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Business Travel Accident Insurance FAQs
- Am I covered if I attend a professional meeting at my expense?
- Yes, it is not necessary that the University of Michigan reimburse you for the business travel expense to be covered under the insurance.
- The federal government (or a professional association) reimburses me for travel expenses when I render a service. Am I covered?
- Yes, even if you collect a fee; however, the work must be directly related to your primary employment at the University of Michigan, and the honorarium must be for travel, not a consultant's fee.
- I am on leave of absence from the University to conduct research and I receive a salary from a source other than the U-M. Am I covered while traveling to gather information for my research?
- No.
- I am on sabbatical leave; am I covered?
- Yes, you are covered when traveling for approved study and research for which the sabbatical leave was granted.
- Am I covered (before and after) while I am traveling on a combination business and vacation trip with my family?
- Yes, coverage is applicable during the actual business travel time and for up to 14 days personal travel when 100 or more miles away from the permanent residence.
- I realize a staff member is not normally covered while traveling to and from work on campus, but wouldn't I be covered if I worked off campus, perhaps in a nearby city?
- No. Travel between the place of residence and normal place of business is not covered.
- Is it necessary to notify the Benefits Office prior to each business trip?
- No, however a good procedure would be to notify your supervisor and provide a written itinerary prior to a trip so that if a claim should arise, a written statement can be obtained from your department. For international travel, you must register your trip with the university before you leave.
- Am I covered while doing private consulting or while engaged in private medical or dental practice?
- No.
- Am I covered while flying a private plane on a university business trip?
- No. Pilots and crew members are not covered. Passengers on university business are covered.
- I must use a chartered plane or helicopter to travel to a remote location. Am I covered?
- Yes.
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