- Up to two times Basic Life Insurance (four times if paralysis)
- Maximum benefit $850,000
- In addition to a full schedule of losses, the AD&D benefit includes:
|
Benefits |
Description |
Maximum |
|
Repatriation Benefit |
Pays the actual expense incurred for preparing the deceased for burial or cremation and the shipment of the body of the insured to the city of residence. |
$15,000.00 |
|
Rehabilitation Benefit |
If special training is required because of an injury, payment will be made within 365 days of the accident. |
$15,000.00 |
|
Family Transportation |
Pays the cost of transporting a family member to where the insured is hospitalized. |
$15,000.00 |
|
Occupational Training Benefit |
Pays expenses incurred for retraining of spouse who was not employed full-time at the time of the insured's death. |
$15,000.00 |
|
Special Education Benefits |
Upon the death of an insured, payment will be made for dependent children in a school for higher learning (university, private college, CEGEP, or trade school). |
$ 5,000.00 |
|
Home Alteration and Vehicle Modification Benefit |
Will pay, within three years of an accident, the cost of alterations to a principal residence and/or modifications on a motor vehicle for the purpose of making them wheelchair accessible. |
$15,000.00 |
| Day Care Benefit | Upon the death of an insured a benefit will be paid for the dependent children enrolled in a licensed Day Care Centre. | $5,000/yr
for 4 years |
| Seat Belt Benefit | If an insured person sustains an injury resulting in a payment from the 'Schedule of Losses' the principal sum amount will be increased by 10% if the insured was wearing a seat belt at the time of the accident. | |
| Critical Illness Benefit | If the insured person is diagnosed with cancer, stroke, heart attack or kidney failure and survives at least 30 days, a lump sum payment will be made. | $10,000 |
| Continuation of Coverage |
Insurance can be continued during leave of absence, sickness, maternity leave or lay-off period. |
|
| Waiver of Premium | If an insured person has been approved for long term disablity, payment of premium will be waived. | |
|
Conversion Option |
Within 31 days of termination, application can be made to convert to an individual accident insurance plan with no evidence of insurability required. |