You are eligible to participate in the plan if you are an active employee, faculty or House Staff, regularly scheduled to work at least 20 hours per week. Coverage can t be continued at termination or retirement. An employee covered by a collective bargaining agreement isn t eligible for coverage for this plan, unless coverage was mutually agreed to in the bargaining agreement. Your benefit amount is reduced if you are over 69. Loss of a hand or foot means the complete severance through or above the wrist or ankle joint.
Loss of sight means the irrecoverable loss of vision.
Loss of speech, and hearing in both ears must be irrecoverable. Fingers must be completely severed through or above the third joints. Total disability is the inability to engage in any occupation or employment for which you are or become qualified by reason of education, training or experience. Total disability is considered permanent if, after 12 consecutive months of continuous disability, it is so certified by a competent medical authority. The disability benefit applies only to employees and only for accidents that occur before the employee s 70th birthday.