HII Newport News Operations Summary Plan ... - Benefits Connect

Home Alternation and Vehicle Modification Benefit: The
benefit shown will be paid, subject to the following conditions
and exclusions in Q&A10, when the employee suffers a
covered loss, other than a loss of life, resulting directly and
independently of all other causes from a covered accident.
$2,000
This benefit will be payable if all of the following conditions
are met:
• The employee did not require the use of any adaptive
devices or adaptation of residence and/or vehicle prior to
the date of the covered accident causing such covered loss
• The employee now requires such adaptive devices or
adaptation of residence and/or vehicle to maintain an
independent lifestyle as a direct result of such covered loss
• The employee requires home alteration or vehicle
modification within one year of the date of the covered
accident.
Hospital Stay Benefit: The benefit shown will be paid,
subject to the following conditions and exclusions (refer to the
“Exclusions” section), if the covered person requires a
hospital stay due to a covered loss resulting directly and
independently of all other causes from a covered accident.
The hospital stay must meet all of the following:
• Be at the direction and under the care of a physician
• Begin within 90 days of the covered accident
• Begin while the covered person’s AD&D insurance is in
effect.
The benefit will be paid for each day of a continuous hospital
stay that continues after the end of the benefit waiting period
as shown in the Schedule of Benefits. Benefits will be paid
retroactively to the first day of the hospital stay.
Rehabilitation Benefit: The benefit shown in the Schedule of
Benefits will be paid, subject to the following conditions and
exclusions (refer to the ”Exclusions” section), when the
employee requires rehabilitation after sustaining a covered
loss resulting directly and independently of all other causes
from a covered accident.
The employee must require Rehabilitation within two years
after the date of the covered loss.
Definition:
Rehabilitation - medical services, supplies, or treatment, or
$1,000 per month*
Maximum: 12 months
per stay per benefit
waiting period.
*A pro rata payment
will be made for any
confinement of less
than one month.
20% multiplied by the
percentage of the
covered person’s
principal sum
applicable to the
covered loss, as shown
in the Schedule of
Covered Losses,
subject to a minimum
of $4,500 and a
maximum of $18,000.
Accidental Death & Dismemberment Insurance Plan
April 2011
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