Why choose CDHA AD&D insurance?
- Coverage designed for dental hygienists, covering injuries specific to your profession
- Choice of single and family coverage
- Potential work re-entry benefit following an accident
- CDHA offers group rates
You're eligible if you are:
- A CDHA member in good standing;
- Under age 65;
- A Canadian resident
Meet the criteria? You can get AD&D insurance for:
How it works:
- A lump-sum payment is paid if you or your covered family member suffers a serious injury or dies due to an accident.
- The amount is a percentage of the AD&D coverage you’ve selected, based on the loss suffered. More details are in the plan brochure, but the table of losses below shows the percentages we use to determine the payment.
| Table of losses | Amount payable (% of principal sum) |
|---|---|
| Loss of life | 100% |
| Loss of one or both arms or hands | 100% |
| Loss of both feet | 100% |
| Loss of sight of both eyes | 100% |
| Loss of one foot and sight of one eye | 100% |
| Loss of speech and hearing in both ears | 100% |
| Loss of one hand and one foot | 100% |
| Loss of use of one or both hands or arms | 100% |
| Loss of use of both feet or legs | 100% |
| Loss of use of both arms or both legs | 100% |
| Loss of thumb or index finger of either hand | 100% |
| Loss of one leg or one foot or sight of one eye | 75% |
| Loss of use of one leg | 75% |
| Loss of hearing, both ears | 75% |
| Loss of speech | 75% |
| Loss of use of one foot | 75% |
| four fingers on the same hand | 33.33% |
| Loss of four toes on the same foot | 25% |
| Loss of hearing, one ear | 25% |
| Loss of joint between two phalanges or phalange of thumb or index finger of dominant hand | 10% |
| Loss of use of joint between two phalanges or phalange of thumb or index finger of dominant hand | 10% |
| Quadriplegia | 200% |
| Paraplegia | 200% |
| Hemiplegia | 200% |
Here’s how Family AD&D insurance works:
- No dependent children? Your spouse will be insured for 50% of your benefit amount.
- Spouse and 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.
- Dependent children, no spouse? Each dependent child will be insured for 20% of your benefit up to a maximum of $50,000 per child.
How much coverage can you apply for?
- $30,000 to $500,000, in units of $10,000
- If you buy AD&D insurance as a standalone product, there are coverage limits. Coverage can’t be over $200,000, or twice the amount you’ve chosen for your Term life insurance coverage (whichever is greater).
Get a quick online quote
To help you determine your monthly premium, use our easy-to-use free online quote tool.
Exclusions
- Declared or undeclared war, insurrection or rebellion
- Voluntary participation in a riot or act of civil disobedience
- Intentionally self-inflicted injury or suicide, regardless of whether the insured person has a mental illness or intends or understands the consequences of their actions.
- Committing or attempting to commit a criminal offence
- The insured person riding as a passenger in, alighting from, or boarding an aircraft. They could be operating, learning to operate, or serving as a member of a crew of an aircraft. They could be crop dusting, crop spraying, seeding, sky-writing. It also includes racing, testing exploration or any other purpose except transportation.
- Full-time service in the armed forces of any country
More details are in the plan brochure.
LEARN MORE
QUESTIONS?
Call us at 1-800-669-7921
Mon to Fri 8:00 a.m. to 8:00 p.m. ET
Sun Life Assurance Company of Canada is the insurer of this product, and is a member of the Sun Life group of companies.