If you're covered by the hour bank and die before age 70 as a result of an accident, the plan will pay a lump-sum benefit of $100,000. "Living benefits" are also available if an accident paralyzes you or you lose use of a limb, sight, speech or hearing. The coverage is in force 24/7 – at work, at home, at play – worldwide. It's provided regardless of your health history.
Death and Family Support Benefits
Bereavement Benefit
Up to $5,000 if you die in a covered accident and your spouse or children need counselling which commenced within 90 days of the accident and completed within a year of the accident.
Daycare Benefit
Up to $5,000 per year for children under 13 (enrolled in daycare or enrolls within 90 days of accidental death), available for four consecutive years.
After-school Care
Up to $5,000 per year for children under 13, for four consecutive years.
Death Benefit
A benefit of $100,000 is payable to the member’s designated beneficiary. If no beneficiary has been named, the benefit will be paid to the member’s estate.
Dependant Child Educational Benefit
Up to $5,000 per year, per child is available for four consecutive years of post-secondary tuition. The Dependent Child must be under age 23, or under 26 if enrolled as a full-time student.
Funeral Expense Benefit
Up to $5,000Â to cover funeral costs.
Parental Care Benefit
If you die as a result of a covered injury while caring for an eligible dependent parent, the plan pays up to $10,000 per dependent child.
Repatriation Benefit
Up to $15,000Â to bring your body home if you pass away more than 50 km from your residence.
Identification Benefit
Return economy class transportation, plus $1,500 for hotel and meal expenses, plus ($0.40) cents per kilometer for return trip for a family member, if the deceased insured is at least 50 kms from home.
Injury, Disability, and Recovery Benefits
Accidental Loss and Paralysis Benefit
If you suffer a covered loss (e.g., use of sight, limbs, etc.) within 365 days after the date of the covered accident that caused the loss, you or your beneficiary will receive a benefit based on the type of loss. If you sustain more than one loss, you'll get the largest benefit. Total paralysis (quadriplegia, paraplegia or hemiplegia) pays $200,000.
Coma Benefit
If a covered injury leaves you in a coma for over 31 days, the plan pays $1,000 per month for 11 months, then a lump sum of $100,000Â minus payments made if the coma continues.
Disability Fitness Benefit
Up to $5,000Â is available for specially designed fitness or athletic equipment to aid in your recovery. The equipment must be purchased within two years of the accident.
Permanent and Total Disability Benefit
$100,000 if you suffer an injury causing you permanent and total disability, provided disability continues for 12 months. Permanent and total disability means that due to an injury you cannot work for any income, at any job that you are reasonably suited by education, training or experience to do, and a physician certifies your disability is total, permanent and irreversible.
Therapeutic Counselling Benefit
Up to $5,000 if you suffer an injury for which you receive a benefit under the plan and, within 90 days of the injury, need therapeutic counselling as a result of that injury.
Workplace Modification and Accommodation Benefit
Up to $5,000Â to help your employer adapt your workspace for your return, full-time.
Home/Vehicle Modification Benefit
Up to $15,000Â to make your home or vehicle wheelchair-accessible.
Hospital Benefit
If you are hospitalized for more than seven consecutive days due to a covered injury, this benefit pays $1,000 per month, for up to 12 months.
Rehabilitation Benefit
Up to $15,000Â for occupational training due to a covered injury. Expenses must be incurred within 3 years.
Special Situations and Additional Benefits
Carjacking Benefit
If a member is injured as a result of a carjacking and receives a benefit for that injury under the plan, they will also receive an additional $15,000 Carjacking Benefit.
Critical Burn Benefit
If you suffer injury resulting in the destruction of skin (second degree or higher) through the entire thickness and into underlying tissue, by means of exposure to fire, heat, electricity or radiation, the benefit pays up to $25,000 depending on the size and location of the area which is burned.
Disappearance Benefit
$100,000 if your body isn’t recovered within a year after an accident involving wreck, sinking, stranding or forced landing.
Seat Belt and Airbag Benefit
$15,000 if you suffer a covered accidental death while you're driving a private car, or riding as a passenger, with a properly fastened, and factory-installed or manufacturer authorized seat belt. An additional $5,000 if you were in a seat protected by a manufacturer equipped airbag that inflates on impact.
Serious Illness Benefit (except cancer)
Up to $10,000 if you're diagnosed with one of these covered conditions: Multiple Sclerosis, Necrotizing Fasciitis, Parkinson's Disease, Major organ failure requiring transplant, Amyotrophic Lateral Sclerosis (ALS), or Major organ transplant. You must have been insured for 90 consecutive days, not have been diagnosed with one of these illnesses before, survive at least 30 days after the diagnosis and be under age 65 at the time of the diagnosis. This is a one-time benefit, even if you're diagnosed with more than one covered serious illness.
Bedside Companion Benefit
Pays for round-trip economy transportation, plus up to $1,500 for meals and accommodation, and transportation expenses limited to $0.40 per kilometre, for a family member or companion to travel to your hospital if you suffer an injury for which you receive a benefit under the plan and are hospitalized for two or more days, more than 50 kilometres from home.
Spousal Educational Benefit
Up to $15,000 to cover your spouse's expenses for enrolling in a professional or trades training program – for the purpose of securing income – if you suffer a covered accidental death and these expenses are incurred within 30 months of your death.
Important Information
Age limit: AD&D covers accidental death before age 70.
Beneficiary: By default, your AD&D beneficiary is the same person as your basic-life beneficiary unless you specify otherwise on the form. For losses (not death), the benefit is paid to you, the member.
Converting your coverage: If you leave Benefits of Film for any reason, you can convert your group accident coverage under the plan within 31 days to an individual insurance policy.
*Note: Refer to the booklets for detailed information, exceptions, and conditions for availing these benefits.