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Faculty and Staff.

Individuals represented by collective bargaining agreements receive benefits in accordance with those agreements.

1. Policy: The Travel-Accident Insurance Plan provides insurance in case of accidental death or dismemberment of a University faculty or staff member traveling on University business away from the principal place of employment.
2. Guidelines:
   1. Faculty and staff are eligible for Travel-Accident Insurance upon appointment.
   2. Travel-Accident Insurance is paid for entirely by the University.
   3. Coverage applies only to University business trips and related professional business travel. It does not apply to vacation or personal travel.
   4. The maximum death or dismemberment benefit is $50,000, unless the death or dismemberment results from injury involving aircraft when the maximum benefit is $100,000. The plan has an aggregate per-accident limit of $2,500,000: if more than 25 valid claims of $100,000 each as the result of one accident, each beneficiary would receive a pro rata share of $2,500,000.
   5. The benefits provided under this plan are in addition to those provided by the University of Rochester Life Insurance Plan (including its Accidental Death and Dismemberment benefit).
   6. Coverage During Job-Related Disability
      Travel-Accident Insurance is suspended for faculty and staff members who are receiving benefits under Workers' Compensation, the Short-Term or Long-Term Disability Plans.
   7. Coverage During Leave of Absence
      During a paid leave of absence, Travel-Accident Insurance continues.
      Faculty and staff members on a leave of absence for personal reasons are not covered under the Travel-Accident Policy. However, faculty and others on a professional leave of absence (sabbatical) are covered for their professional travel, including attendance at professional conferences, research trips, etc.
   8. Coverage During Layoff*
      During a temporary or indefinite layoff, Travel-Accident Insurance is suspended.
      *This section does not apply to faculty.
   9. Coverage on Retirement, Termination or on Change to Ineligible Status.
      If a faculty or staff member retires, terminates employment or changes to an ineligible status, Travel-Accident Insurance is cancelled on the last day before retirement, or on the date of termination or change in status.
3. Procedures:
   1. The beneficiary(ies) under this policy will be the same as that designated under the University's Basic Life Insurance Plan, unless the faculty or staff member requested a different beneficiary for this coverage. The beneficiary for faculty and staff members not eligible for the University's Basic Life Insurance Plan is the individual's estate, unless a different beneficiary had been specified under this plan.
   2. Claims under this policy should be filed with the Benefits Office. The Benefits Office will forward the claim form, together with the appropriate proof-of-death forms or dismemberment forms, to the insurance company for review, approval and payment.
   3. The Summary Plan Description describing the Travel-Accident Plan is available in the Benefits Office.
   4. The University reserves the right to modify, amend or terminate any or all of the Benefit plans at any time. For example, there may be such changes as reducing the coverage of a plan, requiring employee contributions, or increasing or decreasing benefit levels. If one or more plans is terminated, the termination will not affect those benefits which are being paid to employees prior to the termination but there will be no benefits paid to those who would have become entitled to payment after the date of termination.