IQVIA Benefits Handbook
ADDITIONAL AD&D BENEFIT COVERAGE
In addition to the plan's basic and voluntary coverage amounts, additional benefits may be payable if you or your covered dependents experience certain types of covered losses. These additional benefits will depend on the type of coverage you have selected for you and/or your covered dependents.
Additional Benefits
Education Benefit
If you die as a result of a covered accident, the AD&D Plan will pay an additional benefit for any qualified dependent children up to age 26 who are enrolled as full-time students at an accredited post-secondary institution of higher learning at the time of death.
The amount payable to each eligible child will be $2,500 per year. The maximum lifetime benefit per family is $20,000.
Education benefits for an eligible child will end on the earliest of the following:
  • The date your eligible child fails to furnish proof of eligibility to Lincoln upon request.
  • The date your eligible child turns age 26.
  • Four years.
  • The date your dependent child attains a bachelor's degree.
Exposure and Disappearance Benefit
If you have unavoidable exposure to the elements as the result of a covered accident, and as a result experience the loss of a limb, speech, hearing or sight, the AD&D Plan will pay benefits to you as specified in "How Benefits are Paid."
Lincoln will presume you suffered a loss of life and pay your basic AD&D benefit to your eligible beneficiary if all of the following apply:
  • You are riding in a common public passenger carrier that is involved in an accident covered under the plan.
  • As a result of the accident, the common public passenger carrier is wrecked, sinks, is stranded or disappears.
  • Your body is not found within one year of the accident.
Repatriation of Remains Benefit
If you suffer a covered accidental death while at least 200 miles from home, an additional benefit will be paid for covered expenses (to a maximum of $5,000) associated with the preparation and return your body to a mortuary of his or her choice.
Seat Belt and Air Bag Benefit
The seat belt and air bag provision of the AD&D Plan provides additional benefits if you:
  • Die as a direct result of injuries sustained in a motor vehicle accident, whether as a passenger or driver of a private passenger car.
  • Were properly wearing a seat belt or lap and shoulder harness at the time of the accident.
For the purposes of this benefit, a private passenger car is a validly registered four-wheel private passenger car (including a company-owned car), station wagon, jeep, pick-up truck or van that used only as a private passenger car.
The official police report of the covered accident must certify the proper use of the seat belt at the time of the accident, or the investigating officer(s) must certify, in writing, the proper use of the seat belt. This certification must be submitted with your or your beneficiary's claim to Lincoln.
No benefits under the plan will be paid if, as the driver of a motor vehicle, you did not hold a valid driver's license or if the official report reflects that you were not wearing the seat belt or the seat belt was worn incorrectly.
If you are eligible for the seat belt and air bag benefit, these amounts are payable only after basic and/or voluntary benefits have been paid from the plan. Contact Lincoln for details.
Seat Belt Benefit
The plan pays you a seat belt benefit equal to an additional 10 percent of your basic AD&D coverage amount up to $25,000, if all of the following apply:
  • The private passenger car that you were riding in was equipped with seat belts.
  • The seatbelts were in actual use and properly fastened at the time of the covered accident. (An automatic harness seatbelt is not considered fastened unless a lap belt is also used.)
  • The position of the seatbelts is certified in the official report of the covered accident (or by the investigating officer).
  • If the covered person holds a valid driver's license.
Air Bag Benefit
The plan pays you an air bag benefit equal to an additional five percent of your basic AD&D coverage amount up to $10,000 if the seat belt requirement was met, if the covered person was the driver with a valid driver's license, and the private passenger car was:
  • Equipped with a single air bag (if you were driving alone).
  • Equipped with an air bag for the driver and an air bag for the front passenger seat (if you were the driver or front seat passenger).
  • Equipped with an air bag for the driver seat, an air bag for the front passenger seat and air bags for rear passenger seats (if you were the driver, front seat passenger or rear seat passenger).
Seat Belt Definition
Seat Belt means a combination lap and shoulder restraint system that must meet the Federal Vehicle Safety Standards of the National Highway Traffic Safety Administration and be installed by the manufacturer. A Seat Belt will include a lap belt alone, but only if the automobile did not have a combination lap and shoulder restraint system when manufactured. Seat Belt does not include a shoulder restraint alone.