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Accidental Death & Dismemberment Plan

"No matter how careful we may be, accidents happen — and usually when we least expect them. And sometimes, the consequences can be devastating. An accident can result in a major injury that profoundly affects your life, and the lives of the people closest to you."

The CPSA Accidental Death & Dismemberment Plan can protect you and your family in the event of an accident anywhere around the world, 24 hours a day, 365 days a year. It even covers occupational accidents. The perfect complement to your CPSA Term Life Plan or your CPSA Disability Plan, the CPSA Accidental Death & Dismemberment Plan pays a benefit in the event of an accidental injury or death.

Flexible coverage choices to meet your needs

If you are under age 65, you can purchase an amount of coverage (principal sum) from $50,000 up to $750,000 with no medical exam required. If you purchase the Family Option, your spouse and eligible dependents can be covered for a percentage of the principal sum you select for yourself. Members age 65 to 85, and their spouses age 65 to 85, can purchase $15,000 of protection with limited coverage.

What's covered

The CPSA Plan pays a benefit in the event of an accidental injury or death. The benefit amount paid is a percentage of the principal sum (the amount of coverage purchased) and is based on the severity of the loss. The plan also includes a “loss-of-use” provision which pays a benefit if there has been a permanent total and irrecoverable loss of use which has been in existence for twelve continuous months, from the date of the accident.

For loss of
(or loss of use of):
Percentage of the
principal sum paid:
Both hands
Both feet
Entire sight in both eyes
One hand and one foot
One hand and entire sight of one eye
One foot and entire sight of one eye
Speech and hearing
One arm
One leg
One hand
One foot
Entire sight of one eye
Speech or hearing
Thumb and index finger of either hand
33 1/3%
Hearing in one ear
Also applicable if you apply prior to age 65:
Quadriplegia (complete paralysis of both upper and lower limbs)
Paraplegia (complete paralysis of both lower limbs)
Hemiplegia (complete paralysis of upper and lower limbs of one side of the body)

  • If an accident causes more than one loss, only a single loss representing the greatest percentage will be payable.
  • Your coverage will increase by 10% in your 2nd year of coverage, and 25% in your 3rd year of coverage, with no increase in cost to you.*
  • Coverage for spouses and dependent children also includes the “loss-of-use” provision.*

* If you apply prior to age 65.

Education Benefit

If you have selected the Family Option and have $150,000 or more coverage, each of your eligible children would receive an education benefit of up to $5,000 a year for up to four consecutive years if your death is accidental and occurs while the child is attending (or is within one year of attending) a recognized post-secondary institution.

Repatriation Benefit

If the insured person dies as a result of an accident outside of Canada, the CPSA Plan will pay up to $10,000 toward the expense of returning their body home for burial.

Additional Benefits

The CPSA Plan covers a number of other valuable benefits, up to the following amounts:

Family transportation
Occupational retraining for spouse*
Home alteration and vehicle modification
Child day care*

It also includes a Seat Belt Benefit (which increases the benefit paid if the injury or death is caused by a car accident and the insured person is wearing a properly fastened seat belt); and a Premium Waiver Benefit which pays the premium for this Plan on your behalf, in the event you become totally disabled for six consecutive months before age 65 and are unable to work. The CPSA Plan also covers accidents while flying as an aircraft passenger (so long as the aircraft is certified airworthy and the pilot is qualified).

* Applicable if you have selected the
Family Option.

Coverage available at low rates exclusive to CPSA members and their immediate families - To see how little this coverage can cost you, refer to our online rate table.

Certain limitations and exclusions apply.

To apply

To apply for coverage under the CPSA Term Life Plan, verify that you are eligible, then contact your CPSA authorized insurance representative today.