Having an accident policy allows an ongoing monthly income to cover a brief layup for a sprain or strain that leaves you unable to work for a few weeks, a few months, or even for debilitating injuries that leave you unable to earn an income for your entire lifetime.
Our accident policies offer 24 hour a day protection; on or off the job. From working every day to playing with the kids in the backyard, from home repairs to participating in your favorite pastimes, you are fully protected.
All policies are designed on an individual basis to suit the needs and qualifications of your family’s unique situation.
Important Features
Lifetime Accident Benefits
Our Lifetime Accident program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered accident for up to the rest of your life if necessary. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you will always be able to financially provide for yourself and your family and can focus on your health rather than your finances when injury strikes.
Monthly benefits up to
$5,000
| Level of Protection: | From $600 to $5,000 |
| Waiting Period: | From 0 days to 180 days |
| Accidental Death, Dismemberment or Loss of Sight: | Up to $25,000 |
| Guaranteed Renewable: | For life |
| Fixed Benefit (even if your income has fluctuated when you make a claim): | Yes |
Hospital & Disability Accident Benefits
Protect yourself against any short term injuries with the Hospitalization and Accident policy. Providing you qualify, secure yourself a full 6 months of benefits per covered accident that provides a guaranteed, tax-free income so you can focus on your health rather than the stress of your finances.
Included, if you qualify, is the Lifetime Hospital Benefit that pays in addition to your regular disability benefits, from the first day you’re confined in a hospital, up to the rest of your life if necessary. Also included, if you qualify, is a working benefit that pays you half of your full total disability benefits for up to three full months for any injury that slows you down, while you’re still able to perform some of your regular duties.
Monthly benefits up to
$5,000
| Level of Protection: | From $100 to $5,000 |
| Elimination Period: | 0 days to 15 days |
| Accidental Death: | Up to $100,000 |
| Hospitalization Benefits: | Lifetime |
| Guaranteed Renewable: | For life |
| Fixed Benefit (even if your income has fluctuated when you make a claim): | Yes |
5 Year
Stay protected from unexpected events with a comprehensive program that covers you for any accident. Our Accident Program ensures qualified policyholders receive a guaranteed income from the very first day they consult a doctor for any covered accident, with benefits lasting up to 5 years per claim.
Your benefits are paid in full, regardless of any other coverage you may have, giving you the financial freedom to focus on recovery instead of money worries. Designed for those in higher-risk occupations and age groups, this program provides a dependable monthly income directly to you, to use as needed during your recovery.
Monthly benefits up to
$5,000
| Level of Protection: | From $600 to $5,000 |
| Elimination Period: | From 0 days to 45 days |
| Accidental Death: | Up to $10,000 |
| Dismemberment or Loss of Sight: | Up to $5,000 |
| Guaranteed Renewable: | For life, as long as you continue working full time in an approved occupation |
| Fixed Benefit (even if your income has fluctuated when you make a claim): | Yes |
6 Month
Our 6 month Accident program offers qualified policyholders a guaranteed income from the first day you see your doctor for a covered injury, for up to 6 full months per covered accident. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you are able to financially provide for yourself and your family and can focus on your health rather than your finances, when injury strikes.
The 6 month accident only benefit MUST be attached to a Safe Driver or Hospital Benefit.
Monthly benefits up to
$5,000
| Level of Protection: | From $100 to $5,000 |
| Waiting Period: | 0 days to 15 days |
| Guaranteed Renewable: | To age 85 |
| Fixed Benefit (even if your income has fluctuated when you make a claim): |
Yes |
Emergency Benefits
Suited for retirees, newer businesses, students, and those working within the home, this program provides a guaranteed monthly income from the first day you see your doctor, for up to a full six months for any covered accident. This allows you the time to heal and rest while having a regular income to rely on. Also included is a 3-month partial disability benefit that pays half of your full total disability benefits if you are working with an injury.
Included, if you qualify, are the Safe Driver Benefits offering additional benefits paid in the case of an injury sustained from a covered motor vehicle accident. When you are totally disabled from that motor vehicle accident, you will receive up to an additional $1,600 per month above your guaranteed monthly income. Additionally, an extra $12,000 will be paid each month you’re confined to a hospital from a covered motor vehicle injury, at the rate of $400 per day, for up to 60 days. These benefits are paid in addition to all other benefits included in the program. These Safe Driver Benefits are inflation-protected, meaning they will grow by 5% each year for 10 years to guard you against annual inflation. Additionally, it includes a lump sum payment of up to $160,000 in the case of suffering a permanent disability from a covered motor vehicle accident.
Monthly benefits up to
$5,000
| Level of Protection: | From $100 to $5,000 |
| Elimination Period: | 0 days to 15 days |
| Safe Driver Benefits: | Up to $1,600 per month; up to 6 months; Paid to you every month you’re Totally Disabled because of a covered motor vehicle injury. Paid in addition to your All Accident Benefit. |
| Hospital Coverage: | Up to $12,000 per month; $400/day; up to 60 days |
| Death Lump Sum Payout: | $20,000 paid in one lump sum to your beneficiary in the event of your death, as a result of a covered motor vehicle injury, within 365 days of such injury. |
| Safe Driver Inflation Protection: | Yes. Eligible Safe Driver Benefits increase 5% per year for 10 years. At the end of 10 years, these benefits will have reached their maximum value of 150% of the original amount. |
| Permanent Total Disability: | Up to $160,000; Paid to you in the event of a covered motor vehicle injury; $20,000 first year with $20,000 increase every year on renewal up to maximum of $160,000 |
| Guaranteed Renewable: | Up to 85 |
| Fixed Benefit (even if your income has fluctuated when you make a claim): | Yes |
General FAQs
How is this different from my health or life insurance policy?
Disability insurance ensures you have an ongoing monthly income to support the financial needs of you and your family when you suffer an illness or injury that effects your ability to earn your income.
Why do I need this?
Every North American is reliant on an income to provide themselves necessities like shelter, food, heat, hydro, clothing etc. Losing your ability to earn an income due to an illness or injury leaves you vulnerable without the appropriate protection. 1 in 3 Canadians lose their ability to work at least 90 days (CLHIA)
How much is a policy?
Costs are determined based on a level that you select and qualify for. Contact us to speak with an Agent about your personal needs to provide you an accurate quote.
Who’s eligible?
We’ve designed our plans to help the self-employed and tradespeople. You’re eligible if you qualify for the plan.
What are the different types of disability insurance?
- Income replacement: Provides a monthly paycheque.
- Accident: Protects your income when there is an incident with external forces that causes you a disability.
- Sickness: Protects your income when an illness is produced over the course of time. This includes repetitive wear and tear as the condition is produced over time rather than from an injury as outlined above.
- Dismemberment: A lump-sum payout in the case of a dismemberment.
- Hospitalization: Pays out when you are confined to a hospital.
Does the company recognize chiropractors?
Yes. As long as they are licensed, they can sign your claim form just the same as licensed medical doctors.
When am I protected?
Our Accident plans protect you 24 hours per day, every day, on or off the job. Our Sickness plans protect you whenever you fall ill. Our Safe Drivers Plan protects you whenever you’re in a car, bus or truck, as a passenger or driver.
How do I make a claim?
Visit your doctor and then call the Accident & Sickness Department at 1-888-392-3857.
Key Benefits
- •Choose your own physician or chiropractor for medical attention
- •No benefit limits for soft tissue injuries or back injuries or sprains/strains
- •Empire Life Pays your Full Benefit Regardless of any other Benefits You Receive
- •No taxes withheld
- •Benefits paid directly to you
- •Available to qualified applicants only
Brochures
- Disability Lifetime Accident Benefits
Document size: 830kb - Hospital & Disability Accident Benefits
Document size: 804kb - Disability 5 Year Accident Benefits
Document size: 653kb - Safe Driver Plan
Document size: 725kb
