Protect Your Team from Life’s Unexpected Tragedies
Protect Your Team from Life’s Unexpected Tragedies
When accidents happen, the right protection makes all the difference. Group Accidental Death & Dismemberment (AD&D) Insurance helps employees and their families recover financially from serious injury or loss — offering security when life takes an unexpected turn.
Group Accidental Death & Dismemberment (AD&D) Insurance provides financial protection if an employee suffers a fatal or life-altering accident. It pays a lump sum to the employee or their beneficiary in cases of accidental death, or partial benefits for serious injuries such as loss of limbs, sight, or hearing.
Including AD&D as part of your employee benefits plan demonstrates your company’s commitment to safeguarding your workforce — beyond standard health or life insurance.
Workplace Benefits partners with leading Canadian carriers like Manulife, Sun Life, Canada Life, and Desjardins, providing expert advice and competitive coverage options for organizations across Alberta, British Columbia, and Ontario.
Why AD&D Insurance Matters
A thoughtful life insurance plan does more than provide financial protection — it shows your employees that their well-being truly matters.
For Employees
Provides vital financial support after unexpected accidents.
Helps cover medical expenses, rehabilitation, or home modifications.
Ensures families are protected from sudden income loss.
Offers peace of mind and a sense of security while at work and at home.
For Employers
Demonstrates genuine care for employee safety and well-being.
Strengthens recruitment and retention through comprehensive benefits.
Enhances morale and loyalty by supporting staff through difficult times.
Offers affordable protection that complements existing life insurance coverage.
When life changes in an instant, AD&D protection helps your people stay strong — and your business stay compassionate.
Types of AD&D Coverage
Every business is different. We help you choose the level of protection that aligns with your team’s needs and budget.
Basic AD&D Insurance
Included automatically in many group life insurance plans, providing coverage for accidental death or serious injury.
Optional or Voluntary AD&D
Employees can choose to purchase additional coverage at group rates for themselves and their families.
Family Coverage Options
Extend protection to spouses and dependents, ensuring financial security for the entire household.
What’s Typically Included
Comprehensive AD&D plans may cover:
Accidental death and loss of use benefits
Loss of limbs, sight, hearing, or speech
Paralysis or severe burns
Medical and rehabilitation expenses
Repatriation benefits (return of remains)
Family transportation and dependent care
Education benefits for surviving children
Coverage for accidents on or off the job
All coverage is clearly explained — no fine print, no confusion.
How Workplace Benefits Works With Employers
Our proven four-step process ensures your benefit plan fits your goals perfectly:
Assess
We take time to understand your workforce, industry, and budget.
1
Compare
We evaluate coverage options from all major Canadian carriers.
2
Customize
We design a plan tailored to your company’s unique needs.
3
Support
We handle implementation, renewals, and employee education.
4
Because we’re an independent broker, you’ll always get unbiased advice and the best possible value.
Why Choose Workplace Benefits
Partnering with us means having a trusted benefits advisor on your side:
Independent Expertise
Independent brokerage partnering with all major carriers
Tailored Solutions
Tailored benefit design for organizations of every size
Dedicated Support
Transparent advice and proactive cost management
Cost Optimization
Dedicated account support for renewals and claims
National Reach
Serving businesses across Alberta, British Columbia, and Ontario.
Frequently Asked Questions
Everything you need to know about employee health benefits
Is AD&D insurance the same as life insurance?
Not exactly. Life insurance covers death from any cause, while AD&D covers only accidental death or serious injury. Many employers offer both for full protection.
Does AD&D cover injuries outside of work?
Yes — most plans cover accidents anywhere, 24/7, not just on the job.
Can employees add family members to their AD&D coverage?
Yes, optional family coverage can be added to protect spouses and dependents.
How are AD&D benefits paid?
Benefits are typically paid as a lump sum directly to the employee or their beneficiary after a covered accident.
How much does AD&D coverage cost?
Group AD&D insurance is one of the most affordable benefits available, especially when bundled with group life insurance.
Get Started with Group AD&D Coverage
Protect your team and strengthen your company culture with group AD&D insurance. Whether you’re setting up a new plan or reviewing your current benefits, our advisors will help you find the most competitive rates and coverage options in Canada.
Workplace Benefits designs cost-effective employee benefits & retirement plans across Alberta, BC & Ontario—helping businesses protect teams, control costs, and retain top talent.
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