Table of losses

Sun Life Assurance Company of Canada will pay for this benefit if you:

  • accidentally drown.
  • disappear in an accident while travelling. This only applies if the means of transportation disappears, sinks, is wrecked, forced to land or stranded and the body is not found within one year. There must be no evidence that you are still alive.
  • are in an accident or exposed to the elements and, as a direct result, you suffer one of the losses listed below within one year of that accident or exposure.


The amount that is paid is a percentage of the Accidental Death and Dismemberment coverage. The percentage depends on the loss suffered. The following table shows the percentages we use to determine the payment.

Loss of life 100%
Loss of both arms or both legs 100%
Loss of both hands or both feet 100%
Loss of one hand and one foot 100%
Loss of one hand or one foot, and entire sight of one eye 100%

Loss of one arm or one leg 75%
Loss of one hand or one foot 75%
Loss of four fingers on the same hand 33 1/3%
Loss of thumb and index finger on the same hand 33 1/3%
Loss of four toes on the same foot 25%

Loss of use of both arms or both legs 100%
Loss of use of both hands or both feet 100%

Loss of use of one arm or one leg 75%
Loss of use of one hand or one foot 75%

Loss of entire sight of both eyes 100%
Loss of speech and loss of hearing in both ears 100%

Loss of entire sight of one eye 75%
Loss of speech 75%
Loss of hearing in both ears 75%
Loss of hearing in one ear 25%

Quadriplegia 200%
Paraplegia 200%
Hemiplegia 200%

Limit on benefit amounts

If more than one person covered by the group contract is eligible for benefits resulting from the same accident, Sun Life will pay up to a maximum of $1,000,000 for all claims related to the accident.

If the total amount of benefits payable for the accident is more than $1,000,000, then we will pay for each person a percentage of the $1,000,000 that is equal to the percentage the person would have received of the total payable.

This website is intended only as an outline of the insurance policy. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the group insurance policy issued by Sun Life Assurance Company of Canada.