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Optional Accidental Death & Dismemberment

Employees and their families can opt for extra Accidental Death & Dismemberment (AD&D) coverage, in addition to their Basic Group AD&D insurance benefit through BCCA Employee Benefits. No evidence of insurability is required.

Coverage Amounts:

Available in increments of $25,000, with minimum amount being $25,000 and maximum being $300,000.

Single or family coverage is available. Under the family plan, the amount of insurance which may be applied to members of the employee’s family is a percentage of the principal sum selected for that employee and is based on the composition of the family at the time of loss (of the principal sum, "spouse only” would be 50%, "child only” would be 15% and "spouse/child” would be 40%/10% split).

Eligibility:

All active, permanent full-time employees of the Policyholder, under age 70.

Under the Family Plan, you insure your family members as follows: Your spouse (legally married or represented as your domestic partner for a period of one year or longer in the community in which you reside) who is under age 71, and your eligible unmarried, natural, legitimate, illegitimate, adopted, step-child or common-law child who is in a parent-child relationship with you to age 21 or under age 25, if the child is a full-time student and dependent on you for support and maintenance.

To Apply: 

Employees wishing to apply for this coverage need to complete the ‘ACE BCCA EBT Voluntary AD&D’. The employer should forward the signed, original completed form to the BCCA Employee Benefits office.

When Coverage Begins:

Coverage is effective the date the application form is received in the BCCA Employee Benefits office.

Beneficiary:

The employee can designate their choice of beneficiary and can make changes at any time. You must appoint a Trustee if you select a beneficiary who is less than 18 years of age. The beneficiary for any spousal/child coverage is automatically the employee.

Premiums:

This is optional coverage, so it is 100% employee paid and will be reflected as a deduction to payroll on the effective date, or the day the application form was signed.

Premium Rates (monthly):

Selected Coverage

(Principal Sum)

Employee Only

Family Plan

$25,000

$0.58

$0.88

$50,000

$1.15

$1.76

$75,000

$1.73

$2.63

$100,000

$2.30

$3.51

$125,000

$2.88

$4.39

$150,000

$3.45

$5.27

$175,000

$4.03

$6.14

$200,000

$4.60

$7.02

$225,000

$5.18

$7.90

$250,000

$5.75

$8.78

$275,000

$6.33

$9.65

$300,000 $6.90 $10.53

When Coverage terminates:
Benefit reduces by 50% at age 65. Benefit terminates upon the attainment of age 70 or earlier retirement.
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