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Accidental death and dismemberment insurance

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.
Table of losses Amount payable (% of principal sum)
Quadriplegia or paraplegia or hemiplegia 200%
Loss of life 100%
Loss of  
Both arms or both legs 100%
Both hands or both feet 100%
Entire sight of both eyes 100%
Speech and hearing in both ears 100%
One hand and one foot 100%
One hand or one foot, and entire sight of one eye 100%
One arm or one leg 75%
One hand or one foot 75%
Entire sight of one eye 75%
Speech 75%
Hearing in both ears 75%
Thumb and index finger on same hand 33.33%
Four fingers on same hand 33.33%
Hearing in one ear 25%
Four toes on same foot 25%
Loss of use of  
Both arms or both legs 100%
Both hands or both feet 100%
One arm or one leg 75%
One hand or one foot 75%

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:

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Fill it out

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Mail it in

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

Questions?

Call us at 1-877-363-2773
Mon to Fri 8 a.m. to 8 p.m. ET

1. Total disability: You are considered totally disabled if you are prevented by illness from performing any occupation you are or may become reasonably qualified for by education, training or experience.

2. If you’re totally disabled for a full 90 days before age 65 and receiving LTD benefits, you don’t have to pay AD&D premiums as long as you remain totally disabled.

3. Spouse: Your spouse by marriage or under any other formal union recognized by law; or a person of the opposite sex or of the same sex who is publicly represented as your spouse for a period of at least 12 months. You can only cover one spouse at a time. Discontinuance of cohabitation terminates the eligibility of a common-law spouse. You must also have coverage in order to obtain spouse coverage.

4. Dependant children: Your children who are not married or in any other formal union recognized by law, dependant on you or your spouse for support, and are under the age of 21 (age 25 if the dependant is a full-time student – age 26 in Quebec), including adopted children and stepchildren, or children of any age if incapable of supporting themselves because of physical or mental disability.