How the Plan Works

Who's Eligible
When Coverage Begins and Ends
Covered Travel
Beneficiary Designations
Filing a Claim

Who's Eligible

Employees

You are eligible if you are a full-time employee who works at least 20 hours per week.

Spouses

Spouse means your husband or wife or who is recognized as such by the laws of the jurisdiction in which you reside.

Domestic Partners

Domestic partner means a person designated by you who is registered as a domestic partner or legal equivalent under laws of the governing jurisdiction or who:

Is at least 18 years of age and competent to enter into a contract;
Is not related to you by blood;
Has exclusively lived with you for at least twelve months prior to the date of enrollment;
Is not legally married or separated; and
As of the date of enrollment, has at least two of the following financial arrangements with you:
- A joint mortgage or lease;
- A joint bank account;
- Joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or
- A joint credit card account with a financial institution.

Neither you nor your domestic partner can be married to, nor be in a civil union with anyone else.

Dependent Child

Dependent child means your unmarried child from the moment of birth, including a natural child, grandchild, stepchild or adopted child from the date of placement with a Primary Insured Person.

The dependent child must be primarily dependent you for maintenance and support, and must be:

Under the age of 19;
Under the age of 25 if enrolled as a full-time student at an Institution of higher learning; or
Is incapacitated (permanently incapable of self-support).

If you are an eligible employee, your BTA coverage begins automatically on your date of hire as long as you are actively at work. Proof of good health is not required. Your dependent's coverage begins on the same date as your coverage, or on the date he or she becomes an eligible dependent if later.

BTA coverage ends on the earliest of the following:

The date the BTA Plan terminates,
The last day of the period for which premiums have been paid, or
The date you or your dependents are no longer eligible for coverage.

Covered Travel

The BTA Plan covers a loss from accidental injury or death that happens while you are on a Company-approved business trip that is for 180 days or less.

A covered business trip also includes a personal excursion if it coincides with the business trip and is limited to no more than seven consecutive days immediately prior to, during, or immediately following the business trip :

A trip does not include your regular commute between your home and work.

A covered trip begins from the time you leave your home or work location (whichever occurs last) for a business trip. Coverage ends when you return to your home or work location (whichever occurs first).

Beneficiary Designations

You and your spouse or domestic partner have the right to designate a beneficary. You may designate a beneficiary for a dependent child who is a minor.

If you die without naming a beneficiary, or if your beneficiary dies before you, your death benefits will be paid to your survivors in the following order:

Your spouse or domestic partner
Your children in equal shares
Your parents in equal shares
Your siblings in equal shares
Your estate

You may change your beneficiary at any time by completing a life insurance beneficiary form. Your change will take effect the date you return your signed form to the Benefits Department.

For dependent insurance, benefits will be paid to you. If you are not living at the time benefits would otherwise be paid, benefits will be paid to your estate.

Filing A Claim

You or your beneficiary should follow these steps to file a claim for benefits:

You or the beneficiary should contact the Benefits Department as soon as possible. The Benefits Department will provide the necessary forms.
These forms should be completed and returned to the Benefits Department immediately. The Company will forward the forms to the insurance company. In general, the insurance company must receive these forms within 20 days of loss.
Payment will generally be made to you or your named beneficiary within 60 days after Chubb receives proof of loss.
If a beneficiary is a minor or mentally incompetent, payment will be made to the beneficiary's legal guardian.

While the Company does not expect any problems to arise, you and your beneficiary should know that there is a process for appealing a denied claim. For information about this process, see the Legal Information.