Amount of Coverage

The Business Travel Accident plan provides each faculty and staff member a minimum benefit of $50,000 or 10 times your annual salary, whichever is more, with a ceiling of $500,000.

"Salary" means the annual salary as defined by the Life Insurance plan (exclusive of bonuses, overtime earnings, and non-University earnings) that the staff member was receiving as of the date of the accident.

The total cost of all benefits paid for any one covered accident will not exceed $10 million. If this limit does not allow a full benefit payment to each insured staff member, each staff member's benefit will be prorated.

Who is Covered

All faculty and staff members, full- and part-time, permanent and temporary, are automatically covered as of date of employment. No applications are required. The plan covers individuals up to age 85.

Scope of Coverage

If injuries result in death or dismemberment within 365 days after the date of the accident, or you become permanently and totally disabled within 365 days after the accident, you may be entitled to a benefit. The benefit will vary according to the type of loss.

Coverage on the Premises of the University

Employees are covered while boarding or exiting from, or riding as a passenger in, a private passenger vehicle or automobile while on official University of Michigan business (excluding everyday travel to and from work).

Coverage off the Premises of the University

Employees are covered on a 24-hours-per-day basis while traveling (before and after) on official University of Michigan business (excluding everyday travel to or from work). Coverage includes accidents while traveling in an auto or riding on public transportation including buses, taxicabs, and trains, (“common carriers”), as well as covered accidental injuries sustained outside of vehicles, such as from falls or burning buildings.

You are provided coverage for up to 14 days of personal travel during an official University of Michigan business trip.

Not Covered

Business Travel Accident Insurance will not apply to:

  • Independent contractors or their employees.
  • Independent consultants.
  • Any person assigned to the University of Michigan who is paid by a non-University organization while here.
  • Employees while on vacation, except for up to 14 days personal travel while on an official University of Michigan business trip.
  • Employees while on leave of absence. (During a sabbatical leave, insurance will apply to travel for approved study and research.)
  • Employees who are expected to remain in a location to which they have traveled for more than 60 days.
  • Travel between the place or residence and normal place of business.
  • Staff members who have regular driving assignments as truck drivers, delivery persons, chauffeurs and other commercial drivers employed by the university.
  • Suicide or attempts while sane; self-destruction or attempts while insane.
  • Death or injury as a result of intoxication for alcohol or drugs; where an injured party commits or attempts to commit a felony; skydiving, or parachuting accident; accidental food poisoning.
  • Any war or act of war or terrorist act.
  • Service in any armed forces, except the United States National Guard.
  • Air travel as a pilot or crew member; travel in any aircraft owned, operated, or leased by or on behalf of the University of Michigan, unless there is prior written agreement.
  • Sickness or disease except pyogenic infections caused by an accidental wound or cut.
  • Bungee jumping, hang gliding, ballooning, drag racing, aerial hunting, aerial skiing, or the result of a nuclear reaction or release of nuclear energy. This includes radioactive, toxic, explosive, or other hazardous or contaminating properties of radioactive matter; or the emission, discharge, dispersal, release, or escape of any solid, liquid, or gaseous chemical or biological agent.

Termination of Insurance

Coverage terminates on the date that the employee ceases to be eligible or the master policy is terminated by the university.