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.
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 site 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 site 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.
When an employee reaches age 70, the Business Travel Accident Insurance benefit amount — or principal sum — will be reduced by 35%.
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 minus any amounts paid for covered losses or paralysis.
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 20% 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.
In the case of a child, "seat belt" means a child restraint — as required by state law and approved by the National Highway Traffic Safety Administration — that is properly secured at the time of the accident and is being used as recommended by its manufacturer for children of like age and weight.
Additionally, CIGNA will pay an additional 10% of the employee's, spouse's or registered domestic partner's benefit, to a maximum of $25,000, 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. This benefit is not available for covered dependent children.
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 and Disappearance Benefits — If an employee is unavoidably exposed to the elements as a result of an accident and because of exposure suffers a loss for which a benefit is otherwise payable, he or she will receive 100% of the principal sum.
If an employee was riding in a vehicle which has disappeared, been wrecked or sunk and has not been found within one year from the date of the disappearance, wreckage or sinking, it will be presumed the employee has sustained loss of life as a result of injury, provided the vehicle's disappearance, wreckage or sinking occurred under circumstances that would otherwise be covered.
Terrorism Benefits — If an employee suffers a loss of life or dismemberment due to an act or acts of terrorism, and such loss occurs within 365 days of the act(s) of terrorism, benefits are payable. For more information about these benefits and any provisions, refer to the plan's certificate of coverage.
Terrorism benefits do not apply if the loss is caused by or results from nuclear radiation or the release of nuclear energy.
"Act of terrorism" refers to a hostile or violent act carried out by a group of persons having political, military or territorial goals, but who are not operating on behalf of a sovereign state. Their purpose is to compel an act or omission by any other person or any government entity.
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.
CIGNA Secure Travel Worldwide Assistance — While traveling, if an employee experiences an unforeseen medical emergency that requires him or her to be evacuated to a medical facility for treatment, Worldwide Assistance will arrange and cover, when deemed necessary by a Worldwide Assistance-designated physician, for transportation to the nearest medical facility that can properly treat the condition.
In the event an employee should die while traveling, Worldwide Assistance will arrange for all necessary government authorizations and will cover payment for the return of the employee's remains to his or her place of residence for burial.
Owned Aircraft Benefits — If an employee suffers a loss of life or dismemberment due to an accident while traveling on business in an aircraft owned, leased or operated by Leidos, 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.
At the time of the accident, the aircraft must have had a valid certificate of worthiness, must have been flown by a pilot with a valid license, and must not have been used for crop dusting, spraying or seeding; giving and receiving flying instruction; firefighting; skywriting; sky diving or hang-gliding; pipeline or power line inspection; aerial photography or exploration; racing, endurance tests, stunt or acrobatic flying; or any operation that requires a special permit from the FAA, or for which a charge is made.
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;
- Voluntary ingestion of any narcotic, drug, poison, gas or fumes not prescribed by, and taken according to the directions of, a doctor (where applicable) — accidental ingestion of a poisonous substance is not excluded;
- Sickness, illness, disease, bodily or mental infirmity, or medical or surgical treatment thereof, or infection of any kind, other than bacterial infections due to an accidental cut, wound, botulism or ptomaine poisoning;
- Active duty in the armed forces;
- Commission of or attempt to commit a felony;
- Travel or flight in any spacecraft; or flight in any aircraft, except to the extent that this is provided for under the policy.
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.