• Loss of life ................................................................................... 100%
• Loss of both arms or both legs .................................................... 100%
• Loss of both hands or both feet .................................................. 100%
• Loss of the entire sight of both eyes ........................................... 100%
• Loss of one hand and one foot .................................................... 100%
• Loss of one hand and the entire sight of one eye ....................... 100%
• Loss of one foot and the entire sight of one eye ......................... 100%
• Loss of one arm or one leg ............................................................ 80%
• Loss of one hand or one foot ....................................................... 75%
• Loss of the entire sight of one eye ................................................ 75%
• Loss of thumb and index finger of the same hand .................. 33 1/3%
• Loss of speech and hearing in both ears ..................................... 100%
• Loss of speech or hearing in both ears ......................................... 75%
• Loss of hearing in one ear ...................................................... 66 2/3%
• Loss of four fingers of one hand ............................................. 66 2/3%
• Loss of all toes of one foot ........................................................... 25%
• Loss of use
• Loss of use of both arms, or both hands or both feet ................. 100%
• Loss of use of one hand or one foot ............................................. 75%
• Loss of use of one arm or one leg ................................................ 80%
• Paralysis
• Quadriplegia (total paralysis of both upper
• and lower limbs ....................... 200% up to a maximum of $1,000,000
• Paraplegia (total paralysis of
• both lower limbs) .................... 200% up to a maximum of $1,000,000
• Hemiplegia (total paralysis of upper and lower limbs of one side of the body) .. 200% up to a maximum of $1,000,000

BENEFITS SUMMARY

• 1. Day Care benefit following your accidental death for dependent children under age 13  - 5% of principal sum to $5,000 – payable annually up to 4 yrs Dependent Children Education benefit following your accidental death for children under 21 or 26 if full-time student 5% of principal sum to $5,000 – payable annually up to 4 yrs
• 2. Funeral Expenses benefit for cremation or burial or funeral Up to $5,000 Grief Counselling benefit for spouse and/or dependent children Up to $1,000 within 1 yr
• 3. Home Alteration and Vehicle Modifications benefit if wheelchair is required to be ambulatory 
• 4. Up to $15,000 Identification benefit for immediate family member’s travelling expenses At minimum 150 km – Airfare up to $5,000 Private vehicle to $500 - Meals and accommodation to $250/day – maximum 3 days, 
• 5. In-Hospital benefit for more than 5 days 1% of principal sum to $2,500/month up to 12 months, Psychological Therapy benefit following a loss Up to $5,000 – within 1 yr
• 6. Rehabilitation benefit for Employee/Member ‘s retraining Up to $15,000 – within 12 months, Repatriation of Remains benefit At minimum 100 km - up to $15,000, Seat Belt benefit  10% of principal sum to $50,000
• 7. Spousal Occupational Training benefit Up to $15,000 within 30 months
• 8. Transportation to Bedside benefit At minimum 100 km, up to $15,000 –- Private vehicle to $500 - Meals and accommodation to $250/day – maximum 7 days Continuation of Coverage Maximum 12 months
• 9. Conversion Privilege Within 90 days 
• 10. Waiver of Premium Up to age 65 while on disability

INDIVIDUAL AD&D BENEFITS SUMMARY

• Loss of life .....................................................................................100%
• Loss of both arms or both legs ........................................................100%
• Loss of both hands or both feet .......................................................100%
• Loss of the entire sight of both eyes .................................................100%
• Loss of one hand and one foot .........................................................100%
• Loss of one hand and the entire sight of one eye.................................100%
• Loss of one foot and the entire sight of one eye .................................100%
• Loss of one arm or one leg................................................................80%
• Loss of one hand or one foot.............................................................75%
• Loss of the entire sight of one eye......................................................75%
• Loss of thumb and index finger of the same hand.................................33 1/3%
• Loss of speech and hearing in both ears..............................................100%
• Loss of speech or hearing in both ears ...............................................75%
• Loss of hearing in one ear..................................................................66 2/3%
• Loss of four fingers of one hand .........................................................66 2/3%
• Loss of all toes of one foot.................................................................25%

Loss of use

• Loss of use of both arms, or both hands or both feet...........................100%
• Loss of use of one hand or one foot ...................................................75%
• Loss of use of one arm or one leg........................................................80%

Paralysis

• Quadriplegia (total paralysis of both upper and lower limbs ...................................................200% up to a maximum of $1,000,000
• Paraplegia (total paralysis of both lower limbs) ....................................................................200% up to a maximum of $1,000,000
• Hemiplegia (total paralysis of upper and lower limbs of one side of the body) .........................200% up to a maximum of $1,000,000