if I accidentally die?

     if a family member accidentally dies?

     if I suffer an accidental injury?

     if a family member suffers an accidental injury?

If you sustain an injury that results in death within 12 months of the date of accident, the Plan will pay the day-care benefit stated below for each dependent child under 13 years of age who:

For each eligible child, the benefit is:

The benefit will be paid each year upon receipt of satisfactory proof that the child is enrolled in a legally licensed day-care centre. Payment will not, however, be made for expenses incurred before your death or for room, board or other ordinary living, travelling or clothing expenses.

If a dependent child satisfies the requirements indicated above, the day-care benefit will be payable to the surviving spouse, provided the spouse has custody of the dependent child. If there is no surviving spouse or the dependent child does not reside with the spouse, the benefit will then be paid to the child's legally appointed guardian.

"Dependent child" includes a child (or children of a multiple birth) who is born within nine months following your death.

If you sustain an injury that results in death within 12 months of the date of accident, the Plan will pay the education benefit stated below for each dependent child who is enrolled as a full-time student:

For each eligible child, the benefit is:

The benefit will be paid each year upon receipt of satisfactory proof that the child is enrolled as a full-time student in a school for higher learning. Payment will not, however, be made for expenses incurred before your death or for room, board or other ordinary living, travelling or clothing expenses.

A dependent child who satisfies the above requirements will be deemed the beneficiary of the education benefit payable.

If, at the time of loss, you have no dependent children eligible for the education benefit, the Plan will pay an additional amount of $2,500 to the designated beneficiary.

Such daily benefit will be paid from the first day of a necessary period of hospitalization as an inpatient, for which a full day's room and board is charged, but in no event for more than 12 months per accident.

A period of hospitalization which becomes necessary for the treatment of any injury other than for a covered loss will be covered in accordance with the above terms, and the daily benefit will be paid from the first day of hospitalization of at least a four-day period of hospitalization.

If a particular condition causes more than one period of hospitalization due to the same or related causes, then the maximum benefit (12 months in a hospital) will be reinstated, provided a period of 6 months has elapsed between periods of hospitalization.

If an injury sustained by an insured person results in loss of life and an indemnity becomes payable, the Plan will pay the reasonable and necessary expenses actually incurred for the transportation of the body to the city of residence, including the preparation of the body for such transportation, subject to a maximum of $10,000.

The driver of the vehicle must hold a current and valid driver's license of a rating authorizing him to operate such vehicle and neither be intoxicated nor under the influence of drugs, unless such drugs are taken as prescribed by a physician, at the time of the accident. "Intoxicated" and "under the influence of drugs" are as defined by the local jurisdiction where the accident occurs.

Due proof of seat-belt use must be provided as part of the written proof of loss.

If you die as a result of an accidental injury, the Plan will pay the reasonable and necessary expenses actually incurred within three years from the date of such accident by your spouse for formal occupational training to become specifically qualified for active employment in an occupation for which your spouse would not otherwise have sufficient qualifications, to a maximum of $10,000 for all such expenses. Payment will not be made for room, board or other ordinary living, travelling or clothing expenses.

In this case, your spouse will be the beneficiary of the spouse retraining benefit.

If you become totally disabled and your application for a waiver of premiums is accepted and approved by the insurer in accordance with the Life Insurance Plan, the premiums payable under the Plan will be waived until the earliest of the date of your death, the date on which you are no longer disabled, your 65th birthday, and the date on which the Plan is terminated.

Upon termination of coverage, you may request, within 31 days following termination and without proof of insurability, that your accident insurance (but not the accident insurance for your spouse or dependent children) be converted into an individual policy for an amount equal to or less than the value of your policy on the date your coverage terminated. Premiums for the individual insurance are payable in advance on an annual basis.