Your Business Travel Accident coverage provides additional protection from accidents that may occur while you travel on Federal Reserve business anywhere in the world, including sojourning. Sojourning means taking a side trip for personal reasons during a business trip.

For example, if you are on a two-day business trip to Washington, D.C. and you take a side trip the first night to Baltimore to see a baseball game, you will be covered by the Plan during your side trip, even though it is for personal reasons.

You are protected from the time you leave your home or place of work (whichever is later) until you return home or to work (whichever is earlier).

Business Travel Accident coverage is provided to you automatically as soon as you begin working at the Federal Reserve. The Board pays the entire cost of your Business Travel Accident coverage.