The Accidental Dismemberment Insurance Plan (ADIP) provides a lump-sum benefit to Canadian Armed Forces (CAF) personnel for an accidental dismemberment or the loss of sight, speech or hearing, described in the Schedule of Indemnities which is attributable to military service and occurred by way of accidental, external, and violent means. The benefit will be paid upon receipt of due proof, to the satisfaction of the Insurer, Manulife, that:
- the injury occurred while the member was insured under this coverage;
- the loss occurred within 365 days of the injury; and
- the loss resulted directly and solely from the injury and independently of all other causes.
Frequently Asked Questions
Am I eligible for ADIP coverage? Effective 13 February 2003, Regular Force, Reserve Force Class C, Primary Reserve Force Class A and B members and, effective 06 December 2012, COATS, RETP and Canadian Rangers are covered by the ADIP. Senior officers covered by the General Officers Insurance Plan (GOIP) or the Reserve GOIP are not eligible for ADIP benefits.
What does "attributable to military" service mean? "Attributable to military service" is interpreted as meaning "arose out of or is directly connected with military service." While most injuries that occur while on duty are attributable to military service, the one does not necessarily follow the other. For instance, if a member was injured while on duty as a direct result of improper conduct, it should not be considered attributable to military service. On the other hand, an injury might occur while not on duty but as a result of the dangerous condition of military quarters, it could be considered attributable to service.
How do I become insured? Coverage is automatic for all Regular Force, Reserve Force Class C, Primary Reserve Force Class A and B members, COATS, RETP and Canadian Rangers. No application form is necessary.
In what instances will a loss not be covered by this ADIP policy? No ADIP benefit will be payable for any loss caused wholly or partly, directly or indirectly, by:
- Disease, or bodily or mental infirmity, or medical or surgical treatment thereof;
- Ptomaines or bacterial infections, except infection introduced through a visible wound accidentally sustained;
- Self-destruction or self-inflicted injury, whether mentally incapacitated or not; or
- A service attributable loss that occurred prior to 13 February 2003.
- A service attributable loss that occurred prior to 6 December 2012 for COATS, Canadian Rangers and RETP
Am I still covered by the Long Term Disability (LTD), administered by SISIP Financial, if I have an accidental dismemberment that is not attributable to military service? Yes. Under specific circumstances, you may be eligible to receive accidental dismemberment benefits under the LTD plan's dismemberment clause. There is no provision for a lump sum payment for accidental dismemberment in the LTD.
What if I was injured while on duty but my loss occurred after the fact? You may receive the ADIP benefit if the loss occurred within 365 days of the injury and resulted directly and solely from the injury and independently of all other causes.
Am I eligible for the 75% LTD benefits if I get an ADIP benefit?
Yes. If you are released from the CAF for medical reasons, or if you are considered totally disabled on release, you may be eligible for the LTD
Who governs the ADIP? Although it is a CAF plan, the Treasury Board of Canada has governance of the ADIP.
Who is the administrator of the ADIP? SISIP is the administrator of the ADIP.
Is the ADIP benefit a taxable benefit? The ADIP lump-sum payment benefit is not taxable to the claimants. However, the premium paid by the employer for the cost of the benefits area taxable premium
Who pays the premiums? DND pays the ADIP premiums for Regular Force members (approximately $7 per member per year) and for Reserve Force Class C, Primary Reserve Force Class A and B members (approximately $3 per member per year). The premiums represent a taxable benefit for the CAF serving members residing in the province of Quebec and will be included on their T-4 slips.
Schedule of Indemnities
(in effect as of 06 December, 2012)