Illness and Injury

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​Dependent Insurance


If you have coverage under the Dependant Insurance Plan (as part of the Management Insurance Plan) and your spouse or child is injured in a covered accident, the same percentages for loss or loss of use are payable, based on a death benefit of $5,000 for your spouse and $2,500 for each dependent child (reducing to $1,250 on the first of the month following your 65th birthday. This reduction does not apply to DIR 1 employees).

Read what exclusions apply to this 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%

 

Published on February 01, 2016