Working in Kuwait

[Guest benefitsnerd]

I have a call into the carrier for an answer but am curious if anyone has a take on this.

I have a client that is considering sending some employees to Kuwait and possibly Iraq to help service their military related products. Given the situation over there, I need feedback on how a group life & LTD carrier would pay based on the following scenarios.

1. Employee is working with the military and in effort to avoid an act of terrorism or war trips on his/her own feet while running to safety and -

A. Breaks his/her neck and is permanently disabled.

B. Breaks his/her neck and dies as a result of the injury.

2. Employee is riding in a caravan of contract workers when their car runs over a land mind and explodes into flames and -

A. Employee is kidnapped by insurgents and is eventually killed.

B. Employee is severely burned and permanently disabled.

C. Employee survives explosion but while running to safety is accidentally hit by a car and killed.

3. Employee is traveling through a hostile area with the military and is attacked by insurgents. Employee is forced to use a gun to defend himself and -

A. Is shot and killed by insurgents.

B. Is shot and killed by friendly fire.

C. Is shot and is permanently disabled as a result of the injury.

I apologize for the graphic examples, but you never know unless you ask.