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Accidental Death & Dismemberment

Payment of Benefit

1. When death or loss occurs because of an accidental injury and within 365 days of the accident date, we will pay the Benefit Amount:
   a) to your beneficiary, for loss of life
   b) to you, for any other loss.
2. Loss of use is covered, but only if such loss is permanent, total, and irrecoverable and has been continuous for 365 days from the date of the accident. In either of the following circumstances we will also consider your loss to be the result of injury:
   a) when, due to an accident, you are unavoidably exposed to the elements and, as a result of this exposure and within 365 days of the date of the accident, you suffer a loss included in the table
   b) when, due to the accidental wrecking, sinking, or disappearance of a conveyance in which you are riding, you disappear and your body is not found within 365 days, we will presume that you lost your life in the accident.
3. The benefit amount will be paid according to the following table. Only one of the amounts, the largest specified, will be paid for all injuries resulting from any one accident. The principal sum (the amount for which you are insured) is shown in the Schedule of Benefits.

Repatriation Benefit

If you die due to an accident that occurs at least 150 kilometres from your normal place of residence, we will pay the actual expenses incurred (excluding the cost of a coffin) for:
1) preparing your remains for burial or cremation and the shipment of your body to the place of burial or cremation, or
2) the actual expense incurred (excluding the cost of a coffin) for burial or cremation at the place of death,
to a maximum of $7,500.

Rehabilitation Benefit

If you suffer a covered loss which requires you to take special training to enable you to work in an occupation for which you were not qualified prior to the loss, we will pay the reasonable and necessary expenses incurred within 3 years of the date of the accident, to a maximum of $5,000. Payment will not be made for travelling or clothing expenses or for room, board, and/or other ordinary living expenses.

Occupational Training Benefit for the Spouse

If you die due to an accident which requires your Spouse to take a formal training program to enable him or her to gain active employment in any occupation in which he or she would not otherwise be qualified, we will pay the reasonable and necessary expenses incurred for such training within 3 years of the date of your death, to a maximum of $5,000. Payment will not be made for travelling or clothing expenses or for room, board, and/or other ordinary living expenses.

Education Benefit

If you die due to an accident, we will pay an education benefit for each Dependent child who enrols full time in a recognized post secondary institution within 365 days of your death. We will pay the necessary and reasonable expenses actually incurred, subject to the lesser of 5% of the principal sum or $5,000 for each year your child continues his or her education on a full time basis, for a maximum of 5 years or until the age of 26, whichever occurs first.

To be eligible for this benefit, your unmarried child (including any stepchild, legally adopted child, or legal ward, but not a foster child) must be financially dependent on you or your Spouse at the time of your death. Payment will not be made for travelling or clothing expenses or for room, board, and/or other ordinary living expenses.

Family Travel Benefit

If you suffer a covered loss and are confined as an inpatient in a hospital, or if you suffer from any illness or injury resulting in hospital confinement for at least 4 days, and the confinement occurs more than 150 kilometres from your normal place of residence, we will pay the reasonable and necessary travelling expenses of one or more family members to visit you. The maximum benefit for all family members is $1,500 for return transportation and commercial accommodation costs combined. If personal transportation is used instead of public transportation, a rate of $0.20 per kilometre will apply.

Waiver of Premium

If your Life Insurance premium is being waived, the premium for this benefit will also be waived.

Exclusions

No payment will be made for any loss that results from or is caused directly or indirectly, wholly or in part by any of the following:

1. self inflicted injury or suicide while sane or insane
2. participation in an assault or criminal offense, or an act incident thereto
3. civil commotion, insurrection, any act of war (whether declared or not) or hostilities between nations, or service in the military forces of any nation
4. travel or flight in or descent from any kind of aircraft as a member of the aircraft crew or having duties relating to the operation, maintenance, or control of the aircraft
5. riding as a passenger, pilot, operator, or member of the crew, in or on, boarding or alighting from or being struck by or making a forced landing with or from any aircraft owned, operated, or leased by the Policyholder
6. while intoxicated with a blood alcohol level of 0.08% or higher, or under the influence of any narcotics unless administered on the advice of a physician.

Claims

In the event of any loss for which this benefit is payable, we must receive notice within 30 days of the date of loss, and a completed claim form along with any required proof within 90 days. However, no payment will be made on any claim submitted later than 1 year from the date of accident.