BTA Benefit Summary
Your coverage amount is based on your employment classification as follows:
- President, Officers, and Vice Presidents—$1,000,000
- Directors, Managers, and Supervisors—$500,000
- Salespersons—$250,000
- All other active full-time employees of Canon Medical Systems—$100,000
- Spouses and domestic partners—$25,000
- Dependent children—$10,000
The BTA Plan may also pay a partial benefit if you suffer certain injuries, such as loss of a limb, hearing, eyesight, or paralysis as the result of a covered accident.
No more than $10,000,000 will be payable per covered accident if more than one employee incurs a loss as a result of the same accident.
If you die or suffer a loss as the result of a covered accident within 365 days of the date the accident occurs, the BTA Plan will pay the percentage of your coverage amount as shown in the following table:
| FOR THE LOSS OF... |
THE BTA PLAN PAYS... |
| Your life |
100% |
| Speech and hearing in both ears |
100% |
| Speech and one hand, one foot, or sight in one eye |
100% |
| Hearing in both ears and one hand, one foot, or sight in one eye |
100% |
| Both hands or both feet or sight in both eyes |
100% |
| Combination of any two of the following: One hand, one foot, or sight in one eye |
100% |
| Quadriplegia (complete and irreversible loss of all motion of both arms and legs that lasts longer than 365 days) |
100% |
| Paraplegia (complete and irreversible loss of all motion of both legs that lasts longer than 365 days) |
75% |
| Hemiplegia (complete and irreversible loss of all motion of one arm and one leg on the same side of the body that lasts longer than 365 days) |
50% |
| One hand or one foot or sight in one eye |
50% |
| Speech or hearing in both ears |
50% |
| A thumb and index finger on the same hand |
25% |
| Uniplegia (complete and irreversible loss of all motion of one arm or leg that lasts longer than 365 days) |
25% |
| For the purposes of this plan, loss of hand means complete severance of at least four fingers at or above the metacarpal phalangeal joint on the same hand or at least three fingers and the thumb on the same hand; loss of foot means complete severance through or above the ankle joint; loss of thumb and index finger means complete severance through the metacarpophalangeal joints of both digits; loss of sight means permanent loss of vision and remaining vision must be no better than 20/200 using a corrective aid or device; loss of speech means permanent, irrevocable, and total loss of the capability of speech without the aid of mechanical devices; loss of hearing means permanent, irrevocable, and total deafness, with an auditory threshold of more than 90 decibels in each ear, that cannot be corrected by any aid or device. All losses must be determined by a physician. |
If you sustain more than one loss as the result of the same covered accident, the plan will pay only one amount—the largest to which you are entitled, not to exceed a total benefit of 100% of your coverage amount.
For example, if you lose both feet, and the thumb and index finger of one hand, the plan will pay a total benefit of 100% of your coverage amount—not 100% for the first loss and 25% for the second loss.
Additionally, the plan will not pay more than $10,000,000 for any accident in which more than one employee is injured or killed. In any case where this limit is imposed, benefits will be reduced in the same proportion for each covered individual.