You - You are eligible for coverage if you are an active full-time U.S. employee of Genesys, regularly working a minimum of 20 hours per week.
 

Your Family - You may elect to cover your lawful spouse under age 70 and your unmarried dependent children who are under age 19 (or under age 24 if they are full-time students). Children must be dependent upon you for support and maintenance.
 

No one may be covered more than once under this plan. If covered as an employee, you cannot also be covered as a dependent.

You - You may select coverage in $25,000 units from $25,000, up to a maximum of $500,000 of coverage for yourself.

Your Spouse - Your Spouse's benefit amount will be either 50% or 100% of your elected coverage amount, not to exceed $500,000.
 

Your Children - Your children can be covered equal to 10% of your benefit amount. The benefit amount per child cannot exceed $25,000.

Your cost will depend on the benefit amount and coverage option you select.

Monthly Cost of Insurance

You can buy coverage for yourself only or for yourself, your spouse and your children.

Costs are subject to change.

Example: Employee only coverage: if you elect coverage of $150,000, your cost for Accidental Death & Dismemberment would be

$150,000÷1,000 x $0.013 = $1.95 per month.

As you grow older, your benefits will be reduced according to the following schedule:

• At age 65 Benefits will be reduced to 65% of the benefit amount selected.
• At age 70 Benefits will be reduced to 45% of the benefit amount selected.
• At age 75 Benefits will be reduced to 30% of the benefit amount selected.
• At age 80 Benefits will be reduced to 20% of the benefit amount selected.

Accidental Death & Dismemberment benefits for your insured dependents will be based on your selected benefit amount. Benefits for your spouse will cease at age 70.

To help protect yourself and your family against losses due to accidents, Accidental Death & Dismemberment Insurance pays 100% of the benefit amount you select for accidental loss of life occurring within 365 days of a covered accident. A covered accident is a sudden unforeseeable event that results in injury or death and that occurs while coverage is in force. To help survivors of severe accidents adjust to new living circumstances, NYL GBS will pay benefits for dismemberment, loss of eyesight, speech and hearing, and paralysis.
 

If you suffer multiple injuries in one covered accident, you’ll receive only one amount—the largest amount to which you’re entitled.

If a dependent child dies within 90 days of a covered loss, we will pay only the loss of life benefit.

It’s not easy to predict how a serious accident will affect your family. In addition to the benefits previously outlined, Accidental Death & Dismemberment provides benefits to help meet special needs and respond to special circumstances as follows:
 

The Seat Belt and Supplemental Restraint Benefit

This benefit is payable if an insured person dies as a direct result of injuries sustained in a covered accident while driving or riding in an automobile, while wearing a properly fastened seat belt (or if the insured is a child, a child restraint as defined by law). That person’s death benefit will be increased by 10% but not more than $25,000. If the insured person was also positioned in a seat protected by a properly-functioning and properly deployed Supplemental Restraint System (Air bag), we will increase that person’s death benefit by an additional 5%.
 

Verification of the actual use of the seat belt and that the supplemental restraint system inflated properly on impact at the time of the accident, must be part of an official report of the accident, or be certified, in writing, by the investigating officer(s) and submitted with the claim.
 

If it is unclear whether the insured had been wearing a seat belt or that the person was positioned in a seat protected by a properly functioning and properly deployed air bag, the plan will pay a benefit of $1,000.
 

For Exposure and Disappearance

Benefits are payable if you suffer a covered loss due to unavoidable exposure to the elements as a result of a covered accident. If your body is not found within one year of the disappearance, forced landing, stranding, wrecking or sinking of the conveyance in which you were riding, on a trip otherwise covered, it will be presumed that you sustained loss of life as a result of a covered accident.
 

Coma Benefit

If you, your spouse, or your children have been in a coma for one full month as a result of a covered accident, we will pay a coma benefit, as shown in A Valuable Combination of Benefits. We will make 11 monthly payments, provided the person remains in a coma during this period. If the person recovers, the payments will stop.
 

If the insured person dies while the monthly coma benefit payments are being made, or if the insured person remains in a coma after the 11 monthly payments have been made, he or she will be entitled to a lump sum payment equal to the full benefit amount.
 

Coma means a profound state of unconsciousness which resulted directly and independently from all other causes from a covered accident, and from which the insured is not likely to be aroused through powerful stimulation. This condition must be diagnosed and treated regularly by a physician. Coma does not mean any state of unconsciousness intentionally induced during the course of treatment of a covered injury unless the state of unconsciousness results from the administration of anesthesia in preparation for surgical treatment of that covered accident.
 

The Benefit for Children Requiring Special Care

Accidental Death & Dismemberment helps parents with children who survive severe accidents. If an insured child suffers a covered accidental injury, we will double the benefit amount, up to $50,000. If your child subsequently dies within 90 days as a result of the accident, then we will pay only the death benefit payable under the plan.
 

This additional benefit can help parents cope with the ongoing financial obligations associated with caring for children who require continued medical attention, rehabilitation services and a specialized educational environment.
 

For Dual Accidents

If you have elected coverage for yourself, your spouse and your children and, as a result of the same accident or separate Covered Accidents that occur within the same 24-hour period, you and your spouse die within one year of the Covered Accident, we will increase your spouse’s benefit amount to 100% of yours. Both benefits combined cannot be more than $1,000,000.
 

For Victims of Crime

PAI pays an additional benefit for employees who are victims of crime. If you die as the result of a felonious assault, robbery, holdup or kidnapping during a holdup, while at work or while traveling on business, we will increase your benefit amount by 25% to a maximum of $50,000. We will not pay if you are assaulted by a fellow employee or household or family member.
 

The Education Benefit

If you are the primary source of income for your family, the loss of that income could be devastating to your family, especially if a college education for your children is one of your long-term goals. Accidental Death & Dismemberment provides benefits for training or education, as follows:

• For your children. If you or your insured spouse dies in a Covered Accident, we will pay an extra benefit for each insured child who is enrolled in college or is in the 12th grade and enrolls in college within one year of the accident. To help pay college expenses, we will increase your benefit amount by 5% or $5,000, whichever is less, for each qualifying child. This benefit is payable each year for four consecutive years as long as your child continues his/her college education.

If you don’t have a qualifying dependent child, we will pay an additional $1,000 to your beneficiary.

Child Care

If you have elected to cover your family members and you and your insured spouse dies as a result of a Covered Accident, Accidental Death & Dismemberment will pay an additional benefit to help pay for your children’s day-care expenses.
 

To receive the Child Care Benefit, you must have a surviving child under 13 who is enrolled in a licensed day-care center at the time of your death, or within one year afterward. The following conditions will apply:

• This benefit will be an annual sum for each covered child of up to 5% of your benefit amount, but not more than $5,000 a year for up to four years, or until the dependent child’s 13th birthday, whichever happens first.
• We will make the payment to the child’s surviving custodial parent or legal guardian. Each payment will be made to the end of a 12-month period in which there were documented child care center expenses.

Waiver of Premium

If you have elected coverage for yourself and your family members, and you lose your life in a covered accident, your insured family members will continue to be covered under the plan—without making premium payments—for 12 months. At that time, their coverage will end unless they convert to an individual policy.

Plan benefits are not payable if losses result directly or indirectly from or are caused by:

• Intentionally self-inflicted injuries or suicide while sane or insane;
• Commission or attempt to commit a felony or an assault;
• Any act of war, declared or undeclared;
• Any active participation in a riot or insurrection;
• Bungee jumping;
• Parachuting;
• Skydiving;
• Parasailing;
• Hang-gliding;
• Sickness, disease, physical or mental impairment, or surgical or medical treatment thereof, or bacterial or viral infection, regardless of how contracted. (This does not include bacterial infection that is the natural and foreseeable result of an accidental external cut or wound or accidental food poisoning.)

Benefits are also not payable if:

• The loss occurs while the covered person is voluntarily using any drug, narcotic, poison, gas or fumes except one prescribed by a licensed physician and taken as prescribed;
• While operating any type of vehicle while under the influence of alcohol (intoxicated is defined by the law of the state in which the covered accident occurred) or any drug, narcotic or other intoxicant including any prescribed drug for which the covered person has been provided a written warning against operating a vehicle while taking it;
• While the covered person is engaged in the activities of active duty service in the military, navy or air force of any country or international organization (this does not include Reserve or National Guard training, unless it extends beyond 31 days);
• Traveling in an aircraft that is owned, leased or controlled by the sponsoring organization or any of its subsidiaries or affiliates (an aircraft will be deemed to be ‘’controlled’’ by the sponsoring organization if the aircraft may be used as the sponsoring organization wishes for more than 10 straight days, or more than 15 days in any year);
• Flying in, boarding or alighting from an aircraft or any craft designed to fly above the earth’s surface, except as a passenger on a regularly scheduled commercial airline that is:
  • An ultra-light or glider, designed to be used in outerspace;
  • Being used by any military authority, except the Air Mobility Command or its foreign equivalent;
  • Being flown by the covered person or in which the covered person is a member of the crew;
  • Being used for parachuting, hang-gliding, crop dusting, spraying or seeding, giving and receiving flying instruction, fire fighting, sky writing, skydiving, pipeline or power line inspection, aerial photography or exploration, racing or endurance tests, stunts or acrobatic flying, or any operation that requires a special permit from the FAA, even if it is granted (this does not apply if the permit is required only because of the territory flown over or landed on).

The basic level, for which your employer pays, provides a monthly benefit up to 60% of your covered monthly earnings—to the program maximum of $10,000 per month.

An employee may enroll for Accidental Death & Dismemberment coverage at any time without providing proof of good health. Coverage becomes effective as of the date you become eligible. Provided the application has been received and the appropriate premium paid, dependent coverage will start when your coverage begins.
 

If you are not actively at work, the effective date of your insurance will be deferred until you are actively at work.
 

For insurance for your spouse and/or children to become effective, you must be actively at work and he/she must not be an inpatient in a hospital, or confined at home and under the care of a physician for sickness or injury, or receiving disability benefits, or unable to perform the normal daily activities of the person of the same age and sex. Your coverage will continue as long as Genesys and NYL GBS continue to offer the program under the group policy, you are an eligible employee, you do not serve more than 30 days of full-time active duty in any armed forces, and you pay the premium when due. Coverage for your spouse and dependent children ends when their premiums are not paid or when your dependents are no longer eligible, whichever occurs first.

You can designate your beneficiaries during the enrollment process and maintain your beneficiaries online once your coverage is issued by clicking on "My Account" at the top right corner of your screen.
 

If the listed beneficiary is a trustee or a trust, you will need to enter the trustee's name, the name of the trust and the date of the trust agreement. The trust document must be presented in order for the claim to be processed.