AD&D insurance helps you and your finances

Instantly, an accident can affect your life. That can mean a lot more to cope with. You or your family don’t need the 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 CAPIC?

• Savings on the insurance you need, thanks to group pricing

Extra advantages

• Coverage for return to home: If you lose your life in another country, up to $2,000 is payable for actual expenses incurred in preparing the deceased for burial or cremation and shipment of the body to the place of burial if it’s in a country other than where death occurred
• Waiver of premium: if you’re totally disabled¹ while covered before age 65², your coverage continues. You don’t pay premiums as long as you’re totally disabled

You're eligible if you meet all the criteria below:

• A CAPIC member in good standing or an employee of CAPIC
• Actively working at least 30 hours a week
• Between the ages of 18 and 64 (coverage ends on your 65th birthday)
• Approved for life insurance under the CAPIC insurance program
• A resident of Canada

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

• You
• Your spouse³

What's the cost?

Our rate sheets can provide you with a quick estimate.

How much coverage can you apply for?

• From $50,000 to $250,000 (in units of $25,000)
• Your coverage amount must be less than or equal to your life insurance coverage amount

How it works:

• A lump-sum payment is paid if you or your covered spouse suffers a serious injury or dies due to an accident. This occurs upon approval of claim.
• The amount is a percentage of the AD&D coverage you’ve selected, based on the loss suffered. The table below shows the percentages used to determine payment

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

Take these three steps to apply:

Exclusions:

We will not pay for losses that result from one or more of the following actions:

• Self-inflicted injuries, by firearm or otherwise
• A drug overdose
• Carbon monoxide inhalation
• Attempted suicide or suicide, regardless of whether the person has a mental illness or intends or understands the consequences of their actions
• Flying in an aircraft, descending from an aircraft 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

• The 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