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Accidental Coverage

Accidental Death and Dismemberment (AD&D) is a core benefit and is an important component of any employee benefit plan.

AD&D Insurance acts as an added form of protection should an employee suffer a severe accident causing death or a specific loss as identified in the loss schedule described below.

Typical AD&D plan designs include:

  • Coverage for AD&D Insurance is available to match the level of the Core Life Insurance
  • Coverage terminates at the earlier of age 70 or retirement

Loss Schedule

AD&D benefits are payable in addition to Life Insurance should an accident result in death. Covered losses are as follows:

Loss of: Benefit Payable
Loss of life 100%
Loss of or loss of use of both hands or both feet 100%
Loss of or loss of use of one hand and one foot 100%
Loss of the entire sight of both eyes 100%
Loss of speech and hearing 100%
Loss of or loss of use of one arm or one leg 75%
Loss of or loss of use of one hand or one foot 66 2/3%
Loss of the entire sight of one eye 66 2/3%
Loss of speech or hearing in both ears 50%
Loss of thumb and index finger on the same hand 33 1/3%
Loss of hearing in one ear 16 2/3%
Quadriplegia 200%
Paraplegia 200%
Hemiplegia 200%

To get a quote or to find out more information, please contact us at:
1 800 665 1077
604 683 7353

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The government of Manitoba has announced a reduction of the retail sales tax (RST) from 8% to 7% effective July 1, 2019. If you have employees who live and work in Manitoba, you will notice a reduction in taxes charged for these individuals on your July 1, 2019 bill.


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