Accidental Death And Dismemberment


RTO/ERO’s Accidental Death and Dismemberment (AD&D) Insurance Plan provides financial protection in the event of a serious accident. RTO/ERO members and their spouses who are under age 85 can enroll in the plan, and acceptance is guaranteed. You choose the maximum benefit payable, either Plan A - $150,000 or Plan B - $75,000. Benefits are reduced by 50% at age 70, and the plan terminates at age 85.

"It couldn't happen to me"

No one expects to be involved in a serious accident, yet chances are that you know at least one person who has. Statistics Canada indicates that accidents are the third leading cause of death each year. If you survive a serious accident you could be faced with great and immediate financial problems in addition to loss of limbs, eyesight, speech or hearing. Paralysis or the loss of use of hands, feet, arms or legs also cause major setbacks in a person's life. Unfortunately, no one has control over the fact that an accident may happen. You do, however, have a measure of control over the financial outcome of such an event. By taking a few minutes to consider this plan you will allow yourself the freedom of choosing financial protection for you and your family should a major accident occur.

Who Is Eligible

You and your spouse can apply for coverage if you are under age 85. Your acceptance into the plan is guaranteed - you cannot be turned down!

Benefit Table 

You are covered for any accident resulting in any of the following losses - anywhere in the world - 24 hours a day. The benefits shown below in "Benefit - Plan A" are based on the $150,000 plan. The benefits shown below in "Benefit - Plan B" are based on the $75,000 plan.




Life 150 000 $ 75 000 $
Both hands $150,000 $75,000
Both feet $150,000 $75,000
Entire sight of both eyes $150,000 $75,000
One hand and one foot $150,000 $75,000
One hand and entire sight of one eye $150,000 $75,000
One foot and entire sight of one eye $150,000 $75,000
One arm or one leg $112,500 $56,250
One hand or one foot $112,500 $56,250
Entire sight of one eye $75,000 $37,500
Hearing in both ears and speech $150,000 $75,000
Speech $75,000 $37,500
Hearing in both ears $75,000 $37,500
Hearing in one ear $25,000 $12,500
Quadriplegia $150,000 $75,000
Paraplegia $150,000 $75,000
Hemiplegia $150,000 $75,000
Use of both hands $150,000 $75,000
Use of both feet $150,000 $75,000
Use of one arm $112,500 $56,250
Use of one leg $112,500 $56,250
Use of one hand $75,000 $37,500
Use of one foot $75,000 $37,500



The total of the above benefits payable for one person's losses as a result of one accident will not exceed the plan you’ve chosen. Your spouse can be insured for the same benefits as yourself. Benefits reduce by 50% at age 70. Coverage terminates at age 85.

Exposure and Disappearance

If you have an accident and are unavoidably exposed to the elements which results in one of the above losses, the above noted benefits will be paid. If you are riding in or on any conveyance which is wrecked, sinks or disappears as a result of an accident and you are not found within a year of the accident, the plan will pay the accidental death benefit.



When accidental death occurs outside Canada, the plan will pay up to $2,500 to have the body brought home.



You are not covered for losses resulting from suicide or self-destruction while sane or insane; active full-time service in the armed forces; declared or undeclared war; nor flying other than as a passenger in an aircraft certified as air-worthy.


Monthly Premium Rates

A - $150,000 $12.50 $23.95
B - $75,000 $7.50 $12.95

How to Enroll

Please call Johnson Inc., Group Service Department at 1.877.406.9007, toll-free or from the Toronto area 416.920.7248 (local) to receive a brochure with application form.

Money Back Guarantee 

After receiving your Policy, you have 10 days to review it. If you are not completely satisfied, return it and your entire payment will be refunded - with no questions asked.