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Member and Spouse Personal Accident Insurance
Accidents happen without warning. They can catch us unprepared to cope emotionally and financially. The Institute endorses a Personal Accident Insurance Plan that can help you and your family at a very trying time. Member and Spouse Personal Accident Insurance offers a lump sum benefit payment to help cover the immediate costs of an injury or death due to an accident, and helps you and your family keep control of the situation.
Choose the amount of coverage that meets your needs, from 1 to 20 units of coverage for you and from 1 to 10 units for your spouse. Each unit provides $25,000 of Major Impairment coverage or Accidental Death coverage, for a total of up to $500,000 for you and up to $250,000 for your spouse.
Eligibility
Members and spouses who have or are applying for Term Life Insurance and Members who have or are applying for Income Protection disability insurance are eligible to apply for this coverage up to age 65. Coverage continues for as long as the Term Life or Income Protection coverage is in effect.
See the Personal Accident rates that apply to you, or let us calculate the cost for you.
- All your premiums waived
If the premiums for Term Life or Income Protection coverage for you or your Spouse are being waived, premiums for this coverage will also be waived.
- Coverage that goes where you go
So long as you remain a member of a participating Institute and maintain your eligibility, you can take this coverage with you from one job to the next, anywhere in the world.
- Receiving benefits
Benefits will be paid to the insured member, if living. Otherwise, benefits will be paid to the beneficiary appointed by the member. The Accidental Death benefit is payable in the event of accidental death. The Major Impairment Benefit is payable as outlined in the following table of benefits:
- Limitations and exclusions
A loss is covered only if it is the result of an accident, occurs within 12 months of the accident, and is complete and irreversible. Loss of use is covered only if it has been continuous for 12 months. Claims resulting from self-inflicted injury, active participation in a criminal offence, insurrection, terrorism or war, poisoning, injuries with no visible wound on the exterior of the body (except in the case of drowning or where internal injuries are revealed by an autopsy), or flying (except as a passenger with no flight duties) are not covered.
Have you become a new Institute Member within the last 90 days? If so, you are invited to take advantage of FOUR limited-time insurance plan offers, including an opportunity to enroll to add up to $50,000 of Member Personal Accident Insurance to your Term Life or Income Protection Insurance - with no medical questions!
You can apply online (except for residents of Quebec) or print an application (including residents of Quebec) and mail it to: Manulife Financial, Affinity Markets, P.O. Box 4213, Station A, Toronto, Ontario, M5W 5M3.
If you have questions or feedback about our coverage, click here to contact us online, telephone us toll-free at 1 866 219-4245 Monday through Friday from 8 a.m. to 8 p.m. ET, or e-mail us at am_service@manulife.com any time.
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