Child Life & Accident

Basic life and accident coverage for your child(ren).
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If you have children, don’t let financial concerns get in the way of getting the best treatment for them in case of a serious accident.

To add this coverage to your certificate,  please call our Licensed Insurance Advisors.

If you have children, you wouldn't want financial concerns to get in the way of getting the best treatment for them in case of a serious accident. Engineers Canada-sponsored Child Life & Accident is insurance for children that provides:

Plan Details

Child Life & Accident Coverage Details

Two benefits included for children. Child Life & Accident combines Major Impairment accident coverage with Term Life insurance.

One premium covers all children. A single low monthly premium covers ALL your eligible dependent children, regardless of how many you have.  Newborn children are automatically covered (no additional application needed) upon reaching the age of 15 days, at no additional cost.

Lump sum benefit amount per child. Each unit of coverage provides up to $100,000 of Major Impairment benefits plus $5,000 of Term Life insurance. With the maximum 5 units, that goes up to $500,000 and $25,000, respectively, for each covered child. The minimum benefit amounts payable are outlined below:

Minimum lump sum benefit amount payable, per unit
 Major Impairment
 covered losses
 Amount payable
 per unit
 Total and permanent Paralysis
 or Loss of Use of two limbs
 Brain Damage  $50,000
 Total and permanent Loss
 of Sight or Hearing or Speech
 Loss of one Hand and
 one Foot
 Loss of one Hand or one
 Foot and Sight of one Eye
 Loss of Use of both
 Hands or both Feet
 Loss of Use of one Arm or
 one Leg
 Loss of Use of one
 Hand or one Foot
 Total and Permanent Loss of
 Sight in one eye
 Loss of Thumb and Index
 Finger of the Same Hand
 Total and Permanent Loss of
 Hearing in one ear
 Total and Permanent Loss of
 Hearing in one ear
 Loss of Four Fingers of
 One Hand
 Loss of All Toes on
 One Foot
Minimum lump sum Term Life Insurance benefit amount payable, per unit
 Term Life
 insurance benefit
 Amount payable
 per unit
 Death by any cause  $5,000

Determining your eligibility

Members and employees participating in Term Life or Major Accident Protection insurance plans are eligible to apply for Child Life & Accident Insurance for any of their children who are:

  • unmarried
  • dependent on the Member/Employee for support, and
  • over 14 days but under 25 years of age. (Children over age 21 must be in full-time attendance at an accredited college or university.)

Major Impairment benefits are not payable if impairment results from war, whether declared or not, or any act of war or insurrection.

Term Life benefit is not payable if death results from suicide.


Child Life & Accident Rates
Child Life & Accident – Monthly premiums*
   1 unit  2 units  3 units  4 units  5 units
 Up to  $100K  Up to  $200K  Up to  $300K  Up to  $400K  Up to  $500K
 $5K  $10K  $15K  $20K  $25K
 $1.17  $2.34  $3.51  $4.68  $5.85

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