Disability, Life, and Accident Plans

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1 Disability, Life, and Accident Plans Summary Plan Description 2000 Edition/Union-Represented Employees Space City Lodge No The summary plan description (SPD) for this Plan is this booklet and any summaries of material modifications (Updates). Updates are issued if the Company adds to or changes benefits in the Plan after the SPD is published. The Updates, if any, are incorporated at the end of this booklet. The content and delivery of this booklet are intended to comply with the Employee Retirement Income Security Act of 1974, as amended (ERISA). If there is any conflict between the information in this booklet and the official Plan document, the official Plan document will govern. Disability, Life, and Accident Plans 2000 Edition

2 Disability, Life, and Accident Plans Plan Highlights This booklet describes the disability, life, and accident plans that may be available to you if you are an eligible union-represented employee of The Boeing Company. The provisions of each plan are effective July 1, The plans are designed to protect you and your family against income loss if an illness or disability keeps you off the job, to protect against financial hardship in the event of your death, and to provide benefits in the event of paralysis or loss of your limbs, eyesight, hearing, or speech due to an accident. The Company pays the full cost of the disability, life, and accident plans described in this booklet. Weekly Disability Plan If an illness or disability keeps you off the job, you will have benefits through the Weekly Disability Plan. Life Plans The Life Insurance Plan helps protect your dependents against financial hardship in the event of your death. If you become permanently and totally disabled, benefits also may be payable to you. The Survivor Income Plan provides monthly income benefits to your eligible survivors. Accidental Death and Dismemberment Plans The Accidental Death and Dismemberment Plan and Business Travel Accident Plan provide benefits to your beneficiary in the event of your death, or to you in the event of paralysis or loss of your limbs, eyesight, hearing, or speech. The death or loss must be caused by a covered accident. Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-1

3 General Plan Provisions Please read this material carefully and share it with your family. If you have questions, call the Boeing Service Center for Health and Welfare Plans at the telephone number listed in Exhibit 5 on page Although The Boeing Company ( the Company ) fully intends to continue the plans, it reserves the right to change, modify, amend, or terminate the plans at any time. The benefits described in this booklet are provided under The Boeing Company Employee Health and Welfare Benefit Plan ( the Plan ). The Plan includes medical, dental, disability, life insurance, and accident insurance benefits for certain union-represented employees of The Boeing Company as well as other groups of Boeing employees. Benefits payable under the Plan are limited to the benefits specified by the Plan. The Plan Administrator, Boeing Service Center, and service representatives (insurance companies) that make benefit payments administer the Plan strictly in accordance with its provisions. The Plan Administrator and service representatives have the right to recover overpayments, regardless of the cause, nature, or source of the overpayments. The Company authorizes the Boeing Service Center to administer the Plan and interpret its terms. The Company authorizes the service representatives to interpret the Plan and to decide claim appeals. The Employee Benefit Plans Committee is authorized to decide eligibility appeals. Participants appeal rights and the responsibilities of the Boeing Service Center, service representatives, and Plan Administrator are specified in the Plan. In general, this booklet and the insurance contracts are the Plan documents for these disability, life, and accident plans. This booklet is the summary plan description. 2-2 Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

4 Table of Contents Eligibility and Enrollment Eligible Employees How to Enroll Beneficiary Designations Absolute Assignment of Benefits Boeing Service Center for Health and Welfare Plans Effective Date of Coverage Contributions Weekly Disability Plan Benefits Benefit Payment Period Reinstatement of Benefits Exclusions Income Tax Withholding How to Submit a Claim Life Insurance Plan Benefits Benefits During a Disability How to Submit a Claim Survivor Income Plan Transition Benefits Eligible Survivors Benefit Payments Bridge Benefits How to Submit a Claim Accidental Death and Dismemberment Plan Benefits Exposure and Disappearance Exclusions How to Submit a Claim Business Travel Accident Plan Benefits Exposure and Disappearance Business Travel When a Trip Begins and Ends Regular Place of Employment Vacation Travel To and From Work Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-3

5 Limitation Exclusions How to Submit a Claim Review and Appeal Procedures Claim Review and Appeal Eligibility Review and Appeal Termination of Coverage Termination Dates Leaves of Absence Medical Leave of Absence Other Leaves of Absence Changes in Leave Types Uniformed Services Leave of Absence Termination of Employment Following a Leave of Absence Change in Employment Class Conversion of Your Life Coverage Contracts Special Disclosure and Other General Plan Information Plan Name Plan Sponsor Plan Administrator and Agent for Service of Legal Process Type of Administration Type of Plan Funding and Contributions Benefit Payments Plan Records Plan Number and Employer Identification Number Unions Service Representatives Participant Rights and Protections Under ERISA Definitions Exhibits Exhibit 1: Weekly Disability Benefit Amounts Exhibit 2: Weekly Disability Benefit Schedule Exhibit 3: Certificate of Insurance, Aetna Life Insurance Company Exhibit 4: Certificate of Insurance, AIG Life Insurance Company Exhibit 5: Where to Get Information Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

6 Eligibility and Enrollment Eligible Employees You are eligible for coverage under the disability, life, and accident plans described in this booklet if you are a union-represented employee of The Boeing Company, are on the active payroll and paid through the Company Payroll Department, and are represented by one of the unions listed on page You are not eligible for coverage under these plans if you are working in a capacity that, at the sole discretion of the Plan Administrator, is considered as contract labor or independent contracting. How to Enroll If you are a newly eligible employee, you will receive an enrollment kit containing the following materials: An enrollment worksheet that shows your available health and welfare plan options, coverage levels, and costs (if any). An enrollment guide that explains how to enroll or access plan information by using an automated phone system. In a separate mailing you also will receive a personal identification number (PIN). To enroll in your health and welfare plans, you will need your PIN and Social Security number. If you are enrolling your eligible dependents in the health care plans, you will need their Social Security numbers and birth dates as well. Once you have completed your enrollment worksheet and have your PIN available, you can enroll in your health and welfare plans by calling the Boeing Service Center automated phone system. Beneficiary Designations At the time you enroll, you will be asked to designate the person or persons you would like to receive benefits under the life and accident plans if you die while covered under these plans. If no designated beneficiary survives you, the life insurance benefit will be paid to your surviving family members in this order: Your spouse. Your child or children. Your parent or parents. Your sibling or siblings. If no designated beneficiary survives you, and none of these family members survives you, the life insurance benefit will be paid to your estate. If you name a minor child as a beneficiary, the service representative (insurance company) generally will not make a payment until that child reaches the age of majority. If you wish the child to have current access to your life insurance benefits, you may want to consider naming a guardian or trust to receive the funds on behalf of the minor child. You may change your beneficiary designation at any time by contacting the Boeing Service Center and completing a Beneficiary Designation form. Absolute Assignment of Benefits You may assign ownership of your life and accident insurance benefits, including subsequent increases, by submitting an Assignment of Group Coverage form to the Boeing Service Center. The Boeing Service Center then will submit the assignment form to the service representative Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-5

7 (insurance company) to obtain written consent. You are encouraged to consult legal or tax counsel before assigning benefits under these plans. Assignment forms are available from the Boeing Service Center. The Plan does not allow assignments to viatical settlement providers. (See page 2-30 for the definition of a viatical settlement provider.) Boeing Service Center for Health and Welfare Plans You may enroll in your health and welfare plans by calling the Boeing Service Center automated phone system. Representatives are available on weekdays to answer questions or assist you in enrolling. Automated Phone System Boeing Service Center Representatives Seven days a week, 24 hours a day (if calling from overseas) (hearing impaired) Available through the above numbers, Monday through Friday, 9 a.m. to 8 p.m. Eastern time, 8 a.m. to 7 p.m. Central time, 7 a.m. to 6 p.m. Mountain time, and 6 a.m. to 5 p.m. Pacific time After your initial enrollment, you may use the automated phone system to review your elections, add new dependents to your health care coverage, and request forms. For other changes and for additional help, you will need to speak with a Boeing Service Center representative. Effective Date of Coverage If you are a newly hired employee, your coverage generally becomes effective on the first day of the month following one full calendar month of continuous employment. To complete a full calendar month, you must be on the Company s active payroll from the first regularly scheduled workday of a month through the last regularly scheduled workday of that month. You must be actively at work (as defined on page 2-29) for coverage to become effective on the following dates. If you are not actively at work on your scheduled effective date, coverage will begin on the day you return to active work for one full day. If you are recalled from a layoff of less than one year, return to work from retirement, or return to work from an approved educational leave of absence, coverage is effective on the first day of the month following or coinciding with the return. If you are reemployed following uniformed service (and return to work promptly according to federal law) or return to work from an approved leave of absence (other than an educational leave of absence), coverage is effective on the date you are reinstated to the active payroll. If you are transferring from one payroll to another, contact the Boeing Service Center for information about your coverage effective date. You continue to be eligible for coverage as long as you are on the active payroll on the first day of each calendar month. For coverage during a leave of absence, see Leaves of Absence beginning on page Contributions The Company pays the full cost of your coverage under the disability, life, and accident plans described in this booklet. 2-6 Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

8 Weekly Disability Plan The Company provides disability income coverage for you under the Weekly Disability Plan. You are eligible for a weekly benefit if you become disabled due to a pregnancy-related condition, illness, or accidental injury, whether on or off the job, while covered under this plan. The service representative for the Weekly Disability Plan is Aetna Life Insurance Company. The Boeing Company may change the service representative at any time. Benefits Depending on the nature of your disability, benefits begin on the first or seventh day of your disability. Your weekly benefit is based on your labor grade, job code, or other classification, and eligibility for workers compensation, according to the schedule of benefits in Exhibit 1 below. International Association of Fire-Fighters, Local No. I-66 International Association of Machinists and Aerospace Workers, District Lodge Nos. 751, 24, and 70 and Local No. 86; International Brotherhood of Electrical Workers, Local No. 271 International Association of Machinists and Aerospace Workers, Space City Lodge No International Union of Operating Engineers, Local No. 286 International Union of Operating Engineers, Local No. 286W International Union, Security, Police and Fire Professionals of America, Local Nos. 2 and 5 *For disabilities that begin on or after July 1, Exhibit 1 Weekly Disability Benefit Amounts* Disabilities Not Disabilities Covered by Covered by Workers Workers Union Classification Compensation Compensation All employees $300 $ $280 $ $300 $ $330 $ $250 $ $270 $ D1-D2 $300 $150 All employees $330 $ $280 $ $300 $ $330 $165 All employees $300 $150 Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-7

9 Your benefits under this plan will be determined using the labor grade, job code, or other classification reflected in the records of the Boeing Service Center at the time your disability first begins. If you are actively at work (as defined on page 2-29) and your labor grade, job code, or other classification changes, the coverage amount (the weekly benefit for which you may be eligible) automatically will change on the first day of the month following or coinciding with the date the Boeing Service Center is notified of the change in your status. If you are not actively at work on the day the coverage change is to become effective, the effective date for your new coverage amount will be delayed until the first day of the month following or coinciding with the day you return to work for one full day. Any retroactive change in your labor grade, job code, or other classification will not retroactively change your disability coverage amount under this plan. If your period of disability has started, a change in your labor grade, job code, or other classification will not change your benefit amount. Benefit Payment Period Benefits begin as shown in the schedule in Exhibit 2 below and continue while you are disabled, up to 26 weeks. To receive benefits, you must submit a claim to the service representative. (See How to Submit a Claim on page 2-9.) You will receive any retroactive amounts for which you are eligible as soon as your claim is approved. Exhibit 2 Weekly Disability Benefit Schedule For a Maximum In the Event of: Benefits Begin on the: Period of: An accidental injury not covered by 1st day of disability 26 weeks a workers compensation plan An inpatient admission to a hospital for 1st day of hospital admission 26 weeks an injury or illness, including pregnancy or a work-related condition An accidental injury covered by a workers 7th day of disability 26 weeks compensation plan and all other illnesses, including pregnancy-related conditions Note: If you are absent for a period of seven or more consecutive days due to a disability resulting from outpatient surgery in a hospital or surgical facility, benefits will be retroactive to the first day of such disability. (See page 2-29 for the definition of a hospital.) You also must be seen and treated by a physician during the first seven days of your disability. If you wait more than seven days, benefits will not begin until you actually are seen and treated by a physician. While you are disabled, you must see a physician at least once every two weeks. Your coverage will continue up to the maximum period shown in the schedule as long as you are certified by a physician as unable to work at your regular occupation because of your disability. 2-8 Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

10 Reinstatement of Benefits Your benefits will be reinstated after a period of disability if you return to active work for at least 30 consecutive days. You then will be eligible for a new period of benefits according to the schedule in Exhibit 2 on page 2-8. If you return to active work for at least one full day following a disability and then experience a second disability that is due to entirely different causes, you will be eligible for a new period of benefits related to the second disability. You will not be eligible for a new period of benefits if, within 30 days of your return to work, you are absent due to the same or related disability. However, under these circumstances, no new waiting period is required, and you may be eligible for any benefits remaining from the original 26-week period. Exclusions The Weekly Disability Plan does not cover any disability directly or indirectly due to Intentionally self-inflicted injury. War or any act of war. Participation in a riot. In addition, you are not eligible for benefits during any period when you are performing work of any kind for compensation or profit. Income Tax Withholding Weekly disability benefit payments are reported to the federal government and may be considered as taxable income to you. There is no income tax withholding from your benefit payments. Federal law requires Social Security (FICA) withholding from your disability benefit payments. The amount of withholding will be the current FICA withholding rate applied to the taxable portion of the benefit. Your FICA withholding is reported to the government and is matched by the Company. How to Submit a Claim You must fill out a Medical Disability Claim for Benefits form to request disability benefits. You may avoid a delay in benefit payments by submitting a claim to the service representative on or after the first day of your disability if your disability is the result of a nonoccupational injury or if you are hospitalized as an inpatient. For all other disabilities, you are encouraged to file your claim on or before the seventh day of your disability. Claim forms are available from Boeing Leave of Absence coordinators, People representatives, and the Boeing Medical Department. You must submit your claim for weekly disability benefits within 90 days of the date your disability benefits are first payable. If, through no fault of your own, you are unable to submit your claim within 90 days, you must submit it as soon as possible. Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-9

11 Life Insurance Plan The Life Insurance Plan pays a life insurance benefit to your beneficiary if you die, regardless of the cause, time, or place, while you are covered under the plan. The service representative for the Life Insurance Plan is Aetna Life Insurance Company. The Boeing Company may change the service representative at any time. Benefits Your life insurance coverage is $32,000. In the event of your death, the benefit will be paid to the beneficiary on file with the Boeing Service Center. Refer to page 2-5 for information about beneficiary designations. Your beneficiary can choose to have benefits paid in a lump-sum check or have a checkbook issued. If the beneficiary chooses a checkbook, death benefit proceeds are paid into an Aetna Benefits Checkbook account, which bears interest at current money market rates. The beneficiary can write one check for the entire amount or several checks over a period of time. There is no minimum or maximum time for maintaining the account. If you have more than one beneficiary and proceeds to any beneficiary are less than $10,000, the checkbook option is not available to that beneficiary, and the service representative will issue a lump-sum check. Proceeds of your basic life insurance death benefit also can be assigned to a mortuary or funeral home to cover the cost of a funeral, burial, cremation, or crypt. Benefits During a Disability If you become permanently and totally disabled (as defined on page 2-30) before age 60 while covered under this plan, the full life insurance benefit will be paid to you in monthly installments of $500. Your monthly benefits will begin the first day of the month after the service representative receives proof of your permanent and total disability. As long as you remain permanently and totally disabled, benefits will continue until the full life insurance benefit (including interest accrued on the unpaid balance) is paid out. Your full life insurance benefit is the amount of insurance in effect on the date your total disability begins. The amount will not change regardless of any increases or decreases at a later time. The final monthly payment will equal the balance of the benefit. If you die while receiving this monthly benefit, the balance of the life insurance benefit with interest accrued to the date of your death will be paid to your beneficiary in a lump sum Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

12 Separate periods of total disability that are the result of the same or related causes and that are separated by less than 30 days of active work are considered one period of total disability. If you recover and return to work, the amount of the unpaid life insurance benefit plus accrued interest will be reinstated as your total life insurance benefit. The maximum payments for a subsequent disability or the total payment in case of your death will be limited to this reduced life insurance benefit amount. If you recover but do not return to work your coverage under the plan will end. You may convert the amount of the unpaid benefit plus accrued interest to an individual policy of life insurance as explained in Conversion of Your Life Coverage on page The rate of interest accrued on the unpaid life insurance balance is the interest rate provided with respect to special methods of settlement under individual policies of life insurance issued by the service representative. How to Submit a Claim To receive continued coverage during a disability, you must provide proof of your disability to the service representative (insurance company) within 12 months of the time you are no longer actively at work because of the disabling condition. You also must provide subsequent evidence of continuing disability when requested by the service representative. Questions regarding filing a claim for disability may be directed to the service representative or the Boeing Service Center. (See page 2-31 for the addresses and telephone numbers of the service representative and Boeing Service Center.) All other claims for life insurance benefits should be reported immediately to the Boeing Service Center. The service representative may deny a claim if submitted more than 12 months after coverage ends. Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-11

13 Survivor Income Plan The Survivor Income Plan provides temporary income to your eligible survivors if you die from any cause while covered under this plan. Survivor income benefits include transition and bridge benefits. The service representative for the Survivor Income Plan is Aetna Life Insurance Company. The Boeing Company may change the service representative at any time. Transition Benefits The monthly transition benefit under this plan is $210 for any month in which your eligible survivor receives no Social Security benefits or receives Social Security benefits that are reduced solely because of age. If your eligible survivor receives unreduced Social Security benefits or Social Security benefits that are not reduced solely because of the person s age, the monthly benefit is $140. Eligible Survivors Transition benefits will be paid to the survivors listed below in this order: Your spouse if he or she was legally married to you at least one year immediately before your death. Your unmarried children under age 25 if legally residing with you and dependent on you at the time of your death for at least 50 percent of their support during the year immediately preceding your death. A child will continue to be eligible regardless of age if the child is totally and permanently disabled, legally residing with you, and dependent on you for support. An eligible child includes a legally adopted child or stepchild. Your parent or parents if dependent on you for 50 percent or more of their support in the year preceding your death. This includes natural and adoptive parents. Benefit Payments Benefits begin on the first day of the calendar month following the date of your death and will be paid by the first day of each calendar month thereafter. Benefits are divided equally if two or more persons are eligible to receive the benefit. If there are no eligible survivors, no benefits will be paid. The maximum period transition benefits will be paid is 24 months. Bridge Benefits After transition benefits are paid, your spouse may be eligible for bridge benefits if he or she is at least 50 years of age at the time of your death. The monthly bridge benefit is $210 and will be paid to your surviving spouse until the earliest of the following events: Your spouse s remarriage. The end of the month in which your spouse reaches age 62. The date your spouse becomes eligible for full widow s or widower s insurance benefits under the federal Social Security program. Your spouse s death. If your surviving spouse is eligible for mother s or father s insurance benefits under the federal Social Security program, monthly bridge benefits will not begin until after your surviving spouse stops receiving such insurance benefits. How to Submit a Claim Claims for survivor income benefits should be made promptly to the service representative. (See page 2-31 for the service representative s address and telephone number.) 2-12 Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

14 Accidental Death and Dismemberment Plan The Accidental Death and Dismemberment Plan provides benefits to your beneficiary in the event of your death, or to you in the event of paralysis or the loss of your limbs, eyesight, speech, or hearing, if your death or loss is caused by a covered accident (including an occupational accident) that occurs while you are covered under the plan. The service representative for the Accidental Death and Dismemberment Plan is AIG Life Insurance Company. The Boeing Company may change the service representative at any time. Benefits In the event of your accidental death, the plan pays the full principal sum of $32,000 to the beneficiary on file with the Boeing Service Center. This amount is in addition to any amount that may be payable under the Life Insurance Plan, Survivor Income Plan, and Business Travel Accident Plan. Refer to page 2-5 for information about beneficiary designations. The following benefits are payable if your injury causes any of the following losses (as defined in Definitions beginning on page 2-29) within 365 days after the covered accident. Loss Percentage of Principal Sum Life 100% Quadriplegia 100% Both Hands or Both Feet 100% Sight of Both Eyes 100% One Hand and One Foot 100% One Hand and the Sight of One Eye 100% One Foot and the Sight of One Eye 100% Speech and Hearing in Both Ears 100% Paraplegia 75% Hemiplegia 50% One Hand or One Foot 50% Sight of One Eye 50% Speech or Hearing in Both Ears 50% Hearing in One Ear 25% Thumb and Index Finger of Same Hand 25% Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-13

15 If you sustain more than one loss as the result of the same accident, the plan will pay no more than 100 percent of the principal sum. Your beneficiary can choose to have benefits paid in a lump-sum check or have a checkbook issued. If the beneficiary chooses a checkbook, death benefit proceeds are paid into an AIG Retained Assets account, which bears interest at current money market rates. The beneficiary can write one check for the entire amount or several checks over a period of time. There is no minimum or maximum time for maintaining the account. If you have more than one beneficiary and proceeds to any beneficiary are less than $10,000, the checkbook option is not available to that beneficiary, and the service representative will issue a lump-sum check. Benefits due to a loss other than death are paid in a lump-sum check. Exposure and Disappearance If you are unavoidably exposed to the elements due to an accident occurring while you are covered under this plan, and as a result of this exposure suffer a loss for which a benefit is otherwise payable, the loss is covered under the terms of this plan. If your body has not been found within one year of the disappearance, forced landing, stranding, sinking, or wrecking of a vehicle in which you were an occupant while covered under this plan, the loss will be covered as an accidental death under the terms of the plan. Exclusions Because the purpose of this Accidental Death and Dismemberment Plan coverage is to provide benefits for losses due to accidents, no plan benefits will be paid for death or loss caused in whole or in part by, or resulting in whole or in part from, any of the following: Suicide or intentionally self-inflicted injury. Declared or undeclared war or act of declared or undeclared war occurring in the continental limits of the United States, unless it is an act of terrorism. (See page 2-30 for the definitions of terrorism and war.) An illness, sickness, disease, bodily or mental infirmity, medical or surgical treatment, or bacterial or viral infection, regardless of how contracted, except bacterial infection resulting from an accidental cut or wound or accidental food poisoning. However, if a covered loss results from medical or surgical treatment of an injury, benefits will be provided for the loss. How to Submit a Claim All claims for accident insurance benefits should be reported to the Boeing Service Center within 90 days from the date of death or loss or as soon thereafter as reasonably possible. (See page 2-31 for the Boeing Service Center address and telephone numbers.) 2-14 Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

16 Business Travel Accident Plan The Business Travel Accident Plan provides benefits to your beneficiary in the event of your death, or to you in the event of paralysis or the loss of your limbs, eyesight, speech, or hearing, if your death or loss is caused by a covered accident that occurs while you are traveling on official Company business. The service representative for the Business Travel Accident Plan is AIG Life Insurance Company. The Boeing Company may change the service representative at any time. Benefits Your business travel accident coverage (principal sum) equals 2 1 / 4 times your base annual wage (as defined on page 2-29), subject to a minimum of $50,000 (except for flight crew members) and a maximum of $2 million. Coverage for flight crew members is subject to a minimum of $100,000 (principal sum). Your coverage amount is rounded to the next highest $1,000 if it is not already an even $1,000. In the event of your accidental death, the plan pays the full principal sum to the beneficiary on file with the Boeing Service Center. This amount is in addition to any amount that may be payable under the Life Insurance Plan, Survivor Income Plan, and Accidental Death and Dismemberment Plan. Refer to page 2-5 for information about beneficiary designations. The following benefits are payable if your injury causes any of the following losses (as defined in Definitions beginning on page 2-29) within 365 days after the covered accident. Loss Percentage of Principal Sum Life 100% Quadriplegia 100% Both Hands or Both Feet 100% Sight of Both Eyes 100% One Hand and One Foot 100% One Hand and the Sight of One Eye 100% One Foot and the Sight of One Eye 100% Speech and Hearing in Both Ears 100% Paraplegia 75% Hemiplegia 50% One Hand or One Foot 50% Sight of One Eye 50% Speech or Hearing in Both Ears 50% Hearing in One Ear 25% Thumb and Index Finger of Same Hand 25% Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-15

17 If you sustain more than one loss as the result of the same accident, the plan pays no more than 100 percent of the principal sum. Your beneficiary can choose to have benefits paid in a lump-sum check or have a checkbook issued. If the beneficiary chooses a checkbook, death benefit proceeds are paid into an AIG Retained Assets account, which bears interest at current money market rates. The beneficiary can write one check for the entire amount or several checks over a period of time. There is no minimum or maximum time for maintaining the account. If you have more than one beneficiary and proceeds to any beneficiary are less than $10,000, the checkbook option is not available to that beneficiary, and the service representative will issue a lump-sum check. Benefits due to a loss other than death are paid in a lump-sum check. Exposure and Disappearance If you are unavoidably exposed to the elements due to an accident occurring while you are covered under this plan, and as a result of this exposure suffer a loss for which a benefit is otherwise payable, the loss is covered under the terms of this plan. If your body has not been found within one year of the disappearance, forced landing, stranding, sinking, or wrecking of a vehicle in which you were an occupant while covered under this plan, the loss will be covered as an accidental death under the terms of the plan. Business Travel Business travel (commonly referred to as a business trip) is travel or sojourn authorized by, or at the discretion of, the Company for the purpose of furthering Company business. Coverage is provided for Boeing pilots and flight engineers while operating Boeing-owned and/or Boeing-manufactured aircraft in performing their job duties, including equipment tests on military aircraft. Note: No business travel accident coverage is provided while you are operating, crewing, or riding as a passenger or otherwise in any prototype aircraft manufactured by an entity other than The Boeing Company (see Exclusions on page 2-17), or on a day when you are using vacation or leave to extend a business trip. When a Trip Begins and Ends A business trip begins when you leave your residence or regular place of employment, whichever occurs last, for the purpose of going on a business trip. The trip ends when you return to your residence or regular place of employment, whichever occurs first. Regular Place of Employment Your regular place of employment means the place where the Company conducts operations and to which you normally report to perform your assigned function. If an assignment or sojourn at a workplace other than your regular place of employment exceeds 90 days, that workplace is considered your new regular place of employment. If you are employed in the United States or Canada and are on assignment outside either of these two countries, the 90-day limit does not apply if the assignment includes the right to return to the United States or Canada once the assignment is completed. Vacation Vacation time is not considered a business trip. When it is evident that you were traveling in conjunction with a business trip, a personal side trip is covered on a normal travel day, weekend, or holiday. For employees on assignment outside the United States or Canada, days designated for home leave or rest and recuperation are considered vacation. However, transportation for home leave or rest and recuperation are considered business trips when travel is paid by the Company Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

18 Travel To and From Work Travel to and from work is not considered a business trip except under the following circumstances: You are eligible for mileage reimbursement. You are a passenger in, or use public transportation in place of using, your own vehicle in a situation where you are eligible for mileage reimbursement. Limitation Payments will not exceed $80 million as the result of all losses to employees arising from any one aircraft accident. If the total of all losses exceeds $80 million, each employee s benefit will be prorated in the proportion that $80 million bears to the total of all losses. Exclusions No plan benefits will be paid for death or loss caused in whole or in part by, or resulting from, any of the following: Suicide or intentionally self-inflicted injury. Declared or undeclared war or act of declared or undeclared war occurring in the continental limits of the United States, unless it is an act of terrorism. (See page 2-30 for the definitions of terrorism and war.) An illness, sickness, disease, bodily or mental infirmity, medical or surgical treatment, or bacterial or viral infection, regardless of how contracted, except bacterial infection resulting from an accidental cut or wound or accidental food poisoning. However, if a covered loss results from medical or surgical treatment of an injury, benefits will be provided for the loss. Injury sustained by drivers and chauffeurs in the performance of their job descriptions, unless they qualify under the terms of Travel To and From Work above. Riding as a passenger or otherwise in any prototype aircraft manufactured by an entity other than The Boeing Company. (Prototype aircraft is defined as the first model of any type of aircraft that has been flown fewer than 20 hours.) Injury sustained by firefighters during an emergency response or during active participation in training for fire-fighting emergency responses, except when on a Company travel authorization to a workplace or training location other than the regular area of employment. Commission of, or attempt to commit, a felony. How to Submit a Claim All claims for accident insurance benefits should be reported to the Boeing Service Center within 90 days from the date of death or loss, or as soon thereafter as reasonably possible. (See page 2-31 for the Boeing Service Center address and telephone numbers.) Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-17

19 Review and Appeal Procedures The Plan has established the following procedures for review and appeal of denied claims or eligibility to participate under the disability, life, and accident plans described in this booklet. Claim Review and Appeal You should send your claim for weekly disability benefits to the plan s service representative. Claims for life insurance, survivor income benefits, or accidental death and dismemberment benefits should be reported to the Boeing Service Center; they will have a regional Health and Welfare Office representative contact you to assist in completing and submitting your claim to the appropriate service representative. When you submit a claim for benefits, the service representative will respond within 90 days of receiving the claim. If special circumstances require more time, the review period may be extended up to an additional 90 days. You will be notified in writing of this extension. If your claim is denied, you will be notified in writing, given the specific reasons for the denial, advised of your right to obtain copies of documents relating to the decision, without charge, and advised of your appeal rights. Often, you can resolve questions about a denied claim without a formal appeal. If you think a benefit has been denied in error, the issue often can be resolved by calling the service representative s claim office and discussing the situation. If the claim is not resolved through an informal review process, you may file a formal appeal seeking review of that decision. You or a person you appoint may appeal any denial or partial denial by writing to the service representative identified on the claim denial notice within 60 days after receiving the denial or partial denial of Plan benefits. You must indicate the reason for your appeal and may include any information or documents that you believe are relevant to the claim. The service representative will review the appeal and render a decision. In reviewing your appeal, the service representative will apply the terms of the Plan and will use its discretion in interpreting the terms of the Plan. The service representative will notify you of its decision within 60 days after receiving your appeal. If special circumstances require more time, the review period may be extended up to an additional 60 days. You will be notified in writing of this extension. The service representative will provide you with its final decision in writing and will indicate the specific Plan provision upon which the decision is based. You must proceed through the full claim and appeal process before pursuing other remedies. If you have not received notification within the time periods described above, you should consider your claim denied and proceed to the next step of the appeal process. The addresses and telephone numbers of the service representatives are listed in Exhibit 5 on page You may not take legal action against the Company for any claim for benefits under this Plan unless you instigate the legal action within two years after the date of the event upon which the claim is based Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

20 Eligibility Review and Appeal If you believe you improperly have been denied participation in any of the health and welfare plans, you should follow the general appeal procedure described in the previous section. The only difference is that your initial appeal should be made to the Boeing Service Center for Health and Welfare Plans instead of the service representative. Any appeal must be made within 60 days of the date you are denied participation. For eligibility or participation appeals, you or a person you appoint may request a review by the Boeing Employee Benefit Plans Committee, or its delegate, if the Boeing Service Center denies your request for participation. It is the Committee s exclusive right to interpret the terms of the Plan and, exercising its discretion, to determine all questions arising under the Plan. The decisions of the Committee are final and binding. Benefits will be paid under the Plan only if the Committee decides in its discretion that you have met the eligibility and participation requirements and the service representative has determined that you are entitled to the benefits. Your request to the Committee must be made in writing within 60 days after you receive the Boeing Service Center s decision. You must indicate the reasons for your appeal, and you may include any information or documents that you believe are relevant to the appeal. The Committee will advise you of its decision, usually within 60 days of receiving your request. Up to an additional 60 days may be required in special circumstances. You will be notified in writing of this extension. The address of the Committee is Employee Benefit Plans Committee, The Boeing Company, 7755 East Marginal Way S., P.O. Box 3707, MC 11-57, Seattle, WA You may not take legal action against the Company for any claim for denied participation under this Plan unless you instigate the legal action within two years after the date you initially are denied participation in the Plan. Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition 2-19

21 Termination of Coverage Termination Dates If your employment terminates, coverage ends on the following dates: Under the Life Insurance Plan, Survivor Income Plan, Accidental Death and Dismemberment Plan, and Business Travel Accident Plan, coverage ends on the date your employment terminates. However, if your death occurs within 31 days after the date your coverage terminates, the Life Insurance Plan benefit is payable to your beneficiary. Under the Weekly Disability Plan, coverage ends on the last day of the month in which your employment terminates. Leaves of Absence Medical Leave of Absence If you are eligible for coverage and begin an approved medical leave of absence from the Company, you will be covered under the disability, life, and accident plans as if you were an active employee until the end of the calendar month in which your leave began, except business travel accident coverage ends the day your leave starts. Your coverage under the Weekly Disability Plan, Life Insurance Plan, Survivor Income Plan, and Accidental Death and Dismemberment Plan will continue for up to six additional calendar months at no cost to you as long as you remain on an approved medical leave of absence. If your approved medical leave goes beyond six months and you are still totally disabled, you may continue your coverage for up to 24 months under the Life Insurance Plan, Survivor Income Plan, and Accidental Death and Dismemberment Plan by paying the full cost of the premiums. If you become permanently and totally disabled before age 60 while still insured, continue to be permanently and totally disabled, and meet all the requirements on pages 2-10 and 2-11, your coverage under the Life Insurance Plan will continue at no cost to you. The Weekly Disability Plan may not be continued beyond the first six months of your disability. Other Leaves of Absence If you are eligible for coverage and begin an approved leave of absence from the Company for nonmedical reasons, you will be covered under the disability, life, and accident plans until the end of the month in which your leave began, except business travel accident coverage ends the day your leave starts. Your coverage under the Weekly Disability Plan, Life Insurance Plan, Survivor Income Plan, and Accidental Death and Dismemberment Plan will continue for up to three additional calendar months at no cost to you as long as you remain on an approved nonmedical leave of absence. During approved nonmedical leaves of absence that go beyond three months, you will not be covered under the Weekly Disability Plan, Life Insurance Plan, Survivor Income Plan, or Accidental Death and Dismemberment Plan after the third calendar month of your leave Disability, Life, and Accident Plans Union-Represented Employees 2000 Edition

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