Optional AD&D Insurance

Accidents happen. If tragedy strikes, this optional insurance provides coverage in the case of accidental death, dismemberment, brain death, or loss of speech, sight, or hearing.

To Apply

To apply, complete the SSQ Insurance Voluntary AD&D application form and give it to your employer who should forward the original to the BCCA Employee Benefit Trust office (keep a copy for your records). Coverage is effective the date the BCCA Employee Benefit Trust receives the application form. You will receive an email confirming the application has been received.

Coverage

Coverage is available in units of $25,000, up to a maximum of $300,000. Single or Family coverage is available and no medical evidence is required for this coverage. Employees can apply at any time, provided they have satisfied the waiting period applicable for their group.

Premiums

Because this coverage is optional, 100% of premiums are paid by the employee. Please ensure your payroll is adjusted accordingly.

To apply, complete the SSQ Insurance Voluntary AD&D application form and give it to your employer who should forward the original to the BCCA Employee Benefit Trust office (keep a copy for your records).

Reduction

Coverage reduces by 50% at the age of 65.

Termination

Coverage terminates at the age of 70 or earlier retirement, whichever comes first. The employee can also terminate their coverage at any time by emailing the BCCA Employee Benefits office.

Payroll Deductions

Deductions should commence on the first of the month coincident with or following the date the application form is received by the BCCA Employee Benefits office.

Beneficiary

The beneficiary for any spousal/child or dismemberment benefit amount is automatically the employee. The beneficiary for any employee voluntary AD&D benefit can be designated by the employee on their original SSQ Insurance Voluntary AD&D application and/or the BCCA Employee Benefits Enrolment or Change form.