Accidental Death & Dismemberment

Employee Benefits

The Accidental Death & Dismemberment (A.D.& D.) plan covers all eligible employees. The plan provides coverage in the event of death or injury from a work-related accident and is insured through SSQ Financial Group. The plan has been in effect since January 1, 1989.

Included here is general information relating to the University of Winnipeg employee benefits. The information is intended as a summary of the main provisions of the various benefits, presented in non-technical language. The terms and conditions under which the benefits are provided, are governed by the appropriate group policy, contract, or plan text and any relevant Collective Agreement and in any dispute the legal document will take precedence over the information provided here.

Effective Date of Coverage

Coverage becomes effective on the date you commence regular employment. If you are not actively at work on the date your Accidental Death and Dismemberment coverage would normally become effective, coverage will commence on your return to work.


The cost of this coverage is paid entirely by the University.


The Principal Sum under this insurance is two times your basic annual salary (excluding stipends and overtime), rounded up to the nearest thousand. The minimum amount of coverage is $50,000, and the maximum amount of coverage is $100,000 per covered employee.

When injury results in any of the following losses within 365 days after the date of the accident the Insurer will pay for:

Loss or Loss of Use of: % of Principal Sum
Life 100%
Both Hands 100%
Both Feet 100%
Sight of Both Eyes 100%
One Hand & One Foot 100%
One Hand & Sight of One Eye 100%
One Foot & Sight of One Eye 100%
One Arm 75%
One Leg 75%
One Hand 66.6%
One Foot 66.6%
Sight of One Eye 66.6%
Thumb & Index Finger or at least
Four Fingers of One Hand
Loss of
All Toes of One Foot 25%
Speech & Hearing in Both Ears 100%
Speech 66.6%
Hearing in Both Ears 66.6%
Hearing in One Ear 25%
Total Paralysis of
Both Upper & Lower Limbs 200%
Both Lower Limbs 200%
Upper & Lower Limbs of One Side of Body 200%

The maximum benefit for all losses resulting from the same accident cannot exceed the Principal Sum with the exception of Paralysis, where the maximum benefit cannot exceed two times the Principal Sum.

Beneficiary Designation

The benefit payable in the event of Loss of Life is payable to the beneficiary you have designated for your Group Term Life Insurance. All other benefits are payable to you. If you are no longer eligible for the Group Term Life Insurance, you will be asked to make a beneficiary designation that is specific to the Accidental Death and Dismemberment plan.


In the event that you sustain an injury for which a claim would become payable under the Accidental Death & Dismemberment plan and, as a result of the injury, require special training for the purpose of being qualified to engage in a special occupation in which you would not have engaged except for the injury, the Insurer will pay reasonable and necessary expenses incurred by you for the special training, up to a maximum of $10,000. The training must take place within three years of injury.

Business Travel Coverage

You are covered under the Business Travel rider of this policy if you are:

a) Traveling directly to or coming from a meeting either regular or special;

b) Participating as a delegate member of the University at any convention relating to the University’s affairs at the expense of the University;

c) Traveling on the business and/or in the interest and/or at the expense of the University.

Coverage under section a) above, applies when you leave your residence to go directly to the meeting place, along a normal route, without delay or stop over.

Coverage under sections b) and c) above, applies only during the course of the trip. Such a trip shall be deemed to commence when you leave your residence or place of regular employment for the purpose of going on the trip, whichever occurs last, and will continue until you return to your residence or place of regular employment, whichever occurs first.


No benefits would be payable under this plan if death or injury should occur due to any of the following reasons:

  • Suicide or self-destruction
  • War (declared or undeclared)
  • While on active full-time service in the armed forces
  • Riding as a passenger or otherwise in an aircraft not possessing a current and valid certificate of airworthiness

Termination of Coverage:

Coverage will terminate on the earliest of the following dates:

  • Termination of employment, retirement or death


Due to the work-related nature of the Accidental Death and Dismemberment coverage, this plan may not be converted to individual insurance.

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