My InfoAssociation of Professors of the University of Ottawa

Optional accidental death and dismemberment insurance

Summary

This insurance covers you, or you and your family, in cases of accidental death or dismemberment. For example, benefits under this coverage would be paid in the following situations: paralysis, loss of certain abilities (hearing, speech, and sight), severe amputation, loss of life.

This insurance coverage is in effect at all times, around the world. Coverage includes, but is not limited to, accidents in which you are travelling as a passenger (such as in an aircraft), driving a vehicle (such as an automobile).

Benefits are calculated as a percentage of the principal sum, up to $500,000; for example, for the loss of a thumb and index finger, the benefit could be a third of the principal, while for an accident resulting in paraplegia, the benefit could be the double of the principal.

In certain cases, the insurance will reimburse related expenses, such as tuition fees, rehabilitation costs, or the cost of alterations to a home, vehicle or workplace.

You pay all premiums (but they may be paid by the University if you qualify for long term disability benefits).

Chartis Insurance Company

This insurance policy is underwritten by the Chartis Insurance Company of Canada (now a unit of AIG) and the information on this page is a summary that is as close as possible of the full provisions of Master Policy PAI 9019674-A

Eligibility

You are eligible if you are:
  • A permanent employee
  • regardless of age

You can select either employee or employee and family coverage for Optional Accidental Death and Dismemberment Insurance. Family coverage includes your eligible Spouse (must be under age 70) and/or Dependent child.

Premiums

You pay the following monthly premiums:

  • Employee coverage: $0.015 per $1,000 of coverage
  • Employee and family coverage: $0.024 per $1,000 of coverage

Waiver of premium

Premiums payable under Optional Accidental Death and Dismemberment Insurance can be waived in the event you become totally and permanently disabled, and you are eligible for a waiver of premium under the University’s Long Term Disability Plan.

Premiums will be waived from the same date your claim is accepted and approved by the Long Term Disability Plan until one of the following occurs:

  • The date you reach age 65,
  • The date of your death or recovery,
  • The date you are no longer eligible for waiver of premium under the Long Term Disability Plan, or
  • The date this plan is cancelled.

Coverage

Optional Accidental Death and Dismemberment Insurance covers you or you and your insured family members worldwide, 24 hours a day, 365 days a year. Coverage includes, but is not limited to, accidents:

  • On or off the job,

  • In the home,

  • While driving an automobile, and

  • Travelling as a passenger by train, airplane (except as limited by Exclusions), automobile, or other public or private conveyance.

The benefits provided under this plan are payable in addition to any other insurance which may be in effect at the time of accident.

Your effective date of coverage will be on the first day of the month following the date your signed application has been received by the University provided you meet the eligibility criteria.

Amount of coverage

Employee coverage

  • Up to $500,000 in units of $25,000 (minimum: $25,000)

Employee and family coverage

  • Employee: Up to $500,000 in units of $25,000 (minimum: $25,000)
  • Spouse only: 60% of employee’s amount
  • Spouse and dependent children:
  • Dependent children only: 20% of employee’s amount per covered child

Table of losses

If death, dismemberment or loss of sight occurs within one year after the date of the accident, the following benefits will be paid:

  • Loss of life: the principal sum

  • Loss of both hands or both feet: the principal sum

  • Loss of entire sight of both eyes: the principal sum

  • Loss of one hand and one foot: the principal sum

  • Loss of one hand and the entire sight of one eye: the principal sum

  • Loss of one foot and the entire sight of one eye: the principal sum

  • Loss of one arm or one leg: four-fifths of the principal sum

  • Loss of one hand or one foot: three-quarters of the principal sum

  • Loss of the entire sight of one eye: three-quarters of the principal sum

  • Loss of thumb and index finger of the same hand: one-third of the principal sum

  • Loss of speech and hearing: the principal sum

  • Loss of speech or hearing: three-quarters of the principal sum

  • Loss of hearing in one ear: two-thirds of the principal sum

  • Loss of four fingers of one hand: one-third of the principal sum

  • Loss of all toes of one foot: one-quarter of the principal sum

Loss of use

  • Loss of use of both arms or both hands: the principal sum

  • Loss of use of one hand or one foot: three-quarters of the principal sum

  • Loss of use of one arm or one leg: four-fifths of the principal sum

Paralysis

  • Quadriplegia (total paralysis of both upper and lower limbs): two-times the principal sum, to a maximum of $1,000,000

  • Paraplegia (total paralysis of both lower limbs): two-times the principal sum, to a maximum of $1,000,000

  • Hemiplegia (total paralysis of upper and lower limbs of one side of the body): two-times the principal sum, to a maximum of $1,000,000

Additional benefits

Permanent and total disability

If an insured employee suffers a covered injury causing permanent and total disability, Chartis will pay the employee’s principal sum less any amounts payable under the table of losses.

Rehabilitation benefit

If an insured employee requires special training, due to a covered injury, Chartis will pay the reasonable and necessary expenses incurred, to a maximum of $15,000, provided:

  • Training is required due to the injuries suffered, and is necessary for the insured person to be qualified to engage in an occupation for which he/she would not have been engaged except for having suffered such injuries,

  • Expenses are incurred within two years from the date of the accident, and

  • Expenses are not related to ordinary living, travelling or clothing.

Home alteration and vehicle modification

If an insured person suffers a covered injury and is subsequently required to use a wheelchair to be ambulatory, Chartis will pay the reasonable and necessary expenses incurred, a maximum of $15,000, for:

  • The one-time cost of alterations to the insured injured person's residence to make it wheelchair accessible and habitable, and the lesser of:
    • The one-time cost of modifications necessary to a motor vehicle, owned by the insured injured person, to make the vehicle accessible or drivable for the insured person, or
    • The one-time cost to purchase a specially modified wheelchair accessible vehicle, with prior approval from Chartis.

This benefit is payable, provided:

  • Home alterations are made on behalf of the insured person and carried out by an experienced individual in such alterations and recommended by a recognized organization, providing support and assistance to wheelchair users, and
  • Vehicle modifications are made on behalf of the insured person and carried out by an experienced individual in such matters and modifications are approved by the provincial vehicle licensing authorities in the insured person’s province of residence.

Workplace modification and accommodation

If an insured employee suffers a covered injury for which special adaptive equipment and/or workplace modification is required for an employee’s return to active full-time work with the University, Chartis will reimburse the University for the modifications up to $5,000.

Psychological therapy

If an insured person suffers a covered injury and as a result of the injury requires psychological therapy as prescribed by a physician, Chartis will pay the reasonable and customary expenses related to the therapy provided:

  • Therapy is required, within two years of the date of the injury, and

  • Treatment is provided by a licensed, registered or certified counsellor or therapist.

Family transportation

If an insured person suffers a covered injury causing confinement to a hospital more than 100km from his/her permanent city of residence, Chartiswill pay the reasonable and necessary expenses incurred for the transportation of one immediate family member, provided:

  • Confinement to the hospital occurs within 365 days of the accident causing injury, and

  • Expenses for transportation are limited to the cost of one economy class trip, by the most direct route, provided by a licensed common carrier, to a maximum of $15,000.

"Immediate family member" means a person who is related to the insured person in any of the following ways: a spouse, brother‑in‑law, sister‑in‑law, son‑in‑law, daughter‑in‑law, mother‑in‑law, father‑in‑law, parent (includes step-parent), brother or sister (includes step-brother or step-sister), or child (including legally adopted or stepchild).

Repatriation benefit

If an insured person suffers a covered injury causing loss of life, more than 50km from his/her permanent city of residence, within 365 days from the date of the accident, Chartis will pay a maximum of $15,000 for actual expenses incurred relating to:

  • The preparation of the deceased for burial, and

  • Shipment of the body to the deceased’s city of residence.

Identification benefit

If an insured person suffers loss of life and a law enforcement agency requests identification of the body, Chartis will pay the reasonable and necessary expenses for transportation and lodging for an immediate family member to travel at least 150km from their place of residence to identify the body.

Seat belt benefit

If an insured person suffers a covered injury causing loss of life while he/she is a passenger or driver of a private passenger type automobile and his/her seat belt is properly fastened, Chartis will pay 10% of the insured person’s principal sum to a maximum of $50,000. Verification of proper use of the seat belt must be part of the official accident report or certified by the investigating officer.

Day care benefit

If an insured employee or insured Spousesuffers a covered injury causing loss of life, Chartiswill pay the legal guardian of the insured person’s Dependent childan amount equal to the lesser of the following:

  • The annual cost charged by a commercial and licensed day care center,

  • 5% of the insured's principal sum, or

  • $5,000 per year.

This benefit is payable annually for a maximum of four consecutive payments, provided the dependent child is:

  • Under age 13 at the time of the loss,

  • Enrolled in a commercial and licensed day care center no later than 90 days following the date of loss, and

  • Continues his/her enrollment in a commercial and licensed day care center.

Dependent child educational benefit

If an insured employee or insured Spousesuffers a covered injury causing loss of life, Chartis will reimburse the annual tuition, excluding room and board, of an institution of higher learning per school year, for each Dependent child, up to the lesser of the following amounts:

  • $5,000 per school year, or
  • 5% of the insured person’s principal sum.

This benefit is payable annually for a maximum of four consecutive payments per dependent child, provided:

  • The dependent child was, at the time of accident, enrolled as a full-time student in an institution of higher learning beyond the 12th grade level, and
  • Continues enrollment at an institution of higher learning.

If at the time of the accident, you have employee and family coverage but do not have any dependent children who qualify for this benefit, the Chartis will pay an additional benefit of $3,000 to the designated beneficiary.

"Institution of higher learning" includes, but is not limited to, any university, private post secondary college or trade school, and any College of General and Vocational Education/Collège d’enseignement général et professionnel (CÉGEP).

Spousal educational benefit

If an insured employee suffers a covered injury causing loss of life, Chartis will reimburse the insured Spouse for expenses relating to a professional or trades training program, to a maximum of $15,000, provided:

  • The spouse enrolls for the purpose of obtaining an independent source of support and maintenance, and

  • Expenses are incurred no later than 30 months after the date of loss.

Funeral expense

If an insured person suffers a covered injury causing loss of life, Chartis will reimburse the person who incurred the expenses for cremation, burial, or other funeral expenses of the insured person. The maximum amount payable for this benefit is $5,000 per insured person.

Felonious assault benefit

If an insured employee suffers a covered injury as a result of a deliberate felonious assault from another person, excluding a co-worker or family member, Chartis will pay an additional benefit of 10% of the employee’s principal sum.

Disappearance benefit

If the body of an insured person has not been found within one year of his/her disappearance, due to a forced landing, stranding, sinking or wrecking of a conveyance in which the insured person was an occupant, then it will be deemed, in the absence of any evidence to the contrary, that the insured person has suffered loss of life. Benefits will be payable based on the table of losses.

Common disaster benefit

If an insured employee and his/her insured Spouse both die from a covered injury in the same accident, within 90 days, the principal sum payable for loss of life of the spouse will be increased to equal that payable for loss of life of the employee.

Exclusions

Optional Accident Death and Dismemberment Insurance does not cover losses or claims relating to the following:

  • Suicide while sane, or any such attempt by the insured person,

  • Self inflicted injury while sane or insane, or any such attempt by the insured person,

  • Declared or undeclared war or any act thereof,

  • Infections, sickness, disease, or bodily infirmity and/or medical or surgical treatment for sickness, disease and bodily or mental infirmity,

  • Mental incapacity,

  • Stroke or cerebrovascular accident, cardiovascular accident, myocardial infarction or heart attack, coronary thrombosis, or aneurysm,

  • Travel or flight on any vehicle used for aerial navigation, if the insured person is:

    • Riding as a passenger in an aircraft not intended or licensed for the transportation of passengers,

    • Acting as the pilot or member of the crew of any aircraft, or

    • Flying in any aircraft owned or leased by the University.

  • Service in the armed forces or organized reserve corps,

  • Abuse of controlled drugs and substances or illegal blood alcohol levels,

  • Indictable offences under the laws of the jurisdiction where the act was committed, and

  • Natural causes.

Beneficiaries

If an insured employee suffers a loss of life, the benefit will be paid to the insured employee’s designated beneficiary or the estate if no such designation is made.

If an insured Spouse or Dependent child suffers a loss of life, the benefit will paid to the insured employee.

Accident Insurance Plan Application and Beneficiary Designation form.

Continuance of coverage

Your coverage will be extended for a maximum of 12 months, subject to premium payment, while you are:

  • Laid-off on a temporary basis,
  • Temporarily absent from work due to Short Term Disability,
  • On leave of absence, or
  • On maternity leave.

If you assume other occupational duties during your leave or lay-off period, no benefits will be paid for a loss occurring during the performance of this other occupation.

Extended family benefit

If an insured employee suffers a loss of life, coverage may be extended to the insured Spouse and Dependent child for a maximum of six months, provided premiums are paid.

If your employment at the University ends...

On the date of your termination of employment with the University or during the 90-day period following termination, you may change your insurance to Chartis’ individual insurance policy. The individual policy will be effective either as of the date your application is received by Chartis or on the date your coverage under the University’s policy ceases, whichever occurs later.

The premium you pay will be the same as a Chartis individual policy at that time. The amount of insurance benefit converted to shall not exceed the amount issued during your employment. An application for an individual policy may be made at any Chartis office.

Apply, claim, modify or end your coverage

Apply, modify or end your coverage

To apply for this insurance, to modify or end your coverage, login to the Manulife Secure Site - You will then need the following:

  • your contract number, which is 14101
  • your certificate number, which is your 9 digit uOttawa employee number, and
  • your password. If you do not have a password, you must first sign up online

Initiate a claim

To initiate a claim, contact Human Resources

Help lines

You can contact Manulife:
  • Via the Manulife website or
  • By phoning the Manulife customer service hotline at 1-800-268-6195

If you encounter any problems or issues, contact Human Resources at hrinfo@uottawa.ca or 613-562-5832