Illness and Injury

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​Accidental Death and Dismemberment Insurance

If you have coverage under the Accidental Death and Dismemberment Insurance Plan (as part of the Management Insurance Plan) and your permanent injury results from a covered accident, the amount payable for loss or loss of use is a percentage of that payable in the event of death.
 
​Level ​Amount of Coverage
Senior Managers ​$250,000
​Other Full-time Management Employees ​Units of $25,000, up to $250,000
This percentage varies depending on the injury and/or loss. Benefits are also payable if you suffer a covered loss or loss of use because you were exposed to the elements following a covered accident.
 
If you are permanently injured, you may be eligible for Disability Income Security Program and Long Term Disability Insurance benefits.
 
Read what exclusions apply to this coverage.
 
Sun Life Financial will pay the percentage, shown in the following table, of the person's amount of Accidental Death and Dismemberment coverage:
 
​Injury/Loss Percentage of amount payable
Loss of Life​ ​100%
​Loss of both arms or both legs ​100%
Loss of both hands or both feet ​100%
Loss of one hand and one foot ​100%
​Loss of one hand or one foot, and entire sight of one eye ​100%
​Loss of one arm or one leg ​75%
​Loss of one hand or one foot ​75%
​Loss of four fingers on the same hand ​33 1/3%
​Loss of thumb and index finger on the same hand ​33 1/3%
​Loss of four toes on the same foot ​25%
​Loss of use of both arms or both legs ​100%
​Loss of use of both hands or both feet ​100%
​Loss of use of one arm or one leg ​75%
​Loss of use of one hand or one foot ​75%
​Loss of entire sight of both eyes ​100%
​Loss of speech and loss of hearing in both ears ​100%
​Loss of entire sight of one eye ​75%
​Loss of speech ​75%
​Loss of hearing in both ears ​75%
​Loss of hearing in one ear ​25%
​Quadriplegia ​200%
​Paraplegia ​200%
​Hemiplegia ​200%

Only the largest percentage is paid for injuries to the same limb resulting from the same accident. Sun Life Financial will not pay more than 100% of the amount of coverage if the person suffers from more than one of the losses in the same accident. This does not include quadriplegia, paraplegia or hemiplegia, where Sun Life Financial will pay a maximum of 200%.

Loss of an arm means that it was severed at or above the elbow. Loss of a hand means that it was severed at or above the wrist. Loss of a leg means that it was severed at or above the knee. Loss of a foot means that it was severed at or above the ankle. Loss of a thumb, finger or toes means that it was severed at or above the first joint from the hand or the foot. Loss of sight, speech or hearing must be total and permanent.

Loss of use must be total and must have continued for at least one year. Before Sun Life Financial pays the benefit, the employee must provide proof that the loss is permanent.

The following additional benefits may be paid from the Accidental Death and Dismemberment Insurance Plan in the event of loss or loss of use:

Family Transportation Benefit

If you suffer a loss as the direct result of an accident and are hospitalized at least 150 kilometres from home, Sun Life will pay up to $5,000 for the usual and reasonable cost of hotel accommodations close to the hospital while you are hospitalized and for the travel expenses of an immediate family member. An immediate family member means a spouse, parent, child, brother or sister. Sun Life will pay for car travel at a rate of $0.20 per kilometre. Transportation must be by the most direct route to and from the hospital.

Claims will not be paid if they are eligible for reimbursement from other sources or another benefit of this contract.

Only reasonable and customary expenses will be reimbursed.
 
Rehabilitation Program

If you suffer a loss as the direct result of an accident Sun Life will pay to $10,000 of your rehabilitation expenses. Ordinary living expenses such as room, board, travelling or clothing will not be reimbursed.

All expenses must be incurred within three years of the date of the accident and while you are covered for this benefit. Sun Life must approve the rehabilitation program, which will be based on the likelihood that it will be successful. The rehabilitation program will be made up of training required, because of the loss, to prepare you for a new occupation.

Claims will not be paid if they are eligible for reimbursement from other sources or another benefit of this contract.

Only reasonable and customary expenses connected with a rehabilitation program will be reimbursed.
 
Home/Vehicle Modification Benefit
If you suffer a loss as the direct result of an accident and are confined to a wheelchair, Sun Life will pay up to $10,000 for:
  • one time modifications to your principal residence to make it wheelchair accessible and habitable, and
  • one time modifications to your motor vehicle to make the vehicle accessible or driveable.
All expenses must be incurred within one year of the date of the accident and must be approved by Sun Life.

Claims will not be paid if they are eligible for reimbursement from other sources or another benefit of this contract.

Only reasonable and customary expenses will be reimbursed.
Published on February 01, 2016