ACCIDENTAL DEATH AND DISMEMBERMENT
Effective January 1, 2022.
This benefit will pay for a loss of life or any other loss as described below if it is due to an accident the loss/loss of use occurs within 365 days as a result of the accident.
The benefit amount for loss of life, due to accident, is shown in the first table and additional Covered Losses, as a percentage of the “loss of life” amount are shown in the second table. For additional information, including Exclusions, please refer to the Pacific Blue Cross booklet on the Welfare Plan website.
| Benefit | Plan A | Plan B | Plan C |
| AD&D Insurance
< age 65 65 and up |
$100,000 $35,000 |
$100,000 N/A |
N/A |
| Covered Losses | %age of Benefit Amount |
| Life Entire Sight of Both Eyes
Both Hands or Both Feet One Hand and One Foot Entire Sight of Both Eyes One Hand and Entire Sight of One Eye Speech and Hearing One Foot and Entire Sight of One Eye |
100% |
| One Arm or One Leg | 75% |
| One Hand or One Foot Entire Sight of One Eye | 66 2/3% |
| Speech or Hearing | 50% |
| Thumb and Index Finger of the Same Hand
Four Fingers of the Same Hand |
33 1/3%
|
| Hearing in One Ear All Toes of the Same Foot | 25% |
| Quadriplegia Paraplegia Hemiplegia | 200% |
Other Covered Benefits |
Maximum Benefit Payable |
| Occupational Training for the spouse | $10,000 |
| Post secondary education for dependent children | $5,000 |
| Repatriation | $10,000 |
| Rehabilitation | $10,000 |
| Family Travel | $3,000 |
Important Notes: The beneficiary for the AD&D loss of life benefit is the same as designated for your Basic Life Insurance. The monthly premium cost of AD&D insurance paid to the insurance company on your behalf is a taxable benefit. However, the benefit paid to your beneficiary (or you for other Covered Losses) is non-taxable.
Accidents caused by participation in a legal offence, civil commotion, crew/passenger in self-flown aircraft, self-inflicted injury, blood/alcohol level over .08% or if under the influence of narcotics are excluded.