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Major Accident Protection
In the event you suffer a serious, disabling accident, Major Accident Protection can provide the funds to help you and your family during the period necessary to adapt to changes in your abilities.
| Choose from $100,000 to $500,000 of protection |
| Offset the negative financial impact arising from an accident by choosing Major Accident Protection for both yourself and your spouse. Each unit of coverage provides up to $100,000 of Major Impairment Benefit, plus a $10,000 Accidental Death Benefit. Maximum coverage is $500,000 of Major Impairment Benefit, plus a $50,000 Accidental Death Benefit. |
| Rates and benefits |
| 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: |
 | | Monthly Premium |
| | $1.50
| $3.00
| $4.50
| $6.00
| $7.50
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| | Benefit Paid |
| Severe brain damage | $100,000 | $200,000 | $300,000 | $400,000 | $500,000 |
| Total and permanent paralysis | $100,000 | $200,000 | $300,000 | $400,000 | $500,000 |
| Loss of use of two limbs | $100,000 | $200,000 | $300,000 | $400,000 | $500,000 |
| Total and permanent loss of sight, speech or hearing | $100,000 | $200,000 | $300,000 | $400,000 | $500,000 |
| Loss of use of one hand, one limb or one foot | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 |
| Total and permanent loss of sight in one eye or hearing in one ear | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 |
| Accidental death | $10,000 | $20,000 | $30,000 | $40,000 | $50,000 |
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| Eligibility |
| All applicants must be resident in Canada and under 61 years of age, or up to 65 years of age if already insured under this coverage. The following individuals are eligible to apply: more... |
- Members of the 12 provincial and territorial engineering licensing associations/ordre, including members in training. Also, student engineers who are members of a student section (in those associations where a student section exists) and who are within 24 months of expected graduation from a program accredited by the Canadian Engineering Accreditation Board.
- Members of the 10 provincial associations of technicians and technologists.
- Members of l'Ordre des Géologues du Québec.
- Members of the Association of Professional Geoscientists of Ontario.
- Members of l’Ordre des architectes du Québec.
- Members of the Manitoba Association of Architects.
- Members of the Newfoundland Association of Architects.
- Members of the Architects' Association of New Brunswick.
- Members of the Nova Scotia Association of Architects.
- Members of the Architects Association of Prince Edward Island.
- Permanent full-time employees of the eligible associations, as defined above, or of Engineers Canada.
- Limited licensees.
Members and employees participating in Major Accident Protection are eligible to apply for Major Accident Protection for their Spouse. The cohabitation period for a common-law spouse is 1 year. |
| Limitations and Exclusions |
| 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. The Major Impairment Benefit is not payable if the insured does not survive the accident for at least 30 days. |
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