Accidental Death and Dismemberment (AD&D) Insurance

The Life Insurance Plan offers two types of AD&D Insurance:

  • Employee Life AD&D Insurance
  • Family (Dependant) AD&D Insurance.

Employee Life AD&D Insurance

You are automatically provided with AD&D coverage equal to the Basic Life Insurance and Optional Life Insurance units you select, to a maximum of five units (one Basic plus four Optional units). This coverage is provided at no additional cost to you. The maximum AD&D benefit payable (both Basic and Optional units combined) under this coverage is $1,000,000. The maximum benefit for the total of Employee Life Insurance with matching AD&D coverage is $2,000,000.

Employee Life AD&D Insurance covers you in the event of your accidental death, loss of a specified body part, or loss of use of a specified body part due to an accident.

Employee Life AD&D Insurance benefits are paid to:

  • Your beneficiary, if death is due to an accident, or
  • You, if you suffer loss of a specified body part or loss of use of a specified
    body part due to an accident.

Note: Optional Life Insurance may be subject to Evidence of Insurability requirements (please refer to the Evidence of Insurability page in the Administrative Processes section). 

Family (Dependant) AD&D Insurance

Family (Dependant) AD&D coverage is automatically provided with Family (Dependant) Life Insurance, and is equal to the amount of Family (Dependant) Life Insurance in effect at the date of accidental death, loss of a specified body part, or loss of use of a specified body part due to an accident.

The insurance is paid to you upon accidental death or injury of your spouse/common-law partner or eligible dependant children.

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