Locomotive Disability Specialists Product 2

Disability & Accidental Death Coverage

NS Engineers

Income Protection and Accidental Death Benefits

Norfolk Southern Railroad

Employer Paid Disability Insurance Negotiated by the General Committee of Adjustment for the Brotherhood of Locomotive Engineers, Norfolk Southern Railroad

Lincoln National Life Policy coming soon

Premium - $13 a month paid by Norfolk Southern, $31.65 (before taxes) a month paid by each Norfolk Southern Engineer

Short-Term Disability Provided by Lincoln National Life Insurance Company

	$350 per Week Taxable Benefit (Approx. $1,517 per Month)
	30 day Elimination Period
	Pre-existing Conditions are Covered from Day One
	Guaranteed Issue for all Norfolk Southern Railroad Engineers (no physical required for entry into the program)
	12 Month Benefit Period
	24 Hour Coverage (you are covered for both on the job and off the job disabilities - accident and illness)
	Own Occupation Definition of Disability
	No Offsets from Sickness Benefits, Railroad Retirement or any Other Policies you may have
	No Payback for any FELA Settlement you may receive

Third Party Accident Insurance "Deadhead Coverage" Provided by Reliance Standard Life

	$500,000 Accidental Death and Dismemberment
	$10,000 Extra Seatbelt Coverage
	$550 per Week Accident Disability
	14 Day Wait
	26 Week Benefit
	Paid on top of Disability and all other Policies
	$5,000,000 Aggregate per Accident
	Only paid if no FELA Settlement

Accidental Death, Dismemberment and Paralysis

Losses Paid at 100%

	Life
	Both Hands or Both Feet
	Sight of Both Eyes
	One Hand and One Foot
	One Hand and the Sight of One Eye
	One Foot and the Sight of One Eye
	Speech and Hearing in Both Ears
	Quadriplegia

Losses Paid at 75%

Paraplegia

Losses Paid at 50%

	The Sight of One Eye
	One Hand or One Foot
	Speech or Hearing in Both Ears
	Hemiplegia

Losses Paid at 25%

Thumb and Index Finger of the Same Hand

Reduction Schedule

The maximum amount used to determine the amount payable for a loss will be reduced if an insured person is age 70 or older on the date of the accident causing the loss with respect to any of the following benefits provided by the plan: Accidental Death Benefit, Accidental Dismemberment Benefit, Paralysis Benefit or Seat Belt Benefit. The maximum amount is reduced to a percentage of the maximum amount that would be used if the insured person were under age 70 on the date of the accident according to the following schedule:

	70 to 74 - 65%
	75 to 79 - 45%
	80 to 84 - 30%
	85 an over - 15%

Seat Belt Benefit

Pays an additional benefit of $10,000 if a covered accidental death occurs while operating or riding as a passenger in an automobile if it is verified that the person was wearing a properly-fastened, originally factory-installed seat belt

Weekly Accident Indemnity Benefit

Pays an additional benefit if as the result of a covered accident the insured person is rendered totally disabled within 30 days of the accident that caused the injury. No benefit is provided for the first 15 days of total disability. The amount of the benefit per week is the lesser of the benefit plan amount selected or 75% of weekly earnings. It is payable weekly as long as the injured person remains totally disabled due to that injury up to a maximum of 26 weeks. Only one benefit is provided for any one day, regardless of the number of injuries causing the total disability. No benefits are payable under this benefit if the insured person had no earnings at the time of the accident causing the injury from an occupation, job or work being performed at the time.

This is a summary of benefits only. For a complete description of benefits and limitations, refer to the policy booklet.