Help for recovering and rebuilding

Accidents happen suddenly. In an instant there’s a lot more to cope with. You or your family shouldn’t have extra financial worries. Accidental death and dismemberment (AD&D) insurance can help relieve the financial burden while you or your family recovers or rebuilds.

Why choose AD&D insurance offered through your association?

• Choice of single and family coverage
• Savings on the insurance you need, thanks to group pricing

Extra advantages

• Occupational training for your spouse: If you die as a direct result of an accident, your spouse will receive financial help for training for a job they were not previously qualified for
• Coverage for return to home: If you die from an accident 100 km or more from home, there’s a payment of up to $10,000 for the cost of preparing and transporting your body home for burial or cremation
• Additional coverage to adapt your home or vehicle: If you suffer the loss of use, or loss of, both feet or both legs, or suffer from hemiplegia, quadriplegia or paraplegia as a direct result of an accident, and are confined in a wheelchair, there’s an additional 10% payment (up to $10,000) to make your residence and/or vehicle wheelchair accessible
• Waiver of premium: if you’re totally disabled¹ while covered before age 65², your coverage continues, but you don’t have to pay the premiums as long as you remain totally disabled
• Seat belt benefit: If you die from a car accident, there’s an additional 10% payment if the accident report indicates your seat belt was properly fastened

You're eligible if you are:

• A member in good standing with your association, working at least 25 hours a week
• Between the ages of 18 and 59 (coverage ends on member’s 70th birthday)
• A resident of Canada
• Covered under the association's life insurance

Meet the criteria? You can get AD&D insurance for:

• You
• You + your spouse³ + your children⁴

What's the cost?

Our rate sheets can provide you with a quick estimate.

How much coverage can you apply for?

• $25,000 to $250,000, in units of $25,000
• Your AD&D coverage amount cannot exceed your life coverage amount

How it works:

• A lump-sum payment is made, upon approval of your claim, if you or your covered family member suffers a serious injury or dies due to an accident.
• The amount is a percentage of the AD&D coverage you’ve selected, based on the loss suffered. More details are in the plan brochure, but the table of losses below shows the percentages we use to determine the payment.

Here’s how family AD&D insurance works:

• No dependant children? Your spouse will be insured for 50% of your benefit amount.
• Have a spouse and dependant children? Your spouse will be insured for 40% of your benefit and each dependant child, regardless of the number, will be insured for 10% of your benefit, to a maximum of $50,000 per child.
• Have dependant children, but no spouse? Each dependant child will be insured for 20% of your benefit up to a maximum of $50,000 per child.

There are plan restrictions and limitations. Find out more in your plan brochure.

Take these three steps to apply:

Exclusions:

• Self-inflicted injury regardless of whether you have the ability to form the requisite intent or regardless of whether you have a mental illness such that you do not know or understand the consequences of your actions
• Drug overdose
• Carbon monoxide inhalation
• Flying in, descending from or being exposed to any hazard related to an aircraft while:
  1. Receiving flying lessons;
  2. Performing any duties in connection with the aircraft;
  3. Being flown for a parachute jump or;
  4. A member of the armed forces if the aircraft is under the control of or chartered by the armed forces.

• Hostile action of any armed forces, insurrection or participation in a riot or civil commotion
• Full-time service in the armed forces of any country
• Participation in a criminal offence