Accidental Death & Dissmemberment (AD&D)

View the quick print version of the information below.


Who is eligible?
If you have been hired as a permanent employee to work at least 40% of a regular work week, you are entitled to coverage for you, your spouse and dependents. 
Your spouse is defined as someone to whom you are married legally or common law (defined as having lived with your partner for 12 months or more).  This includes a spouse of the same sex.
Your dependent child is defined as an employee's or spouse's child who: 
is either under age 21 or under age 26 and a full-time student at an accredited school, college, or university; and 
is unmarried (legally or common law); and
is not employed on a full-time basis; and
is not eligible for benefits as an employee under this or any other group plan. 
A child who is incapable of employment due to a mental or physical condition that occurred before reaching the maximum age will continue to be covered if approved by the insurance company.
When will coverage begin?
Optional AD&D Insurance coverage starts on the first of the month next following the date the enrollment card is received by the Policy holder.
When will coverage end?

Your Optional AD&D coverage ends when you are no longer eligible, retire, reach age 70, or if your employment is terminated, whichever comes first .

Optional AD&D Insurance coverage for your spouse and dependents ends when they no longer meet the definition of spouse or dependent, you, or your spouse reach 70, your employment is terminated, or at your retirement, whichever comes earlier.


What is covered?

This coverage provides a benefit to you in the event of an accidental injury, or to the beneficiary in the event of an accidental death. Coverage is available in units of $10,000, to a maximum of $300,000. You may choose to cover only yourself, or choose to include your spouse and/or dependents.

If you select family coverage, you are covered for 100% of the benefit, the benefit paid for your spouse and/or children will be a percentage of your coverage. The benefit amount depends on the composition of your family at the time of the claim:

Family Composition

at Time of Claim

Employee Benefit

(% of Coverage)

Spousal Benefit

(% of Coverage)

Child Benefit

(% of Coverage)

Employee Only




Employee, Spouse Only




Employee, Spouse and Child(ren)




Employee, Child(ren) Only




What are the exceptions?

Loss must be as a result of an accident.  Accident means a sudden and unexpected mishap or event in which an insured person is involved and which directly results in an injury to the insured person.

Claim must be submitted within 30 days from the date of the accident.  If not possible to submit claim within 30 days, the claim must be submitted within one year from the date of the accident.

This policy does not cover any loss, fatal or non-fatal, caused or contributed by:

  • Suicide or intentional self-inflicted injury
  • War, whether declared or not
  • Participation in a riot, insurrection, civil commotion or disturbance
  • Active full-time, part-time, or temporary service in the armed forces of any country
  • Riding as a passenger or otherwise in any vehicle or device for aerial navigation, other than as provided under the “Aircraft Coverage” section on the website.
  • Medical treatment or surgery, except if the medical treatment or surgery was needed because of an accident.


How do I make a claim?

In the event of a claim, you or your beneficiary must notify your employer.  Written notice of injury must be given to SSQ Insurance within 30 days after the date of the accident and written proof within 90 days.  If not reasonably possible to provide proof within the above timeframe, than no later than 365 days after the accident.  

If you need to contact SSQ Insurance they can be reached by emailing or toll-free at 1-855-395-2520 regarding claims.



What happens during a leave of absence?

If you take an approved paid leave of absence your deductions and coverage would continue.

If you take an approved unpaid leave of absence, you may continue for up to 12 months.  If you take an approved maternity or parental leave, you may continue for the duration of the leave.  If your leave is 12 months or less and you choose not to continue the benefits during your unpaid leave, coverage is reinstated when you return to work.  For leaves longer than 12 months, you must reapply. 

If you are on an approved sick leave you may continue benefits.

If you are approved for Health Association Nova Scotia Long Term Disability (LTD) benefits, coverage may continue and premium payments waived if you make application within 12 months from your last day worked.  

What happens to coverage when I retire?

Coverage ceases under this plan.  
Can I convert coverage?

Conversion to an individual insurance contract may apply, please contact SSQ  Financial Group’s customer service department at 1-800-565-4550.  

You must apply within 31 days from the date coverage is lost .