You can change your coverage level during the annual enrollment period by submitting a new enrollment form to your Campus Benefits Representative. The plan offers full 24-hour protection against accidents anywhere in the world, on or off the job. This coverage is effective only while you are serving as a pilot or crew member of a certified airworthy civil aircraft. Pilot coverage is separate from the plan's basic coverage, and there is an additional premium charge. The loss must occur within one year after an accident to be eligible to receive these benefits.
Loss of sight means the total and permanent loss of sight.
A loss that may be corrected by surgery or lenses is not considered total and permanent. Loss of hearing means total and permanent loss in both ears. Loss of speech means total and permanent loss of speech. Loss of thumb and index finger of the same hand means complete and permanent severance through the joints joining the thumb and index finger to the hand. Total paralysis means an injury to the spinal cord.