Accidental Death & Dismemberment

Beginning July 1, 2011 through December 31, 2011, all LSU System benefits will have a six month Plan Year. Elections made in April 2011 will only be reflected during the six month Plan Year.

A second Annual Enrollment session will be held in October 2011 allowing you to make changes for the January 1, 2012 Plan Year.

Effective January 1, 2012, all LSU System benefits will be moving to a Calendar Year (January 1 – December 31).

An accident that ends in death or disabling Injury has a devastating effect on the lives of your loved ones. The loss of a family wage earner puts strain in a family and raises concerns as to how they will manage financially. Even if you are unmarried, remaining family members could be left with fulfilling your financial responsibilities or taking care of you.

Family members may be insured for a portion of your principal sum:

• Spouse = 50% of your principal sum, or 40% if you have eligible children
• Eligible children = 15% of your principal sum or 10% if your spouse is eligible for coverage

Reduction In Benefits: your principal sum will reduce to the percentage shown below:

• At age 70, the benefit reduces to 82.5%
• At age 75, the benefit reduces to 57.5%
• At age 80, the benefit reduces to 37.5%
• At age 85 and older, the benefit reduces to 20%

If you elected Family coverage, your spouse and children’s benefit will reduce from the principal sum amount of the insured employee. When does coverage end? As long as the plan is in force, you are an eligible employee, and you pay your premium, your coverage remains in effect. Your family members will remain insured as long as they are eligible, you are covered and their premium is paid. Handicapped children shall remain insured, regardless of age, as long as they continue to be handicapped and your coverage remains in force. How Are Benefits Paid?

Benefits will be paid for any of the losses that occur as a result of an injury listed:
Loss of:	% of Principal Sum Payable*:
Life	100%
Both hands or feet	100%
Entire sight of both eyes	100%
One hand or one foot	50%
Entire sight of one eye	50%
*Loss must occur within 365 days of the accident. If more than one loss results for any one accident, we will pay only the one largest applicable benefit amount.

Air Travel Coverage: Full coverage is provided for air travel as a passenger (but not as a pilot or crew member) while riding in any aircraft used for the transportation of passengers, except an aircraft owned, operated or leased by or on behalf of the LSU System. Waiver of Premium: If due to injury or illness you are unable to perform each of the material duties of any occupation for 12 consecutive months, we will continue coverage without premium charge for you and your insured family members as long as you remain totally disabled. This additional benefit is not applicable once you retire. Additional Benefits:

• Daycare Benefit
• Conversion Privilege
• HIV Benefit
• World Wide Travel Assistance Benefit
• Permanent Total Disability
• Seatbelt and Airbag Benefit
• Tuition Benefit