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Accidental Death & Dismemberment (AD&D) Claims - Active Plan

For accidents resulting in death or serious injury, follow the steps below to ensure your claim is submitted and processed as smoothly as possible.

Accidental Death & Dismemberment (AD&D) Coverage


The Accidental Death & Dismemberment (AD&D) benefit under the Active Plan provides financial protection to members and their beneficiaries in the event of accidental death or certain serious injuries resulting from an accident. Coverage applies worldwide, 24 hours a day.


How to Make an Accidental Insurance Claim


1. Notify AGA Benefit Solutions


Contact AGA Benefit Solutions as soon as possible following the accident or death.

You may be asked to provide details such as the date, location, and nature of the accident or injury.


2. Obtain the Required Claim Form


AGA Benefit Solutions will provide the appropriate AD&D Claim Form and guide the claimant or beneficiary through the next steps.


3. Provide Supporting Documentation


Depending on the nature of the claim, supporting documentation may be required.

For accidental death claims, this may include:

  • A certified death certificate

  • An accident or coroner’s report confirming the cause of death

  • Proof of beneficiary designation

For injury or dismemberment claims, this may include:

  • Medical documentation from a licensed healthcare provider detailing the injury

  • An accident report (for example, police or workplace documentation)


4. Complete and Submit the Claim


The claimant or beneficiary must:

  • Complete the claim form in full

  • Attach any requested supporting documentation

Submit the completed claim using one of the following methods:

  • Mail: Using the address provided on the claim form

  • Email: Scanned copies sent to benefitsoffilm@aga.ca


Submission Deadline


Claims must be submitted within 15 months of the date of the accident or death.

If it is not reasonably possible to submit the claim within this timeframe, it must be submitted as soon as reasonably possible thereafter.


Claim Review and Payment


AGA Benefit Solutions will review the claim and supporting documentation. If additional information is required, they will contact the claimant or beneficiary directly.

Once approved:

  • Accidental death benefits are paid to the named beneficiary or, if no beneficiary is designated, to the estate

  • Injury or dismemberment benefits are paid directly to the member


Important Notes


  • AD&D benefits are not available under the 60+ Plan

  • AD&D coverage ends when a member enrols in the 60+ Plan

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