Accidental Death

Accidental Death & Dismemberment

ABX Air provides full-time employees with a 100% company paid Accidental Death & Dismemberment policy equal to 1 1/2 times your annual base salary rounded up to the next $1,000. The benefit is insured by The Hartford. The maximum benefit is $350,000 ($225,000 for flight crew members). Coverage is 24 hours a day at home or work and away from home or work.

The Accidental Death & Dismemberment benefit will pay your beneficiary if you should die because of an accident. The plan also provides a benefit if you should have a limb accidentally severed. The schedule of benefits is:

Accidental Death & Dismemberment	Percent of principal paid
Loss of life	100%
Loss of both hands or both feet	100%
Loss of sight in both eyes	100%
Loss of one hand and one foot	100%
Loss of one hand or foot and sight in one eye	100%
Quadriplegia (total paralysis of upper and lower bodies)	100%
Loss of speech and hearing in both ears	100%
Loss of one hand or foot	50%
Loss of sight in one eye	50%
Paraplegia (total paralysis in both lower limbs)	50%
Hemiplegia (total paralysis in upper and lower limbs on one side of body	50%
Loss of speech	50%
Loss of hearing in both ears	50%
Loss of thumb and index finger on same hand	25%

Points to note about AD&D insurance:

AD&D insurance will not be paid for loss caused, contributed to directly or indirectly, by:

Physical or mental illness or treatment for the illness; or
Any infection, except infection caused by an external visible wound accidentally sustained; or
Insurrection, war, or any act of war, except while traveling on ABX Air business; or
Suicide, attempted suicide or intentionally self-inflected injury; or
Committing or trying to commit a felony or other serious crime or an assault; or
Travel or flight in an aircraft, including boarding or alighting there from, while operating, learning to operate or
servicing as a crew member, except ABX Air aircraft on company business.

More information about death benefits while flying

Revised: March 23, 2010.