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Child Life & Accident Plan
If you have children, Child Life & Accident Insurance can help you ensure that finances won't be an issue while making sure they get the best care in the event of a major accident.
| Choose from $50,000 to $250,000 of protection |
| Child Life & Accident Insurance combines a Major Impairment benefit of up to $250,000 with a Term Life benefit of up to $25,000. Choose from one to five units of coverage. Each unit provides $50,000 of Major Impairment benefit plus $5,000 of life insurance. These benefit amounts apply to each of your covered children. |
| Only one premium to pay for all eligible children |
| A single premium covers all your eligible children, regardless of how many, for the full coverage amount. Once this coverage is in force, newborn children are automatically insured upon reaching the age of 15 days, and no additional premium is required. |
| Rates and benefits |
The Term Life benefit is payable in the event of death by any cause. The Major Impairment Benefit is payable as outlined in the table of benefits:
 | | Monthly Premium |
| | $1.17
| $2.34
| $3.51
| $4.68
| $5.85
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| | Benefit Paid |
| Severe brain damage | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 |
| Total and permanent paralysis | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 |
| Loss of use of two limbs | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 |
| Total and permanent loss of sight, speech or hearing | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 |
| Loss of use of one hand, one limb or one foot | $25,000 | $50,000 | $75,000 | $100,000 | $125,000 |
| Total and permanent loss of sight in one eye and hearing in one ear | $25,000 | $50,000 | $75,000 | $100,000 | $125,000 |
| Death by any cause | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
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| Eligibility |
| Members and employees participating in Term Life or Major Accident Protection are eligible to apply for Child Life & Accident Insurance for any of their children who are: more... |
- unmarried,
- dependent on the Member/Employee for support, and
- over 14 days but under 25 years of age. (Children over age 21 must be in full-time attendance at an accredited college or university.)
Once Child Life and Accident Insurance coverage is in force, newborn children are automatically insured upon reaching the age of 15 days, at no additional cost. |
| Limitations and exclusions |
| Major Impairment Benefits are not payable if death or impairment results from self-inflicted injury; insurrection or war; flying, except as a passenger on a commercial flight; or from active participation in or attempting or provoking a criminal offence. |
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