Protection Benefits

What is Business Travel Accident coverage?

Business Travel Accident coverage is a type of insurance that covers against accidental death and dismemberment in the case of an accident while you are traveling on company business.

Who administers Business Travel Accident coverage?

Chubb administers our Business Travel Accident coverage.

Who administers Short-Term Disability (STD) coverage?

Short-Term Disability coverage is administered by Sedgwick.

What is Short-Term Disability coverage?

All BHGE employees are eligible to apply for STD for personal medically necessary reasons. STD will pay 100% of base pay for 8 weeks and 75% for weeks 9-26. There is no requirement to enroll in STD, this coverage is provided at no cost to you.

Who administers Long-Term Disability coverage?

Long-Term Disability coverage is provided by Prudential.

What is Long-Term Disability coverage?

Base Long-Term Disability coverage will pay 50% or 60% (if you elected the buy-up coverage option prior to going out on STD) of your benefits base pay up to a maximum of $15,000 per month until you are no longer disabled or turn 65 years of age.

How does the Long-Term Disability Buy-Up Option work?

You can choose to purchase additional Long-Term Disability coverage, called a “buy-up.” If you choose this option, you will receive 60% of your base benefits pay for up to a maximum of $15,000 per month until you are no longer disabled or you turn 65 years of age.

What is benefits base pay?

Benefits base pay is your pay excluding incentive pay, overtime, bonuses and any other form of special compensation.

What is the Critical Illness plan? What does it cover?

Critical Illness Insurance helps with out-of-pocket expenses as a result of covered critical illnesses like:

  • Stroke
  • Heart attack
  • Cancer
  • End-stage renal failure 

The plan pays a lump-sum benefit upon initial diagnosis. You select either $15,000 or $30,000 as your benefit amount and you can use the money any way you wish.

Who administers the Critical Illness plan?

The Critical Illness plan is administered by UnitedHealthcare.

What is the Accident plan? What does the plan cover?

Accident Insurance provides an extra layer of protection to cover your out-of-pocket medical expenses for covered injuries and accident-related expenses for you or your family. The plan pays specified dollar amounts to help cover out-of-pocket expenses related to a wide variety of injuries and accidents like:

  • Hospitalization
  • Doctor's office visits
  • Physical therapy
  • Emergency room
  • Lodging for family

More information can be found in the Benefits Guide.

Who administers the Accident plan?

The Accident plan is administered by UnitedHealthcare.

What is the difference between the Accident plan and AD&D?

Accident coverage pays a benefit for covered injuries that may or may not be serious over the long term. You receive a cash benefit that varies depending on your injury. 

AD&D coverage provides a payment to your beneficiary if you die in a covered accident or a payment to you if the accident results in a covered loss that causes a permanent impairment, such as the loss of a limb.