The ADIP provides a lump-sum benefit to Canadian Forces (CF) 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 that satisfies the Insurer, Manulife Financial, that:
Am I eligible for ADIP coverage?
Effective 13 February 2003, Regular Force, Reserve Force Class C, and Primary Reserve Force Class A and B members 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.
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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 be considered attributable to military service. On the other hand, and 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.
Coverage is automatic for all Regular Force, Reserve Force Class C, and Primary Reserve Force Class A and B members. 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;
• Ptomains or bacterial infections, except infection introduced
through a visible wound accidentally sustained;
• Self-destruction or self-inflicted injury, whether
the member was sane or insane; or
• A loss that occurred prior to 13 February 2003.
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What if I had an accidental dismemberment that was attributable
to military service before 13 February 2003?
Under The Injured Military Members Compensations Act you may be eligible for a lump sum benefit for a service-related injury on or after 1 October 1972 and before 13 February 2003. Former on serving members or representatives of estates of deceased members who believe they are eligible may apply for the benefit. The Department of National Defence (DND) point of contact for program administration is the Centre for the Support of Injured and Retired Members and Their Families and can be reached at 1-800-883-6094 or www.dnd.ca/hr/thecentre.
Am I still covered by Long Term Disability (LTD), administered by SISIP Financial Services (SISIP FS), 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 90 days of the injury and resulted directly and solely from the injury and independently of all other causes.
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Am I eligible for the 75% LTD benefits if I get an ADIP benefit?
Yes. If you are released from the CF for medical reasons, or if you are considered totally disabled on release, you may be eligible for the LTD benefits.
Although it is a CF plan, the Treasury Board of Canada has governance of the ADIP.
Who is the administrator of the ADIP?
SISIP FS is the administrator of the ADIP.
Is the ADIP benefit a taxable benefit?
No, the ADIP lump-sum payment benefit is not taxable to the
claimants.
DND pays the ADIP premiums for Regular Force members (approximately $7 per member per year), and for Primary Reserve Class A, B, and C members (approximately $3 per member per year). The premiums represent a taxable benefit for the CF serving members residing in the province of Quebec and will be included on their T-4 slips.
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Schedule of Indemnities
Regular Force & Reserve Force Class C:
| $250,000 of insurance
for loss* of: |
• Both Hands
• Both Feet
• Sight of Both Eyes
• One Hand and One Foot
• One Hand and Sight of One Eye
• One Foot and Sight of One Eye
• Hearing
• Speech |
| $125,000 of insurance
for loss* of: |
• Sight of One Eye
• One Hand
• One Foot |
| $62,500
of insurance for loss* of: |
• Thumb and
Index Finger of Same Hand |
Primary Reserve Force: Class A and Class B:
Amount of Insurance for Class A and short term Class
B members up to $100,000
Amount of Insurance for long-term Class B members
up to $250,000
| Full amount of
insurance for loss* of: |
• Both Hands
• Both Feet
• Sight of Both Eyes
• One Hand and One Foot
• One Hand and Sight of One Eye
• One Foot and Sight of One Eye
• Hearing
• Speech |
| One half of the
full amount of insurance for loss* of: |
• Sight of One Eye
• One Hand
• One Foot |
| One-quarter
of the full amount of insurance for the loss* of: |
• Thumb and
Index Finger of Same Hand |
Note:The total amount payable for all losses suffered by any one member and resulting from any one accidental shall not exceed the full amount of insurance.
