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​Business Travel Accidental Death and Dismemberment Insurance


If you are an active employee under age 75, live in Canada and lose your life while travelling on NAV CANADA business your beneficiary would receive the following benefit:

Active Employee
4 times adjusted insurable earnings (to a maximum of $500,000)

If your spouse, under age 75, or one of your dependent children loses their life in a covered accident during a relocation or related house-hunting trip, you would receive the following benefit:

​Spouse ​$100,000
​Child ​$10,000
The Business Travel Accidental Death and Dismemberment Insurance Plan pays benefits if you suffer a permanent injury as a result of an accident that happens during the first 60 days of travel and stopover while on NAV CANADA business, away from NAV CANADA premises. It also includes coverage:
  • while a passenger, pilot or crew member, riding in, boarding or alighting from an aircraft,
  • while making a parachute jump from an aircraft for the purpose of self-preservation, or
  • if you are struck by an aircraft.

The amount payable for loss or loss of use is a percentage of that payable in the event of death. This percentage varies depending on the injury’s severity. 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. 

Read what exclusions apply to this coverage.

​Injury/Loss Percentage of amount payable
Quadriplegia (total and irreversible paralysis of all 4 limbs) 200%​
​​Paraplegia (total and irreversible paralysis of both lower limbs) 200%​
​Hemiplegia (total and irreversible paralysis of one arm and one leg on the same side of the body) 200%​
Loss of both hands or both feet 100%​
​Loss of entire sight of both eyes ​100%
​​Loss of one hand and one foot ​100%​
​​Loss of one hand, and entire sight of one eye ​100%
​Loss of one foot, and entire sight of one eye. ​100%
​Loss of speech and hearing 100%
Loss of use of both arms or both hands ​100%
​Loss of one arm or one leg 75%
Loss of use of one arm or one leg 75%
Loss of one hand or one foot 66 2/3%
Loss of entire sight of one eye 66 2/3%
Loss of use of one hand 66 2/3%
Loss of speech or hearing 66 2/3%
Loss of thumb and index finger of the same hand 33 1/3%
Loss of four fingers of the same hand 33 1/3%
​Loss of hearing in one ear 25%
​Loss of all toes on the same foot 12 1/2%
Only the largest benefit is paid for injuries resulting from one accident.
 
The following additional benefits may be paid from the Business Travel Accidental Death and Dismemberment Insurance Plan.
 
Emergency Evacuation Benefit
If injury or sickness commencing during the course of a trip results in the necessary emergency evacuation of an insured person, the plan will pay benefits for covered expenses (transportation, medical services and medical supplies incurred with the emergency evacuation) incurred by up to 10% of the amount payable in the event of death. An emergency evacuation must be ordered by a legally licensed physician who certifies that the severity of the injury or sickness warrants the emergency evacuation.
 
Emergency evacuation means:
  • the medical condition warrants immediate transportation to the nearest hospital where appropriate medical treatment can be obtained; or
  • after being treated at a local hospital, the medical condition warrants transportation to the place where the insured person resides (provided this residence is located in Canada or the United States) to obtain further medical treatment or to recover; or
  • both of the above.
 
All transportation arrangements must be by the most direct and economical route.
Home and Vehicle Modification
If a person receives benefits for a covered loss or loss of use that requires permanent use of a wheelchair, the plan will pay up to $10,000 for one-time modifications to:
  • the person’s principal residence, to make it wheelchair-accessible and habitable, and
  • the person’s vehicle, to make it accessible or drivable, when such modifications are required by the vehicle licensing authorities,
provided that:
  • home modifications are done by an experienced contractor recommended by a recognized wheelchair support organization, and
  • vehicle modifications are carried out by an experienced provider and approved by provincial licensing authorities.
Seat Belt Benefit
If a person receives benefits for a covered loss or loss of use, the amount will be increased by 10% if the person was driving or riding in a motor vehicle, wearing a properly fastened seat belt (as evidenced in a police report).
 
Family Transportation under the Business Travel Benefit
If you, your spouse, or child sustains a covered injury and is confined to a hospital more than 150 kilometers from home, the plan pays reasonable and customary charges to bring a member of your immediate family (that is, your legal or common-law spouse, parents, grandparents, children over age 18, brother, or sister) by the most direct route by licensed common carrier to be with the person. The attending physician must recommend this visit in writing. The maximum payable is $10,000.
 
Special Education Benefit

If an employee suffers loss of life in a covered accident the play will pay up to a maximum of $5,ooo per year on behalf of any dependent child who, on the date of the accident, in enrolled as a full-time student in a post-secondary institution or was in their final year of secondary education and enroll as a full-time student in a post-secondary institution within 365 days following the date of the accident.

This benefit is payable annually for a maximum of four consecutive annual payments as long as the dependent child continues his/her education as a full-time student in a post-secondary institution.

If, at the time of the accident, none of the dependent children qualify, the plan will pay an additional benefit of $2,500 to the designated beneficiary.

Published on February 12, 2016