Duke provides Business Travel and Accident Insurance benefits in the event of your death or injury while you are working as a result of an accident that occurs while you are traveling outside your city of employment, for all employees who travel on business for Duke University. Regular commuting to and from work is excluded. The plan requires that you be eligible for travel reimbursement and be on a business trip. The death or loss must occur within 365 days after the covered accident. Business Travel and Accident benefits are paid in addition to any other Duke life insurance and AD&D benefits to which you may be entitled. The plan also provides a $5000 benefit when a covered person suffers a covered loss at any time while insured by the policy.

Additionally, the plan provides assistance services as an enhancement to the policy. Services include medical evacuation/repatriation arrangements.

Enrolling

If you meet the eligibility criteria, you are automatically covered under this plan.

Funding

The benefit is entirely paid by Duke. You do not have to pay any premiums for the benefit.

Eligibility

You are automatically enrolled in this plan if you are an active employee or faculty member defined as Class 1 or Class 2. A Class 1 employee is one who works a minimum of 30 hours a week and is under 70 years of age. A Class 2 employee is one who works a minimum of 30 hours a week and is over 70 years of age.

House Staff, casual labor, students, or employees covered by a collective bargaining agreement (unless coverage was mutually agreed to in the bargaining agreement) are not eligible for this plan.

Your dependents may also be eligible for coverage under this plan only while they are traveling on business or relocation with you. Please refer to the Summary Plan Description for additional information pertaining to eligibility for this benefit.

Benefit Amount

The plan provides up to $200,000 in the event of death from a covered accident payable to your beneficiary or estate. The benefit amount in the event of dismemberment varies based upon the degree of injury, up to the $200,000 maximum. If you sustain injuries as the result of a covered accident which results in your total disability which is permanent and continuous during your life, you will receive up to $200,000 after a 365-day waiting period. The plan also provides a $5000 benefit when a covered person suffers a covered loss at any time while insured by the policy.

Duke reserves the right, in its sole discretion, to modify, suspend or terminate this program at any time, for any reason.