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| Summary of Benefits |
 | Financing Strong Insurers |
| Guaranteed Coverage |
| Conversion Priviledge |
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Group Life and Accidental Death & Dismemberment
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The Group Life Insurance and Accidental Death and Dismemberment Insurance are
"Core Benefits". All members and apprentices under the age of 65 years are
automatically covered.
The plan is designed to guarantee every member of the CPGA a basic amount of life
insurance. The plan does not eliminate the need for a comprehensive life insurance
portfolio. Each member and apprentice of the Association should review their personal
life insurance needs with a professional consultant and purchase the appropriate amount
and type of additional coverage.
This outline does not include all the terms, conditions and limitations that
apply to the coverage. All claims will be settled in accordance with the master policy
on file with the CPGA.
Group Life Insurance
"Who is covered?"
All members and apprentices of the CPGA under the age of 65. Coverage automatically
commences with membership.
Coverage ends when your membership terminates or on December 31st of the year in
which you turn 65, whichever comes first.
"When am I covered?"
Coverage takes effect on January 1st after completing the play ability test and subimitting a membership application, which is accepted by the CPGA.
"Do I have to pass a medical?"
No. All members and apprentices are guaranteed coverage regardless of health.
"What are the benefits?"
The benefits are as follows:
| Life Insurance | $10,000. |
| Accidental Death | $15,000. |
| Accidental Dismemberment | up to $15,000. |
| Waiver of Premium |
If you become totally disabled for a period exceeding 6 consecutive months,
your life insurance premium will be waived for as long as you remain disabled. |
| Conversion |
Within 31 days of the termination of coverage, if you are under the age of 65,
you may convert to certain types of individual insurance without providing evidence
of insurability. |
"What are the Accidental Death and Dismemberment benefits?"
Benefits are provided 24 hours a day, for each day of the year.
If you suffer any of the losses outlined in the "Schedule of Losses" and the loss
is caused independently of all other causes by bodily injury sustained solely through
an accident and the loss occurs within 365 days of the date of the accident, the plan
will pay to you the amount provided for in the "Schedule of Losses". In no event can
a claim for accidental death and/or dismemberment exceed $15,000 as a result of any one
accident.
"What are some of the significant terms?"
Loss of: means the actual severance at or above the elbow or knee
joint with respect to an arm or a leg, severance at or above the wrist or ankle joint
with respect to a hand or foot, severance at or above the first phalange with respect to
a thumb or finger, the total and irrecoverable loss of sight with respect to an eye, or the
total and irrecoverable loss of speech or hearing, as certified by a physician.
Loss of Use: means the total and irrecoverable loss of use as
certified by a physician. Loss of use, loss of sight, hearing or speech, Quadriplegia,
Paraplegia or Hemiplegia must exist for a continuous period of not less than 12 months
before the benefit is payable.
Exposure/Disappearance: when due to disappearance, forced landing,
stranding, sinking, or wrecking of a conveyance, "exposure" is considered an accidental
bodily injury and disappearance for at least one year is considered as a loss of life.
Air Travel: air travel solely as a passenger is covered.
The aggregate limit of the Company's liability for all losses arising out of one single
air travel accident is $1,500,000.
"Are there exclusions on the policy?"
YES. No benefits will be paid for any loss directly or indirectly due to or
resulting from any one or more of the following:
- declared or undeclared war or any act of war;
- full-time service in the armed forces of any country;
- the insured person riding as a passenger in, alighting from, or boarding an aircraft while operating, learning to operate, or serving as a member of the crew of an aircraft or while crop dusting, crop spraying, seeding, skywriting, racing, testing, exploration or any other purpose except transportation;
- suicide or attempted suicide or intentional self-injury, or sustained while the insured person is in a state of insanity.
"Can I assign the benefits?"
NO. Current legislation in most Canadian jurisdictions does not allow you to "assign"
the benefits of a group life insurance contract.
"Can I name a beneficiary?"
YES. In fact, it is preferable to do so. A specific named beneficiary ensures
the speediest claims settlement. It is important that you keep your beneficiary designation
current. A change of beneficiary card is included with this section of the manual.
Additional cards are available to update the records at any time. If you do not appoint
a beneficiary, the benefit will be payable to your estate.
If you wish to designate or change your beneficiary, please contact us right away
"How are claims submitted?"
Claims can be submitted directly to Simmlands Insurance Brokers Limited, who
are the plan administrators on behalf of the CPGA.
Schedule Of Accidental Death & Dismemberment Losses:
| Complete Loss of: |
|---|
| Life | 100% |
| Both Hands or Feet | 100% |
| Sight of Both Eyes | 100% |
| One Hand and One Foot | 100% |
| One Hand or Foot and One Eye | 100% |
| One Arm or One Leg | 75% |
| One Hand or One Foot | 75% |
| Sight of One Eye | 75% |
| Thumb and Finger, Same Hand | 33 1/3% |
| Four Fingers on Same Hand. | 25% |
| Four Toes on Same Foot. | 25% |
| Hearing, One Ear | 25% |
| Hearing, Both Ears | 75% |
| Speech | 75% |
| Speech and Hearing, Both Ears | 100% |
| Quadriplegia | 100% |
| Paraplegia | 100% |
| Hemiplegia | 100% |
| Loss of Use of: |
|---|
| Both Hands or Both Feet | 100% |
| Both Arms or Both Legs | 100% |
| One Hand or One Foot | 75% |
| One Arm or One Leg | 75% |
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