Optional Accidental Death and Dismemberment Insurance Plan

The Optional Accidental Death and Dismemberment (AD&D) Insurance Plan provides benefits for accidental death, or accidental loss of limbs, sight or hearing. This is in addition to your Basic Group Life Insurance, or any other policy you may have and is also available to your spouse, however, it does not cover dependent children.

The Optional AD&D Insurance plan will not pay benefits for all types of death and dismemberment. Some exclusions include suicide or attempted suicide, or as a result of hostile armed forces actions.

When coverage begins: when you and/or your spouse’s optional life insurance coverage begins, if you also elected AD&D coverage.

When coverage ends: when you and/or your spouse’s optional life insurance coverage ends.

See “Conversion” for information on converting to an individual policy when coverage ends.

Important Note: This outline is a descriptive outline of the plan only; it is not a contract. All terms and conditions are governed by Contract Number 50555-G-Part B with Sun Life Assurance Company of Canada. In the event of a discrepancy, benefits will be paid according to the official document and applicable legislation.

Important forms

Eligibility

You are eligible to enroll in the Optional AD&D Insurance plan if you are enrolled in the Optional Life Insurance plan. 

Spouse’s of Faculty and Management & Professional Staff are eligible to enroll in the Optional AD&D Insurance plan if he/she is enrolled in the Optional Life Insurance plan.  Spouse’s of other staff members are not eligible for Optional AD&D Insurance.

Amount of Coverage

Your level of coverage under the Optional AD&D Insurance plan is equal to the amount of coverage you have under the Optional Life Insurance plan.

Your Optional AD&D Insurance becomes effective on the same day as your Optional Life Insurance coverage. If you are enrolling for Optional AD&D after your application for Optional Life was approved, your Optional AD&D coverage begins on the date Sun Life approves it.

If injuries result in death or dismemberment within 365 days after an accident, the following percentage of your total coverage will be payable:

The benefit paid for losses from any one accident will not exceed the amount of your total coverage.

Premiums

Premiums for Optional AD&D Insurance depend on your age and the amount of insurance you carry. Click here for a premiums table. Monthly premiums are based on your level of coverage, and are deducted from your paycheque at the end of each month.

Exclusions and Limitations

Benefits will NOT be paid for death or dismemberment caused by:

• suicide or attempted suicide (while sane or insane);
• self-inflicted injury by firearm or otherwise (while sane or insane);
• drug overdose;
• carbon monoxide inhalation;
• flying in, descending from, or being exposed to any hazard incident with any kind of aircraft, if you:
  • were receiving aeronautical instruction;
  • had any duties to perform in connection with the aircraft;
  • were being flown for a parachute descent, or;
  • were a member of any armed forces and the aircraft was under the control or charter of the forces; or,
• the hostile action of any armed forces.

Changes to Coverage

If you apply to increase, decrease or cancel Optional Life Insurance coverage for you and/or your spouse, this change will be reflected in the Optional AD&D coverage. The level of Optional AD&D coverage cannot be changed without also changing the Optional Life coverage by the same amount.

Conversion

With the Optional Life Insurance plan, you have 31 days after you and/or your spouse’s coverage ends to convert to an individual policy. You may also add an AD&D rider to this individual policy to maintain your AD&D coverage.

Contact Sun Life at 1.800.786.5433 for more information or for how to apply.