Accidental Death and Dismemberment (AD&D) Insurance

You can’t foresee the occurrence of an accident. In the event of an accident that results in injury or death, an AD&D Insurance plan is with you all the way. It can provide financial compensation to help you and your family cope with the consequences of your injury or death.

Definitions and exclusions

Detailed features:

Coverage available for: You and your family.
You can apply for coverage if you are: Under 61-years-old
An Association member working a minimum of 25 hours a week
Residing in Canada
Covered under the Association's Life Insurance plan
Benefit amount:

Coverage is available in units of $25,000 with a minimum of $25,000 and a maximum of $250,000.

When you select family coverage your family will become insured as follows:

  • If you do not have dependent children, your spouse will be insured for 50% of the benefit you have selected for yourself.
  • If you and your spouse have dependent children, your spouse will be insured for 40% of your benefit and each dependent child, regardless of the number, will be insured for 10% of your benefit, to a maximum of $50,000 per child.
  • If you do not have a spouse, each dependent child will be insured for 20% of your benefit up to a maximum of $50,000 per child.
Benefit Payable: For details see the Table of Losses.
Your coverage ends: To learn when your coverage ends click here.
Coverage limitations: Please refer to Definitions and exclusions.
Rates: Please refer to the Rate Card.

Key features

Spouse occupational training benefit
If you die as a direct result of an accident, Sun Life Assurance Company of Canada will pay up to $3,000 to your spouse for occupational training for a job that your spouse was not previously qualified for.

Repatriation benefit
If you die as a direct result of an accident 100 kilometres or more from home, your coverage will pay up to $10,000 for the preparation and transportation of your body for burial or cremation.

Seat belt benefit
If you die as a direct result of driving or riding in a motorized vehicle, Sun Life Assurance Company of Canada will pay an additional 10% of the amount of coverage. The seat belt must have been properly fastened at the time of the accident and be certified in the official accident report.

Home and vehicle adaptation benefit
If you suffer the loss of use, or loss of, both feet or both legs or suffers from hemiplegia, quadriplegia or paraplegia, Sun Life Assurance Company of Canada will pay an additional 10% of the amount of coverage up to $10,000 for the usual and reasonable cost of adaptations required to your residence or vehicle to allow for wheel chair accessibility.

Waiver of premium
If you are under the age of 65 you will not pay premiums if you are totally disabled for 90 days or more and you’re receiving long term disability benefits.

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.