Enhanced Major Accident Protection
Great news — Major Accident Protection now comes with higher benefit amounts and additional features with NO premium increase!
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 the coverage amount that's right for you|
|Offset the negative financial impact arising from an accident by choosing Major Accident Protection for both yourself and your spouse. With some benefits increasing to up to two times the benefit amount per unit, the maximum Major Impairment benefit available is now $1,000,000. The Accidental Death benefit has also increased from $10,000 to $25,000 per unit, providing a maximum benefit amount of $125,000.|
|Rates and benefits|
|The enhanced Major Accident Protection plan is available to you at the same low rates! Eligible benefits are payable as outlined below (the new higher benefit amounts are in red).|
|All applicants must be resident in Canada and under 66 years of age. The following individuals are eligible to apply: more...|
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.
- 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 Nova Scotia.
- 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.
|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.|