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Optional Accidental Death and Dismemberment Insurance

Underwritten by: Chubb Life Insurance Company of Canada. 

The Accidental Death and Dismemberment (AD&D) insurance included in the core benefit plan provides benefits for losses incurred by the employee's accidental death or serious injury. Optional AD&D coverage enables employees to top up the coverage provided by the core plan. It is available on either a Single basis - insuring only the employee, or on a Family basis insuring the employee, spouse and any dependent children.

The Optional AD&D benefit is available until the employee's age 70. It may be purchased in units of $25,000 to a maximum of $250,000. The amount selected is referred to as the principal sum. If Family coverage is selected, the benefit payable for losses suffered by a spouse or child is a percentage of the employee's principal sum.

Optional AD&D provides coverage 7 days a week, 365 days a year for accidents that occur either on or off the job. An accidental death benefit of 100% of the principal sum is payable to the beneficiary if the employee's death is the result of an accident. A dismemberment benefit is payable to the employee if one of the covered losses are suffered as a result of accidental injury. The dismemberment benefit is a percentage of the accidental death benefit and is dependent upon the type of loss suffered. The covered losses include, but are not limited to paraplegia, quadriplegia, loss or loss of use of limbs, and loss of hearing, speech or sight.

If Optional AD&D terminates prior to age 70, it may be converted to individual insurance without evidence of insurability. You may convert up to the amount of the Optional AD&D coverage, to a maximum of $200,000. Conversion must be applied for within 31 days of termination of the Optional AD&D benefit.

Rates may be viewed by clicking on the link below.

Click here to calculate the Optional AD&D Rates

Click here to view the Optional AD&D Brochure

Click here to print the Optional AD&D Enrolment Form