered employee is a citizen.
CIGNA Secure Travel Worldwide Assistance — Cigna Secure Travel is a comprehensive worldwide travel assistance program including pre-trip planning, assistance while traveling and emergency assistance. All of the program services are available when the covered person is traveling 100 miles or more from home. Services for medically necessary transport, return of dependent children, return of a traveling companion, visit of a family member/friend and repatriation of remains are covered by the program. Expenses for local ambulance or medical care are not covered under the program.
Personal Deviation — If an employee suffers a loss of life or dismemberment due to an accident while outside the employee's city of permanent assignment which occurs seven days before or seven days after a scheduled business trip, and such loss occurs within 365 days of the covered accident, benefits are payable. For more information about these benefits and any provisions, refer to the plan's certificate of coverage.
Business Travel Accident Insurance will not pay benefits resulting from:
- Intentionally self-inflicted injury, suicide, attempted suicide or any attempt while sane or insane;
- Commission of or active participation in a riot or insurrection;
- Declared or undeclared war or act of war;
- Flight in, boarding or alighting from an aircraft or any craft designed to fly above the earth's surface as follows:
- being flown by the covered person or in which the covered person is a member of the crew;
- being used for crop dusting, spraying or seeding, giving and receiving flying instruction, fire-fighting, sky writing, sky diving or hang-gliding, racing, stunt or acrobatic flying; or
- an ultra-light or glider;
- designed for flight above or beyond the earth’s atmosphere;
- Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infections due to an accidental external cut, wound, or accidental ingestion of contaminated food;
- Commission of or attempt to commit a felony or an assault;
- Travel or flight in any aircraft owned, leased or controlled by Leidos or any of its subsidiaries or affiliates. An aircraft will be deemed to be "controlled" by Leidos in the aircraft may be used as Leidos wishes for more than 10 straight days, or more than `5 days in any year;
- Voluntary ingestion of any narcotic, drug, poison, gas or fumes unless prescribed by or taken according to the directions of, a doctor
- A covered accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days;
- Operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the covered accident occurred.
Only one amount, the largest to which the employee is entitled, will be payable for all losses resulting from one covered accident.
The total amount the plan will pay as the result of any one accident is $20 million. If multiple employees are involved in a single accident and their claims for benefits total more than $20 million, the employee's benefit will be determined using the following formula: $2 million divided by the total amount claimed by all employees. The result of applying this formula will be a percentage, and the employee's benefit will be this percentage of the amount he or she originally claimed.