Elderly Dependants: Coverage for Those Who Depend on You
Q: What happens if someone dies in an accident and their elderly parent is dependent on them?
A: The Parental Care Benefit provides up to $10,000 to help cover the care of the parent.
Tom’s mother, Margaret, had lived with him and Sarah for years. When Tom tragically dies in an on-set accident, his family is overwhelmed with grief—and with the sudden responsibility of ensuring Margaret is cared for in his absence.
Thankfully, because Tom had Active Plan coverage, his accident insurance included a Parental Care Benefit, providing up to $10,000 to help cover expenses related to Margaret’s care. This benefit is payable even if the member has siblings, as it supports one Dependent Parent per claim.
The payout helps Sarah manage Margaret’s needs and gives the family some breathing room during a deeply difficult time. For Tom, it’s a final gesture of care—ensuring his mother is looked after, even in his absence.