Page 24 - 2018 Carlstar Benefit Guide
P. 24
24 BENEFITS ENROLLMENT • 2018
Business Travel Accident Insurance
The Carlstar Group understands you may be required You are automatically enrolled for BTA insurance on
to travel for business purposes from time to time. It is the irst day you are actively at work. The principal
for this reason The Carlstar Group provides Business sum of your BTA insurance is 5 times basic annual
Travel Accident (BTA) insurance at no cost to you. salary with a minimum of $250,000 and maximum of
BTA beneits are in addition to your basic life as well $1,250,000. This is subject to an $8,000,000 aggregate
as any supplemental life coverage you may purchase. amount per aircraft accident or war risk accident.
Covered Losses under the BTA Plan
The table below shows losses which are covered under the accident plan and the corresponding beneit amount
shown as a percentage of the covered person’s principal amount. Dependents traveling on business with
employees are covered under the BTA plan. These beneit amounts will be paid only if:
X You or your covered dependent’s death occurs X You or your covered dependent’s injury results in
within 365 days from the date of the accident one or more covered losses listed to the right within
365 days from the date of the accident
Injury means a bodily injury which is solely caused by external, violent, and accidental
means and is independent of any other cause.
Your Cost
The Carlstar Group pays the full cost of BTA insurance.
Summary of Benefits—BTA
Coverage Loss Business Travel Accident
Life 100%
Both hands, both feet, sight of both eyes, or combination of any 100%
Quadriplegia 100%
Paraplegia 75%
One hand, one foot, or sight in one eye 50%
Speech or hearing in both ears 50%
Hemiplegia 75%
Thumb and index inger of same hand 25% 24-Hour Emergency
Uniplegia 25% and Travel Assistance
Four ingers of the same hand 25% Services
NOTE: This booklet summarizes the provisions of the Business Travel Accident Insurance plan for The Carlstar Group Within US and
employees and underwritten by Starr Indemnity & Liability Company. This is only a brief description of the coverage(s)
available under policy series BTAD 003741. The policy contains reductions, limitations, exclusions, and termination Canada—877.984.7437
provisions. Full details of the coverage are contained in the policy. If there are any conlicts or discrepancies between this
document and the policy or if any point is not covered in this document, the terms and conditions of the policy shall govern. Outside—305.459.2482
Business Travel Accident Insurance
The Carlstar Group understands you may be required You are automatically enrolled for BTA insurance on
to travel for business purposes from time to time. It is the irst day you are actively at work. The principal
for this reason The Carlstar Group provides Business sum of your BTA insurance is 5 times basic annual
Travel Accident (BTA) insurance at no cost to you. salary with a minimum of $250,000 and maximum of
BTA beneits are in addition to your basic life as well $1,250,000. This is subject to an $8,000,000 aggregate
as any supplemental life coverage you may purchase. amount per aircraft accident or war risk accident.
Covered Losses under the BTA Plan
The table below shows losses which are covered under the accident plan and the corresponding beneit amount
shown as a percentage of the covered person’s principal amount. Dependents traveling on business with
employees are covered under the BTA plan. These beneit amounts will be paid only if:
X You or your covered dependent’s death occurs X You or your covered dependent’s injury results in
within 365 days from the date of the accident one or more covered losses listed to the right within
365 days from the date of the accident
Injury means a bodily injury which is solely caused by external, violent, and accidental
means and is independent of any other cause.
Your Cost
The Carlstar Group pays the full cost of BTA insurance.
Summary of Benefits—BTA
Coverage Loss Business Travel Accident
Life 100%
Both hands, both feet, sight of both eyes, or combination of any 100%
Quadriplegia 100%
Paraplegia 75%
One hand, one foot, or sight in one eye 50%
Speech or hearing in both ears 50%
Hemiplegia 75%
Thumb and index inger of same hand 25% 24-Hour Emergency
Uniplegia 25% and Travel Assistance
Four ingers of the same hand 25% Services
NOTE: This booklet summarizes the provisions of the Business Travel Accident Insurance plan for The Carlstar Group Within US and
employees and underwritten by Starr Indemnity & Liability Company. This is only a brief description of the coverage(s)
available under policy series BTAD 003741. The policy contains reductions, limitations, exclusions, and termination Canada—877.984.7437
provisions. Full details of the coverage are contained in the policy. If there are any conlicts or discrepancies between this
document and the policy or if any point is not covered in this document, the terms and conditions of the policy shall govern. Outside—305.459.2482
