No benefit will be paid for any loss, fatal or non-fatal, caused or contributed to by:

1. self-inflicted injuries, suicide or attempted suicide, whether the Insured Person was sane or insane;
2. war whether declared or undeclared, and whether or not the Insured Person was actually participating therein;
3. civil commotion, riot, insurrection, armed conflict if the Insured Person was participating therein;
4. the Insured Person’s service, whether as a combatant or noncombatant, in the armed forces of any country;
5. the Insured Person riding as a passenger or otherwise in any vehicle or device for aerial navigation, other than as provided in the section of this booklet entitled “Aircraft Coverage”;
6. medical treatment or surgery on the Insured Person, except if the medical treatment or surgery was needed because of an Accident.

To make a claim, the insured or insured’s beneficiary should notify the Plan Administrator, Johnson Inc., immediately after an accident. The Plan Administrator, Johnson Inc., must provide written notice of claim to the underwriter within thirty (30) days from the date of the accident and written proof of loss must be submitted to the underwriter within ninety (90) days after the date of such loss. Failure to submit such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible; but in no event later than one (1) year after the date of accident.

In the event of accidental death, the Accidental Death benefit shall be payable to the beneficiary or beneficiaries designated by the insured on the most recent enrollment form under this policy. If there is no such beneficiary designation, the benefit shall be payable to the beneficiary or beneficiaries designated under the Basic Group Life Insurance. In the event that there is no beneficiary designation under this policy and the NLTA Group Insurance Program Basic Group Life policy, the Accidental Death benefit shall be payable to the estate. All other benefits payable other than “Education Benefit” and “Day-Care Benefit” are payable to the insured.

In the event your coverage is terminated because:

1. you cease to be an active person of the Policyholder on account of resignation, dismissal, retirement or failure to return to work for the Policyholder following a period of total disability; or
2. you cease to be an eligible person under the Policy.

The benefits provided will be set out in a Specific Loss Accident Indemnity schedule available from the Insurer at the time of conversion, and the amount of insurance that may be converted will not exceed the lesser of:

1. the amount of insurance then in effect on the date of termination; or
2. a total aggregate amount of five hundred thousand dollars ($500,000) for all such conversions by any insured person. Premiums for such an individual accident policy being issued in compliance with the aforementioned condition will be calculated at the Insurer’s rates then in force for your attained age at the date of conversion.

Premiums will be payable annually in advance and the accident policy will be issued on an annually renewable basis.

Insurance for the Insured Person will cease on the earliest of the following events:

1. Termination of employment, other than retirement under the provisions of the eligibility guidelines.
2. On the date of death.
3. On the day the Insured Person enters the armed forces of any country on a full-time basis.
4. Termination of policy on eligibility of coverage or termination of eligibility of dependent spouse or child.
5. On the date the Insured Person no longer pays the required premium towards the cost of insurance, where applicable.
6. On the date the Insured Person reaches age 75.
7. For substitute teachers, on November 30th of the following school year if, during the preceding three months, the substitute teacher has not taught at least one day, and has not taught at least 10 days in the previous school year.
8. For private school teachers, coverage terminates upon termination of the teaching contract.