Voluntary Group Accidental Death & Dismemberment (AD&D) Insurance
Coverage That Supports You When It Matters Most
Accidental Death & Dismemberment coverage provides financial support to you and your loved ones in the event of unexpected accidents. This voluntary group insurance is designed to protect employees and their families by offering lump-sum benefits for accidental death, serious injury, or loss of limbs or senses.
Key Features:
Accidents are unpredictable. This benefit offers:
- Coverage available for employees, spouses, and dependent children
- Affordable group rates with no medical underwriting required
- Benefits include lump-sum payouts for accidental death, dismemberment, child care, education, rehabilitation, and home modifications
- Optional family coverage with flexible benefit amounts
- Conversion privilege allows continuation of coverage after employment ends
- Important exclusions (self-harm, criminal acts, war, intoxication, etc.)
Eligibility
Available to employees, with optional coverage for spouses and dependent children.
Class I (Single):
Employees only — $50,000 minimum,
increments of $25,000, max $500,000
Class II (Family):
- Spouse only: 50% of employee sum (if no dependent children)
- Spouse + dependent children: 40% spouse, 5% per child (max $25,000 per child)
Why Choose AD&D Coverage Through PC Metro?
Accidents happen when least expected. Our Voluntary AD&D Insurance offers peace of mind and crucial financial support to help cover expenses during difficult times, ensuring you and your loved ones can focus on recovery and well-being.
This is a summary of coverage only. Please see actual policy wording for complete details.
Legal & Underwriting Information
This coverage is underwritten by a global specialty insurer with a long-standing reputation for financial strength and claims reliability. This partner supports a wide range of innovative benefit solutions across Canada and around the world.
Ready to Get Covered?
If you’re interested in enhancing your HSA with Voluntary Group Accidental Death & Dismemberment Insurance, let’s connect to discuss how it works and what it could mean for your business.