HEB Manitoba - Accidental Death & Dismemberment (AD&D) Insurance

Life Insurance - Active Members

The Life Insurance Plan offers three types of Accidental Death and Dismemberment (AD&D) Insurance:

Basic AD&D Insurance,
Family (Dependant) AD&D Insurance, and
Optional AD&D Insurance.

Basic AD&D Insurance

You are automatically provided with AD&D coverage equal to your Basic Life Insurance. This coverage is provided at no additional cost to you. The maximum AD&D benefit payable under this coverage is $500,000.

Basic AD&D Insurance covers you in the event of your accidental death, loss of a specified body part, or loss of use of a specified body part due to an accident.

Family (Dependant) AD&D Insurance

Family (Dependant) AD&D coverage is automatically provided with Family (Dependant) Life Insurance, and is equal to the amount of Family (Dependant) Life Insurance in effect at the date of accidental death, loss of a specified body part, or loss of use of a specified body part due to an accident.

The insurance is paid to you upon accidental death or injury of your spouse/common-law partner or eligible dependant children.

Optional AD&D Insurance

You may choose up to 10 units of Optional AD&D Insurance. This coverage insures your life against accidental death, loss of a specified body part, or loss of use of a specified body part due to an accident. Each unit is equal to $30,000 (maximum $300,000) of insurance.

Optional AD&D Insurance benefits are paid to:

Your beneficiary, if death is due to an accident, or
You, if you suffer loss of of a specified body part or loss of use of a specified body part due to an accident.

Basic AD&D, Family (Dependant) AD&D and Optional AD&D Insurance - Benefit Provisions

Basic AD&D, Family (Dependant) AD&D and/or Optional AD&D Insurance benefits are not payable if death is not due to an accident or if the loss:

Occurs more than one year after the date of the accident causing the loss, or
Is caused by infection, disease, illness, physical or mental infirmity, medical or surgical treatment, suicide or self-inflicted injury, war (declared or undeclared), insurrection or participation in a riot, or by an accident that occurred while in full-time, part-time, or temporary service in the armed forces of any country, or occurs while committing a criminal act.