Some features applicable to all benefits:

• Coverage is 24 hours-a-day, 7 days-a-week

• If family coverage is chosen, the spouse and dependents are covered under the plan

• Participation in the plan is limited to UCDA members, but is not guaranteed. The Capital Group Insurance reserves the right to refuse entry into the plan to any UCDA member

• Limitations or exclusions on pre-existing conditions may apply

See a detailed description of each benefit:

Term Life Insurance (with AD&D and Dependent Life)

Dependent Life Insurance (with AD&D)

Critical Illness Insurance

Short Term Disability Insurance

Long Term Disability Insurance

Term Life Insurance (with AD&D and Dependent Life) Optional Benefit

1-4 members: $25,000 coverage, subject to approval
5-9 members: $25,000 coverage, guaranteed approval
10+ members: $25,000, $50,000 or $75,000 per person, guaranteed approval

Provides easy term life insurance. The benefit amount doubles if death occurs by accident. Automatically includes AD&D and Dependent Life benefit.

We also broker life insurance from all major Canadian insurers; please ask us for a custom quotation.

The Term Life Insurance benefit is provided by Industrial Alliance Pacific.

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Dependent Life Insurance (with AD&D) Optional Benefit

Choose between $5,000 spouse and $2,500 per dependent child ($1.40 per month), or $10,000 spouse and $5,000 per dependent child ($2.60 per month.)

The Dependent Life Insurance option provides basic life insurance coverage for your spouse and dependent children, regardless of how death may occur. Should death occur by accident, the benefit doubles. Coverage is automatic-issue, regardless of the health status of the spouse or dependent.

The Dependent Life Insurance benefit is provided by Industrial Alliance Pacific.

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Critical Illness Insurance Optional Benefit

Flat $20,000 of Critical Illness coverage, payable after 30 days upon the diagnosis of one of the 15 covered conditions. For a complete list of the covered conditions, please click HERE.

The Critical Illness Insurance benefit is underwritten by ACE INA Life Insurance.

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Short Term Disability Insurance Optional Benefit

This benefit provides you with a regular income to replace income lost because of a short term disability due to illness or injury. This benefit usually begins 1 day after accidents or 8 days after sickness commences and continues until you are no longer disabled as defined by the policy, to a maximum of 17 weeks.

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Long Term Disability Insurance Optional Benefit

L.T.D. coverage provides you with a regular income to replace income lost because of a lengthy disability due to illness or injury. Benefit begins after the waiting period is over (usually 17 weeks) and continues until you are no longer disabled as defined by the policy. The benefit can be paid for a set number of years (say, five) or until age 65. The longer the coverage period, the greater the premium.

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