Attachment_6__Technical_Attachment_6 _24-Hour_Personal_Accident_Insurance_Policy.pdf

Voluntary Accident

INSURANCE PROGRAM

Issued by

FEDERAL INSURANCE COMPANY

FOR

THE OFFICE OF THE COMPTROLLER OF THE

CURRENCY

Chubb Underwriting Office: FEDERAL INSURANCE COMPANY 202 Hall's Mill Road P.O. Box 1600 Whitehouse Station, New Jersey 08889-1600

Words and phrases that appear in bold print have special meaning and are defined in the Definitions section(s) of this policy. Defined terms include the plural.

Throughout this policy the words "We", "Us" and "Our" refer to the Company providing this insurance.

Please Read This Policy Carefully

GCA5000

Table of Contents Insuring Agreement

Premium Summary

Schedule Of Benefits

Hazards

Contract

Section I - Insurance

Section II - Eligibility, Effective Date, and Termination

Section III - Extensions of Insurance

Section IV - Maximum Payment for Multiple Losses and Multiple Benefits

Section V - Territory

Section VI - General Exclusions

Section VII - Definitions

Section VIII - General Provisions

Applications

GCA5001

Insuring Agreement

Section I

Chubb Group of Insurance Companies 15 Mountain View Road, P.O. Box 1615 Warren, New Jersey 07061-1615

Policyholder's Name and Address:

THE OFFICE OF THE COMPTROLLER OF THE

CURRENCY

250 E STREET, SW

WASHINGTON, DC 20219

Issued by the stock insurance companyPolicy Number: 9906-76-93 indicated below:Effective Date: 1/1/2010 FEDERAL INSURANCE COMPANYAnniversary Date: January 1 Incorporated under the laws of

INDIANA

GCA5002

Section II-Policy Period and Company

Policy Period

To: 1/1/2011From: 1/1/2010 12:01 A.M. standard time at the Policyholder's address shown in Section I of the Insuring Agreement.

This insurance is provided by the Company in consideration of payment of the required premium.

The insurance under this policy begins on the Effective Date shown in Section I of the Insuring Agreement.

The insurance under this policy ends on the last day of the Policy Period shown in Section II of the Insuring Agreement.

The Policyholder's acceptance of this policy terminates any prior policy of the same policy number issued to the Policyholder by the Company, effective with the inception of this policy.

Company

The Company issuing this policy has caused this policy to be signed by its authorized officers, but this policy shall not be valid unless also signed by a duly authorized representative of the Company.

FEDERAL INSURANCE COMPANY (Incorporated under the laws of INDIANA)

SecretaryPresident

Authorized Representative

GCA5004

Premium Summary

Section I - Premium Due Date

01/01/2010 and the first of each month thereafter.

Section II - Premium Payment

The Policyholder shown in Section I of the Insuring Agreement is responsible for the collection and remittance of all required premiums. Premiums are calculated and payable as follows:

Monthly Rates perPlan OptionClass $1,000 of Insurance 0.012Employee1 0.021Employee & Family2

The above rates correspond to the following biweekly rates per $1,000 of insurance: Employee Only: $0.0054 and Employee and Family: $0.0095

REPORTING:

Premium PaymentReporting Period Thirty one (31) days after the Premium Due Date shown in Section I above.

Monthly

The Monthly rate is applied to the total amount of insurance for each Class.

GCA5006

Schedule of Benefits

Chubb Group of Insurance Companies 15 Mountain View Road, P.O. Box 1615 Warren, New Jersey 07061-1615

Policyholder's Name:

THE OFFICE OF THE COMPTROLLER OF THE

CURRENCY

Issued by the stock insurance company indicated below:

FEDERAL INSURANCE COMPANY

Incorporated under the laws of

INDIANA

GCA6000

Section I - Insured Persons

The following are the Insured Persons under this policy:

DescriptionClass All Permanent Employees and Full-Time Temporary Employees, whose appointments are for greater than one year and consist of a pre-arranged reularly scheduled tour of duty who have elected Employee Only Coverage and pay the required premium

All Permanent Employees and Full-Time Temporary Employees, whose appointments are greater than one year and consist of a pre-arrange regularyly scheduled tour of duty and their Spouse or Domestic Partner and Eligible Dependent Children for whom the Employee has elected Family coverage and pays the required premium.

1) no person insured as a Primary Insured Person can be insured as a Dependent; and

2) no person shall be insured as a Dependent of more than one Primary Insured Person.

GCA6002

If, subject to all the terms and conditions of this policy a person is eligible for insurance under multiple Classes of Insured Persons described above, then such person will only be insured under the Class which provides the Insured Person the largest Benefit Amount for the loss that has occurred.

If the same benefits apply under multiple Classes for which an Insured Person has Contributory Insurance under this policy, then only the largest Benefit Amount for each benefit applicable under all such Classes will be paid.

If the same benefits apply under multiple Classes for which an Insured Person has Non-Contributory Insurance under this policy, then only the largest Benefit Amount for each benefit applicable under all such Classes will be paid.

GCA6004

Section II - Qualification Period

Contributory Insurance For Insured Persons in an eligible Class on the Effective Date: none For Insured Persons entering an eligible Class after the Effective Date: none

GCA6008

Section III - Hazards

The following are the Hazards for which insurance applies:

Hazard(s)Class 24 Hour Business and Pleasure1 24 Hour Business and Pleasure2

If, subject to all the terms and conditions of this policy an Insured Person has insurance for covered loss on the date of an Accident, covered under multiple Hazards described above, then only one Benefit Amount will be paid. This Benefit Amount shall be the largest Benefit Amount applicable under all such Hazards.

GCA6010

Section IV - Benefits

A) Principal Sum

The following are Principal Sums for each Class:

Principal SumHazardClass The benefit amount selected by the employee in multiples of $25,000, subject to a minimum of $50,000 and a maximum of $500,000.

24 Hour Business and Pleasure1

The benefit amount selected by the employee in multiples of $25,000, subject to a minimum of $50,000 and a maximum of $500,000. The spouse's benefit amount is equal to 40% of the employee's benefit amount and each dependent child's benefit amount is equal to 10% of the employee's benefit amount. If there are no dependent children, the spouse's benefit amount is equal to 50% of the employee's benefit amount. If there is no spouse, the dependent child's benefit amount is equal to 15% of the employee's benefit amount.

24 Hour Business and Pleasure2

GCA6012

B) Accidental Death and Dismemberment Benefits:

This benefit applies to all Classes of Insured Persons. The following are Losses insured and the corresponding Benefit Amount expressed as a percentage of the Principal Sum:

Class(es) All

Benefit Amounts (Percentage of Principal Sum)

Accidental:

100%Loss of Life 100%Loss of Speech and Loss of Hearing

100% Loss of Speech and one of Loss of Hand, Loss of Foot or Loss of Sight of One Eye

100% Loss of Hearing and one of Loss of Hand, Loss of Foot or Loss of Sight of One Eye

100% Loss of Hands (Both), Loss of Feet (Both), Loss of Sight or a combination of any two of Loss of Hand, Loss of Foot or Loss of Sight of One Eye

100%Quadriplegia 75%Paraplegia 50%Hemiplegia

50% Loss of Hand, Loss of Foot or Loss of Sight of One Eye (Any one of each)

50%Loss of Speech or Loss of Hearing 25%Uniplegia 25%Loss of Thumb and Index Finger of the same hand

This Benefit Amount is subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6016

If an Insured Person has multiple Losses as the result of one Accident, then We will pay only the single largest Benefit Amount applicable to the Losses suffered, as described in Section IV - Maximum Payment for Multiple Losses and Multiple Benefits of the Contract.

GCA6018

C) Additional Benefits

The following are Benefit Amounts for all other benefits provided under this policy:

Carjacking Class 1

Benefit Amount 10% of the Principal Sum up to a maximum of $25,000 Class 2

Benefit Amount 10% of the Principal Sum up to a maximum of $25,000 This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6024

Child Care Expense Class 2

Benefit Amount 10% of the Principal Sum to a maximum of $10,000 annually for each Dependent Child

Alternate Benefit Amount $2,000 Maximum Benefit Amount $50,000

This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6028

Coma Class 1

Benefit Amount 1% per month of the Principal Sum Maximum Benefit Amount 100% of the Principal Sum

Class 2 Benefit Amount 1% per month of the Principal Sum Maximum Benefit Amount 100% of the Principal Sum

This Benefit Amount is subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6032

Education Expense Class 2

Benefit Amount 5% of the Principal Sum to a maximum of $25,000 annually for each eligible Dependent Child

Alternate Benefit Amount $2,000 Maximum Benefit Amount $100,000

This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6036

Home Alteration or Vehicle Modification Class 1

Benefit Amount for Home Alteration 10% of the Principal Sum Benefit Amount for Vehicle Modification 10% of the Principal Sum Maximum Benefit Amount 20% of the Principal Sum to a maximum of $50,000

Class 2 Benefit Amount for Home Alteration 10% of the Principal Sum Benefit Amount for Vehicle Modification 10% of the Principal Sum Maximum Benefit Amount 20% of the Principal Sum to a maximum of $50,000

This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6050

Home Health Care Class 1

Maximum Benefit Amount $5,000 Class 2

Maximum Benefit Amount $5,000 This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6052

Medical Evacuation and Repatriation Class 1

Maximum Benefit Amount $250,000 Benefit Amount(Hospital Admission Guaranty) $5,000 Family Travel Expense Benefit Amount

(Maximum Per Day) $100 (Maximum Number of Days) 5

Class 2 Maximum Benefit Amount $250,000 Benefit Amount(Hospital Admission Guaranty) $5,000 Family Travel Expense Benefit Amount

(Maximum Per Day) $100 (Maximum Number of Days) 5

This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6056

Psychological Therapy Expense Class 1

Benefit Amount 5% of the Principal Sum up to a maximum of $25,000 Class 2

Benefit Amount 5% of the Principal Sum up to a maximum of $25,000 This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6072

Rehabilitation Expense Class 1

Benefit Amount 5% of the Principal Sum up to a maximum of $25,000 Class 2

Benefit Amount 5% of the Principal Sum up to a maximum of $25,000 This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6074

Seat Belt and Occupant Protection Device Class 1

Benefit Amount for Seat Belt 10% of the Principal Sum Alternate Benefit Amount $2,000 Benefit Amount for Occupant Protection Device 10% of the Principal Sum Maximum Benefit Amount for Seat Belt and Occupant Protection Device 20% of the Principal Sum to a maximum of $50,000 Class 2

Benefit Amount for Seat Belt 10% of the Principal Sum Alternate Benefit Amount $2,000 Benefit Amount for Occupant Protection Device 10% of the Principal Sum Maximum Benefit Amount for SeatBelt and Occupant Protection Device 20% of the Principal Sum to a maximum of $50,000 This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6080

Spouse or Domestic Partner Employment Training Expense Class 2

Benefit Amount 10% of the Primary Insured Person's Principal Sum to a maximum of $50,000 This Benefit Amount is not subject to Section IV - Maximum Payment for Multiple Losses and Multiple Benefits, of the Contract.

GCA6082

Insurance only applies for the Classes, Hazards, Benefits and Losses that are specifically indicated as insured.

GCA6090

Hazards

24 Hour Business and Pleasure Hazard

24 Hour Business and Pleasure Hazard means all circumstances, subject to the terms and conditions of the policy, to which an Insured Person may be exposed.

GCA5513

Contract

Section I - Insurance

Subject to all the terms and conditions of this policy and the payment of premium, We will provide the following insurance:

Accidental Death and Dismemberment

We will pay the applicable Benefit Amount, shown in Section IV-B of the Schedule of Benefits, if an Accident results in a covered Loss not otherwise excluded. The Accident must result from an insured Hazard and occur while an Insured Person is insured under this policy, while it is in force. The covered Loss must occur within one (1) year after the Accident.

GCA5010

Carjacking

We will pay the Benefit Amount for Carjacking, shown in Section IV-C of the Schedule of Benefits, if an Insured Person suffers a covered Loss resulting from Accidental Bodily Injury due to Carjacking.

The Benefit Amount for Carjacking is payable in addition to any other applicable Benefit Amounts under this policy.

GCA5016

Child Care Expense

We will reimburse Child Care Expenses up to the Benefit Amount for Child Care Expense, shown in Section IV-C of the Schedule of Benefits, if Accidental Bodily Injury causes an Insured Person's covered Loss of Life. The Benefit Amount for Child Care Expense is payable in addition to any other applicable Benefit Amounts payable under this policy.

This insurance applies only if:

1) the Insured Person has a Dependent Child under the age of thirteen (13) years for whom Child

Care Expenses are incurred within 365 days of an Insured Person's covered Loss of Life.

2) the Insured Person has elected insurance under this policy for such Dependent Child, and the insurance is in effect on the date of the Accident.

We will reimburse Child Care Expenses for each eligible Dependent Child. However, Our total payment for each Dependent Child and all Dependent Children will not exceed the Maximum Benefit Amount for Child Care Expense shown in Section IV-C of the Schedule of Benefits, regardless of the number of Dependent Children for whom payment is made.

If, on the date of an Insured Person's covered Loss of Life, an Insured Person has insurance under this policy for a Dependent Child, but does not have any Dependent Child eligible for Child Care Expense payments, then We will pay the Alternate Benefit Amount, shown in Section IV-C of the Schedule of Benefits. If We pay this Alternate Benefit Amount, then We will not make any further payments for Child Care Expense.

Child Care Expenses shall be paid to the natural person who incurs such expenses for the Dependent Child. The Alternate Benefit Amount in lieu of Child Care Expense reimbursement shall be paid as stated in the Beneficiary provision of Section VIII-General Provisions of the Contract.

Limitation on Child Care Expense Benefit

The following limitations apply with respect to Child Care Expense:

1) an Insured Person does not include a Dependent Child;

2) in the event of a Common Accident only one Benefit Amount for Child Care Expense shall be paid. This Benefit Amount will be determined using the Primary Insured Person's Principal Sum.

GCA5020

Coma

We will pay the Benefit Amount for Coma, shown in Section IV-C of the Schedule of Benefits, if Accidental Bodily Injury causes an Insured Person to:

1) lapse into a Coma within thirty (30) days after the Accident;

2) remain in a Coma for thirty (30) consecutive days; and

3) be confined to a Hospital or other licensed facility to receive Medically Necessary treatment for Coma, prescribed and supervised by a Physician, within the first thirty (30) days following the Accident.

The Benefit Amount for Coma will be the percentage of the Insured Person's Principal Sum, shown in Section IV - C of the Schedule of Benefits. The Benefit Amount for Coma is payable monthly subject to the Maximum Benefit Amount for Coma shown in Section IV-C of the Schedule of Benefits.

Brief lapses from Coma will not be considered an interruption of the consecutive thirty (30) day period, or cause a discontinuance in Our payment, if the lapses and subsequent Coma recurrences are due to the same Accident.

The Coma monthly payment will be made until the earliest of the date:

1) the Insured Person dies;

2) the Insured Person is no longer in a Coma; or

3) total payments equal the Maximum Benefit Amount for Coma, shown in Section IV-C of the Schedule of Benefits.

If an Insured Person dies within 365 days after the Accident, then We will pay a lump sum equal to the Insured Person's Principal Sum, less any Benefit Amount for Coma already paid.

GCA5024

Education Expense

We will reimburse Education Expense up to the Benefit Amount for Education Expense, shown in Section IV-C of the Schedule of Benefits, if Accidental Bodily Injury causes an Insured Person's covered Loss of Life. The Benefit Amount for Education Expense is payable in addition to any other applicable Benefit Amounts under this policy.

This insurance applies only if:

1) the Insured Person has elected insurance under this policy for a Dependent Child;

2) such insurance is in effect on the date of the Accident; and

3) the Insured Person has a Dependent Child at the time of a covered Loss who:

a) is enrolled as a full-time student at an Institution of Higher Learning on the date of the Insured Person's covered Loss of Life; or

b) subsequently enrolls as a full-time student at an Institution of Higher Learning within three hundred sixty five (365) days following the date of the Insured Person's covered Loss of Life; and

c) incurs Education Expense.

We will make Education Expense payments for each eligible Dependent Child. However, Our total annual payment for each Dependent Child will not exceed the annual Benefit Amount for Education Expense, shown in Section IV-C of the Schedule of Benefits. Our Education Expense payment is limited to four (4) consecutive years for each Dependent Child. In no event will Our total payment exceed the Maximum Benefit Amount shown in Section IV - C of the Schedule of Benefits.

If, on the date of an Insured Person's covered Loss of Life, an Insured Person has insurance under this policy for a Dependent Child, but does not have any Dependent Child eligible for Education Expense payments, then We will pay the Alternate Benefit Amount shown in Section IV-C of the Schedule of Benefits. If We pay this Alternate Benefit Amount, then We will not make any further payments for Education Expense.

The Benefit Amount for Education Expense shall be paid to the natural person who incurs the expense.

The Alternate Benefit Amount in lieu of Education Expense reimbursement shall be paid as stated in the Beneficiary provision under Section VIII-General Provisions of the Contract.

Limitation on Education Expense

The following limitations apply with respect to Education Expense:

1) an Insured Person does not include a Dependent Child;

2) in the event of a Common Accident only one Benefit Amount for Education Expense shall be paid. This Benefit Amount will be determined using the Primary Insured Person's Principal Sum.

GCA5028

Home Alteration or Vehicle Modification

We will reimburse charges up to the Benefit Amount for Home Alteration or the Benefit Amount for Vehicle Modification, up to the maximum shown in Section IV-C of the Schedule of Benefits, if a covered Loss due to an Accidental Bodily Injury requires an Insured Person to incur expenses for Home Alteration or Vehicle Modification. The expenses for Home Alteration or Vehicle Modification must be incurred within eighteen (18) months after the Accidental Bodily Injury. The Benefit Amount for Home Alteration or Vehicle Modification is payable if:

1) a Physician certifies that the Home Alteration or Vehicle Modification is needed to accommodate a physical disability of an Insured Person;

2) the Home Alteration or Vehicle Modification is made by people experienced in such Home Alteration or Vehicle Modification;

3) the Home Alteration or Vehicle Modification is in compliance with any applicable laws or requirements for approval by the appropriate government authority in the jurisdiction where the services are rendered; and

4) the Home Alteration or Vehicle Modification expenses do not exceed the usual level of charges for similar alterations and modifications in the jurisdiction where the expense is incurred.

The Benefit Amount for Home Alteration and Vehicle Modification is payable to the natural person who incurs the expense. The Benefit Amount for Home Alteration and Vehicle Modification is payable in addition to any other applicable Benefit Amounts under this policy. In no event will Our total payments for Home Alteration and Vehicle Modification exceed the Maximum Benefit Amount for Home Alteration and Vehicle Modification shown in Section IV-C of the Schedule of Benefits.

GCA5040

Home Health Care

We will reimburse charges up to the Maximum Benefit Amount for Home Health Care shown in Section IV-C of the Schedule of Benefits, if a covered Loss due to an Accidental Bodily Injury causes an Insured Person's confinement to home after a Hospital stay of at least five (5) days. The expenses that are the subject of the Benefit Amount for Home Health Care must be incurred within eighteen (18) months after the Accidental Bodily Injury. The Benefit Amount for Home Health Care is payable on an excess basis.

We will determine the charges for Home Health Care. We will then reduce that amount by amounts already paid or payable by any Other Plan. We will pay the resulting Benefit Amount, but in no event will We pay more than the Benefit Amount for Home Health Care shown in Section IV-C of the Schedule of Benefits.

No Benefit Amount for Home Health Care shall be paid if:

1) treatment is educational, experimental or investigational or does not constitute accepted medical practice; or

2) services are provided by a person who is an Immediate Family Member.

The Benefit Amount for Home Health Care is payable in addition to any other applicable Benefit Amounts under this policy.

GCA5042

Medical Evacuation and Repatriation

If an Insured Person's Accidental Bodily Injury, disease or illness occurs while insured under a Hazard and requires the Medical Evacuation or Repatriation of the Insured Person while the Insured Person is on a covered trip, then We will pay the Covered Expenses for such Medical Evacuation or Repatriation up to the Benefit Amount for Medical Evacuation and Repatriation, shown in Section IV-C of the Schedule of Benefits. The Benefit Amount for Medical Evacuation and Repatriation is payable in addition to any other applicable Benefit Amount under this policy.

This insurance applies only if the covered trip:

1) is more than 100 from the Insured Person's primary residence; and

2) lasts no more than 180 consecutive days.

The Medical Evacuation or Repatriation must be ordered by a Physician, who certifies that the Medical Evacuation or Repatriation is necessary to prevent death or serious deterioration of the Insured Person's medical condition. The Medical Evacuation or Repatriation must be approved and arranged by Our Assistance Services Administrator.

If an Insured Person's Accidental Bodily Injury, disease or illness occurs during an insured Hazard and requires Emergency Medical Treatment while the Insured Person is on a covered trip, then We will guarantee payment of the Hospital Admission Guaranty incurred for such Emergency Medical Treatment up to the Benefit Amount for Hospital Admission Guaranty, shown in Section IV-C of the Schedule of Benefits. The Assistance Services Administrator must approve the Hospital Admission Guaranty.

If an Insured Person's Accidental Bodily Injury, disease or illness occurs during an insured Hazard and requires a Hospital stay for more than five (5) day(s) while the Insured Person is on a covered trip, then We will pay the Benefit Amount for Family Travel Expense, if all the following conditions are met:

1) the Insured Person is confined to a Hospital; and

2) the Hospital is at least seventy five (75) from the Insured Person's permanent residence; and

3) all transportation arrangements for an Immediate Family Member are made by Our Assistance Services Administrator and are by the most direct and economical route.

If an Insured Person's Accidental Bodily Injury, disease or illness occurs during an insured Hazard and requires a Hospital stay for more than five (5) day(s) while the Insured Person is on a covered trip, then We will pay for an accompanying Dependent Child to return to his or her primary residence. All transportation arrangements must be made by Our Assistance Services Administrator and shall be by the most direct and economical route.

The Benefit Amount for Medical Evacuation and Repatriation is payable on an excess basis. We will determine the charges for Medical Evacuation or Repatriation. We will then reduce that amount by amounts already paid or payable by any Other Plan. We will pay the resulting Benefit Amount, but in no event will We pay more than the Benefit Amount for Medical Evacuation and Repatriation shown in Section IV-C of the Schedule of Benefits.

Limitation on Medical Evacuation and Repatriation

With respect to Medical Evacuation and Repatriation only, the Disease or Illness Exclusion in Section VI - General Exclusions of the Contract does not apply.

GCA5046

Psychological Therapy Expense

We will reimburse Psychological Therapy Expense up to the Benefit Amount for Psychological Therapy Expense, shown in Section IV-C of the Schedule of Benefits, if an Accidental Bodily Injury causes an Insured Person to suffer a covered Loss resulting in a Physician's determination that Psychological Therapy is required for:

1) such Insured Person; or

2) an insured Dependent.

The Benefit Amount for Psychological Therapy Expense is payable on an excess basis. We will determine the charge for the Psychological Therapy Expense. We will then reduce that amount by amounts already paid or payable by any Other Plan. We will pay the resulting Benefit Amount, but in no event will We pay more than the Benefit Amount for Psychological Therapy Expense shown in Section IV-C of the Schedule of Benefits.

The Benefit Amount for Psychological Therapy Expense will be paid:

1) to the natural person who incurs the expense; and

2) in addition to any other applicable Benefit Amounts under this policy.

The Benefit Amount for Psychological Therapy Expense will be paid until the earlier of the date on which:

1) the total Benefit Amount for Psychological Therapy Expense, shown in Section IV-C of the

Schedule of Benefits, has been paid; or

2) two (2) years have elapsed from the date of a covered Loss.

GCA5062

Rehabilitation Expense

We will reimburse Rehabilitation Expense up to the Benefit Amount for Rehabilitation Expense, shown in Section IV-C of the Schedule of Benefits, if Accidental Bodily Injury causes an Insured Person to suffer a covered Loss which:

1) prevents an Insured Person from performing all the duties of such Insured Person's regular occupation; and

2) requires such Insured Person to obtain Rehabilitation, as determined by a Physician approved by Us.

The Benefit Amount for Rehabilitation Expense is payable on an excess basis. We will determine the charge for the Rehabilitation Expense. We will then reduce that amount by amounts already paid or payable by any Other Plan. We will pay the resulting Benefit Amount, but in no event will We pay more than the Benefit Amount for Rehabilitation Expense shown in Section IV-C of the Schedule of Benefits.

The Benefit Amount for Rehabilitation Expense is payable in addition to any other applicable Benefit Amounts under this policy. We will pay the Benefit Amount for Rehabilitation Expense to the natural person who incurs the expense.

We will pay the Benefit Amount for Rehabilitation Expense until the earlier of the date on which:

1) the total Rehabilitation Expense Benefit Amount, shown in Section IV-C of the Schedule of

Benefits, has been paid; or

2) two (2) years have elapsed from the date of the Accidental Bodily Injury.

GCA5066

Seat Belt and Occupant Protection Device

We will pay the Benefit Amount for Seat Belt shown in Section IV-C of the Schedule of Benefits if an Insured Person suffers an Accidental Bodily Injury resulting in a covered Loss of Life while such Insured Person is operating or riding in a Private Passenger Automobile, and using a Seat Belt.

The Seat Belt must have been properly secured, and used in accordance with the recommendations of its manufacturer. If it cannot be determined whether an Insured Person was using a Seat Belt, then the alternate Benefit Amount for Seat Belt, shown in Section IV-C of the Schedule of Benefits will be paid.

We will also pay the Benefit Amount for an Occupant Protection Device, shown in Section IV-C of the Schedule of Benefits, if an Insured Person suffers an Accidental Bodily Injury as set forth above and such Insured Person is positioned in a seat protected by a properly deployed Occupant Protection Device.

The Benefit Amount for an Occupant Protection Device will only be paid if We pay a Benefit Amount for Seat Belt other than an alternate Benefit Amount.

Verification of the actual use of the Seat Belt and proper operation of the Occupant Protection Device at the time of an Accident must be part of an official report of such Accident or be certified, in writing, by an investigating police officer.

In no event will a Benefit Amount for Seat Belt be paid if an Insured Person is operating or riding as a passenger in any vehicle used for a race or contest of any type.

The Benefit Amount for Seat Belt and Benefit Amount for Occupant Protection Device are payable in addition to any other applicable Benefit Amounts under this policy.

In no event will our total payments of a Benefit Amount for Seat Belt and a Benefit Amount for Occupant Protection Device exceed the Maximum Benefit Amount, shown in Section IV - C of the Schedule of Benefits.

GCA5070

Spouse or Domestic Partner Employment Training Expense

We will reimburse Spouse or Domestic Partner Employment Training Expense up to the Benefit Amount for Spouse or Domestic Partner Employment Training Expense, shown in Section IV-C of the Schedule of Benefits, if Accidental Bodily Injury causes a Primary Insured Person's covered Loss of Life. The Benefit Amount for Spouse or Domestic Partner Employment Training Expense is payable in addition to any other applicable Benefit Amounts under this policy. We will pay the Benefit Amount for Spouse or Domestic Partner Employment Training Expense to the natural person who incurs the expense.

This insurance applies only if:

1) the surviving Spouse or Domestic Partner incurs Employment Training Expense within two

(2) years following the date of the Primary Insured Person's covered Loss of Life; and

2) the Primary Insured Person has elected insurance under the policy for Spouse or Domestic Partner and such insurance is in effect on the date of the Accident.

In no event will Our total payment exceed the Benefit Amount for Spouse or Domestic Partner Employment Training Expense, shown in Section IV-C of the Schedule of Benefits.

GCA5072

Section II - Eligibility, Effective Date and Termination

Eligibility

A person becomes insured under this policy if:

1) such person is a member of an eligible Class of Insured Persons as shown in Section I of the

Schedule of Benefits;

2) such person has elected insurance under this policy or for whom insurance is elected;

3) such person has completed any required Qualification Period as shown in Section II of the Schedule of Benefits; and

4) the required premium for such person has been paid.

GCA5081

Effective Date of Insurance for an Insured Person

Insurance for an Insured Person becomes effective on the latest of:

1) the effective date of this policy;

2) the date on which such person first meets the eligibility criteria as a member of an eligible Class of Insured Persons; or

3) the beginning of the period for which required premium is paid for such Insured Person.

If an employee of a Policyholder, who would otherwise qualify as a Primary Insured Person, is not Actively At Work on the date insurance would otherwise be effective, then such insurance will not be effective until the date such person returns to Active Work. Insurance for a Dependent will also be delayed until such employee returns to Active Work. If a Dependent is in a Hospital on the date the insurance would otherwise be effective, then the effective date will be delayed until the Dependent is released from the Hospital.

GCA5082

Termination of Insurance for an Insured Person

Insurance for an Insured Person automatically terminates on the earliest of:

1) the date this policy ends;

2) the expiration of the period for which required premium has been paid for such Insured Person;

3) the date on which a person no longer meets the eligibility criteria as an Insured Person.

Upon termination, insurance for an Insured Person may continue, subject to the Policyholder's employment policy, as follows:

1) if a Primary Insured Person is on temporary lay-off, then insurance may continue for the full period of such lay-off but not for more than 30 days after the date on which such lay-off begins;

2) if a Primary Insured Person is on a leave of absence, then the insurance may continue for the full period of the leave of absence but not for more than 90 days after the date on which such leave begins;

3) if a Primary Insured Person is absent from work due to an authorized family or medical leave, then insurance may continue for the full period of the leave but not for more than 180 days after the date on which such leave begins unless a longer period is agreed to by the Company and the Policyholder.

Continuation of insurance is subject to the payment of premium. Continuation of a Dependent's insurance is subject to continuation of a Primary Insured Person's insurance.

GCA5084

Section III - Extensions Of Insurance

Extensions of Insurance are subject to the provisions of Section I-Insurance of the policy, and all other policy terms and conditions.

Disappearance

If an Insured Person has not been found within one (1) year of the disappearance, stranding, sinking, or wrecking of any Conveyance in which an Insured Person was an occupant at the time of the Accident, then it will be assumed, subject to all other terms and conditions of this policy, that an Insured Person has suffered Loss of Life insured under this policy.

GCA5088

Exposure

If an Accident resulting from an insured Hazard causes an Insured Person to be unavoidably exposed to the elements and as a result of such exposure an Insured Person has a Loss, then such Loss will be insured under this policy.

GCA5090

Section IV - Maximum Payment for Multiple Losses and Multiple Benefits

For any Benefit Amount identified as subject to this provision in the Schedule of Benefits, payment of such Benefit Amount will reduce the Principal Sum. If, subject to all the terms and conditions of this policy, an Insured Person is entitled to receive payment of multiple Benefit Amounts as the result of one (1) Accident, then the maximum We will pay for all benefits shall not exceed the Principal Sum.

For any Benefit Amount identified as not subject to this provision in the Schedule of Benefits, payment of such Benefit Amount will be in addition to any Principal Sum payable under this policy.

If, subject to all the terms and conditions of this policy, an Insured Person suffers multiple covered Losses as the result of one (1) Accident, then We will only pay the single largest Benefit Amount applicable to all such covered Losses.

For the purposes of this provision the definition of Loss includes Coma.

GCA5092

Section V - Territory

This insurance applies worldwide.

GCA5094

Section VI - General Exclusions

The following exclusions apply to all benefits or Hazards under this policy. Additional exclusions, limitations or conditions may also apply to specific benefits or Hazards. Please read this entire policy carefully.

Owned Aircraft, Leased Aircraft, or Operated Aircraft

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, an Insured Person being in, entering, or exiting any aircraft:

1) owned, leased or operated by the Policyholder or on the Policyholder's behalf; or

2) operated by an employee of the Policyholder on the Policyholder's behalf.

GCA5095

Aircraft Pilot or Crew

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, an Insured Person riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member.

This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life-threatening emergency.

GCA5098

Disease or Illness

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, an Insured Person's emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof.

This exclusion does not apply to an Insured Person's bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.

GCA5102

Incarceration

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly any occurrence while an Insured Person is incarcerated after conviction.

GCA5106

Service in the Armed Forces

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, an Insured Person participating in military action while in active military service with the armed forces of any country or established international authority. However, this exclusion does not apply to the first sixty (60) consecutive days of active military service with the armed forces of any country or established international authority.

GCA5116

Specialized Aviation

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, an Insured Person traveling or flying on any aircraft engaged in Specialized Aviation Activities.

GCA5118

Suicide or Intentional Injury

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, an Insured Person's suicide, attempted suicide or intentionally self-inflicted injury.

GCA5120

Trade Sanctions

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss when:

1) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury or Loss; or

2) there is any other legal prohibition against providing insurance of any Accident, Accidental Bodily Injury or Loss.

GCA5122

War

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, a declared or undeclared War.

GCA5126DC

Section VII - Definitions

For the purpose of these definitions, the singular includes the plural and the plural includes the singular, unless otherwise noted.

Accident or Accidental

Accident or Accidental means a sudden, unforeseen, and unexpected event which:

1) happens by chance;

2) arises from a source external to an Insured Person;

3) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof;

4) occurs while the Insured Person is insured under this policy which is in force; and

5) is the direct cause of loss.

GCA5600

Accidental Bodily Injury

Accidental Bodily Injury means bodily injury, which is:

1) Accidental;

2) the direct cause of a loss; and

3) occurs while an Insured Person is insured under this policy, which is in force.

Accidental Bodily Injury does not include conditions caused by repetitive motion injuries, or cumulative trauma not a result of an Accident, including, but not limited to:

1) Osgood-Schlatter's Disease;

2) bursitis;

3) Chondromalacia;

4) shin splints;

5) stress fractures;

6) tendinitis; and

7) Carpal Tunnel Syndrome.

GCA5602

Actively at Work or Active Work

Actively at Work, or Active Work means a person is performing the material and substantial duties of his or her regular occupation for compensation.

GCA5606

Assistance Services Administrator

Assistance Services Administrator means the organization that contracts with the Company to provide Medical Evacuation and Repatriation services to an Insured Person.

GCA5610

Benefit Amount

Benefit Amount means the amount stated in the Schedule of Benefits of this policy which applies:

1) at the time of an Accident;

2) to an Insured Person; and

3) for an applicable Hazard.

GCA5612

Carjacking

Carjacking means the unlawful forced removal or detention of an Insured Person while operating or riding as a passenger in, boarding or alighting from, a Private Passenger Automobile during the theft or attempted theft of such Private Passenger Automobile. The Carjacking must be confirmed in writing by a police report in the jurisdiction where the Loss occurs.

GCA5626

Class

Class means the categories of Insured Persons described in Section I of the Schedule of Benefits.

GCA5628

Child Care Expense

Child Care Expense means the actual incurred costs for the care and supervision of an Insured Person's Dependent Child who is less than age thirteen (13).

GCA5630

Coma

Coma means a profound state of unconsciousness, as determined by a Physician according to the Glasgow Coma Scale, from which an Insured Person cannot be aroused to consciousness even by powerful stimulation.

GCA5632

Common Accident

Common Accident means the same Accident or separate Accidents that occur within the same consecutive twenty-four (24) hour period and result in Loss of Life to a Primary Insured Person and such Primary Insured Person's Spouse or Domestic Partner.

GCA5642

Company

Company means FEDERAL INSURANCE COMPANY.

GCA5648

Contributory Insurance

Contributory Insurance means insurance that the Policyholder makes available for which the premium payment is either shared by the Policyholder and Insured Person or paid completely by an Insured Person.

GCA5649

Conveyance

Conveyance means any motorized craft, vehicle or mode of transportation licensed or registered by a governmental authority with competent jurisdiction.

GCA5650

Covered Expenses

1) With respect to Medical Evacuation, Covered Expenses means the cost for:

1) a land, water or air Conveyance, required to transport an Insured Person during a Medical Evacuation. Special transportation by, but not limited to, air ambulances, land ambulances and private motor vehicles must:

a) be recommended by an attending Physician; and

b) comply with the standard regulations of the Conveyance transporting an Insured Person.

The means of transportation that is best suited to accommodate an Insured Person, based on the seriousness of an Insured Person's condition, will be used.

2) medical supplies and services which are:

a) ordered or prescribed by an attending Physician; and

b) are, in the opinion of an attending Physician, necessarily incurred in connection with the Medical Evacuation of an Insured Person.

2) With respect to Repatriation, Covered Expenses means the cost for:

1) Repatriation of an Insured Person; and

2) medical supplies and services which:

a) are ordered or prescribed by an attending Physician; and

b) are, in the opinion of an attending Physician, necessarily incurred in connection with Repatriation of an Insured Person; or

c) are necessary for embalming, cremation, transportation and purchase of a shipping container as required by applicable law or regulation.

With respect to Medical Evacuation and Repatriation, all transportation arrangements made for an Insured Person will be by the most direct and economical route. All Covered Expenses must be arranged by and receive the prior approval of Our Assistance Service Administrator.

Covered Expenses do not include those expenses incurred by an Insured Person for Accidental Bodily Injury, illness or disease, which occurs while an Insured Person is:

1) traveling against the advice of a Physician; or

2) traveling for the purpose of obtaining medical treatment.

GCA5654

Dependent

Dependent means a Dependent Child, Spouse or Domestic Partner of a Primary Insured Person.

GCA5660

Dependent Child

Dependent Child means a Primary Insured Person's unmarried child from the moment of birth, including a natural child, grandchild, stepchild or adopted child from the date of placement with a Primary Insured Person. The Dependent Child must be primarily dependent upon such Primary Insured Person for maintenance and support, and must be:

1) under the age of twenty two (22);

2) under the age of twenty five (25) if enrolled as a full-time student at an Institution of Higher Learning; or

3) classified as an Incapacitated Dependent Child.

GCA5662

Domestic Partner

Domestic Partner means a person designated in writing at enrollment by a Primary Insured Person who:

1) is at least 18 years of age and competent to enter into a contract;

2) is not related to the Primary Insured Person by blood;

3) has exclusively lived with the Primary Insured Person for at least twelve (12) months prior to the date of enrollment;

4) is not legally married or separated; and

5) as of the date of enrollment, has with the Primary Insured Person at least two (2) of the following financial arrangements:

a) a joint mortgage or lease;

b) a joint bank account;

c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or

d) a joint credit card account with a financial institution.

Neither the Primary Insured Person nor the Domestic Partner can be married to, nor be in a civil union with anyone else.

GCA5666

Education Expense

Education Expense means the actual cost incurred for tuition, fees, or room and board billed by an Institution of Higher Learning. Education Expense also means costs for required books or course supplies but shall not include any amount reimbursed from any other source.

GCA5668

Emergency Medical Treatment

Emergency Medical Treatment means Hospital treatment for a medical condition which:

1) arises suddenly and unexpectedly; and

2) if left untreated could result in Loss of Life, or in serious deterioration of an Insured Person's medical condition.

GCA5674

Family Travel Expense

Family Travel Expense means actual costs incurred by an Immediate Family Member for temporary lodging, transportation and meals while traveling to and from visits with an Insured Person.

GCA5678

Full-time Employee

Full-time Employee means an employee who works at least 30 hours per week.

GCA5684

Gainful Occupation

Gainful Occupation means an occupation, including self employment, that is or can be expected to provide an Insured Person with an income equal to at least 60% of the Insured Person's monthly earnings within twelve (12) months after the Insured Person's return to work.

GCA5688

Hazard

Hazard means the circumstances for which this insurance is provided as stated in Section III of the Schedule of Benefits and described in the Hazard Section of this policy.

GCA5696

Hemiplegia

Hemiplegia means complete and irreversible loss of all motion and all practical use of one arm and one leg on the same side of the body that lasts longer than 365 days as determined by a Physician approved by Us.

GCA5702

Home Alteration

Home Alteration means changes to an Insured Person's primary residence that are necessary to make the residence accessible and habitable for such Insured Person.

GCA5706

Home Health Agency

Home Health Agency means an entity engaged in arranging and providing nursing services, home health aide services or other therapeutic and related services. The entity must be certified by a competent governmental authority in the jurisdiction where services are rendered, as meeting the requirements of Title XVIII of the Social Security Act, as amended, for home health agencies.

GCA5708

Home Health Care

Home Health Care means Medically Necessary services provided and billed by a Home Health Agency.

Such services must be prescribed and supervised by a Physician in accordance with a medical treatment plan.

GCA5710

Hospital

Hospital means a public or private institution which:

1) is licensed in accordance with the laws of the jurisdiction where it is located;

2) is accredited by the Joint Commission on Accreditation of Hospitals;

3) operates for the reception, care and treatment of sick, ailing or injured persons as in-patients;

4) provides organized facilities for diagnosis and medical or surgical treatment;

5) provides twenty-four (24) hour nursing care;

6) has a Physician or staff of Physicians; and

7) is not primarily a day clinic, rest or convalescent home, assisted living facility or similar establishment and is not, other than incidentally, a place for the treatment of alcoholics or drug addicts.

GCA5712

Hospital Admission Guaranty

Hospital Admission Guaranty means any charge or expense made by a Hospital prior to and as a condition of an Insured Person's admission.

GCA5714

Immediate Family Member

Immediate Family Member means an Insured Person's:

1) Spouse or Domestic Partner;

2) children including adopted children or stepchildren;

3) legal guardians or wards;

4) siblings or siblings-in-law;

5) parents or parents-in-law;

6) grandparents or grandchildren;

7) aunts or uncles;

8) nieces and nephews.

Immediate Family Member also means a Spouse's or Domestic Partner's children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law;

grandparents or grandchildren; aunts or uncles; nieces or nephews.

GCA5716

Incapacitated…