Optional Accidental Death & Dismemberment

UBC’s Optional Accidental Death & Dismemberment (AD&D) coverage will pay a sum of money (benefit) to a beneficiary if you or your spouse who is also enrolled in the plan are the victim of an accident that results in the loss of life, limb, sight or hearing.

For employees

The Optional AD&D Insurance Plan provides supplemental coverage for your accidental death, or accidental loss of limbs, sight or hearing. This is in addition to your Basic Group Life or Optional Life Insurance through UBC or any other policy you may have.

You are eligible for the Optional AD&D Insurance Plan if you are enrolled in the Optional Life Insurance Plan and the Optional AD&D coverage amount is the same as your Optional Life. The beneficiary of your Optional AD&D is the same as your designation for Optional Life.

For spouses

The Optional AD&D Insurance Plan provides supplemental coverage for your spouse’s accidental death, or accidental loss of limbs, sight or hearing.

Your spouse is eligible for the Optional AD&D Insurance Plan if they are enrolled in the Optional Life Insurance Plan and the Optional AD&D coverage amount is the same as their Optional Life. The beneficiary of your spouse’s Optional AD&D is the same as their designation for Optional Life.

What premiums do I need to pay?

You pay a monthly premium for Optional Life Insurance for coverage for you and/or your spouse. Premiums for Optional AD&D Insurance depend on the amount of coverage for you and/or your spouse and are deducted from your paycheque at the end of each month. Click here for a premiums table.

What is my coverage amount?

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.

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

Loss of Life 100%
Loss of Both Arms or Both Legs 100%
Loss of Both Hands or Both Feet 100%
Loss of Entire Sight of Both Eyes 100%
Loss of One Arm or One Leg 75%
Loss of One Hand or One Foot 50%
Loss of Entire Sight of One Eye 50%
Loss of Thumb & Index Finger (Same Hand) 33-1/3%
Loss of Speech 50%
Loss of Hearing in Both Ears 50%
Loss of Use of Both Arms or Both Legs 100%
Loss of Use of Both Feet or Both Hands 100%
Loss of Use of One Arm or One Leg 75%
Loss of Use of One Hand or One Foot 50%

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

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

How do I apply for AD&D coverage?

You apply for Optional AD&D when you apply for Optional Life Insurance for you and/or your spouse.

When does my coverage begin and end?

Coverage begins when you and/or your spouse’s Optional Life Insurance Plan coverage begins if you have also indicated that you would like AD&D coverage. If you are enrolling for Optional AD&D after your application for Optional Life Insurance was approved, your Optional AD&D Insurance coverage begins on the date UBC Payroll receives your application.

Coverage ends when you and/or your spouse’s Optional Life Insurance Plan coverage ends.

See Benefit Coverage Start and End Dates for more information.

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.

How do I increase or decrease my AD&D coverage?

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

For more information

The outline above is a descriptive summary of the plan and is not a contract. All terms and conditions are governed by Contract Number 050555 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.

You can read the full details of your Optional AD&D Insurance policy in the Sun Life booklet for your employee group: