Assault

In the event an Insured Person suffers a Specific Loss resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay an additional indemnity equal to ten percent (10%) of the applicable indemnity payable under that section, subject to a maximum of twenty-five thousand dollars ($25,000), if the Injury is caused by an Assault on premises owned or rented by the Policyholder or if the Assault occurred while the Insured Person was travelling on company business. However, no benefit will be payable under this section if the Assault was the act of another employee of the Policyholder or an Immediate Family Member of the Insured Person or a member of the Insured Person’s household.

Bereavement

In the event an Insured Person suffers a Loss of Life resulting from Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay the reasonable and necessary expenses associated with grief counselling actually incurred within three hundred and sixty-five (365) days after the date of the Accident resulting in such loss, and provided by a Professional Counsellor for:

1. your insured Spouse and/or your insured Dependent Children, in the event that you are the Insured Person who suffers a Loss of Life; or
2. you and/or your insured Dependent Children, in the event that your insured Spouse is the Insured Person who suffers a Loss of Life; or
3. you and/or your insured Spouse, in the event that your insured Dependent Child is the Insured Person who suffers a Loss of Life. The Insurer will pay such expenses for up to a maximum of six (6) grief counselling sessions subject to an overall maximum of two thousand five hundred dollars ($2,500) in relation to the death of the Insured Person. This benefit will not pay for any grief counselling provided by a person who would not ordinarily charge a fee for his services. The indemnity will be payable to the person who actually incurred the expenses. Indemnity under this section will be paid in excess of any other insurance or indemnity plans only for the amount which has not been covered after all other insurance or indemnity plans or other form of reimbursement have been exhausted, provided the amount is equal to or less than the reasonable and necessary charge.

Benefits are coordinated between both policies. All other benefits are payable under both.

Brain Damage

In the event an Insured Person suffers Brain Damage as a result of an Injury, the Insurer will pay the Principal Sum, less any other amount paid or payable under the section of this booklet entitled “Specific Loss Accident Indemnity” as the result of the same Accident, provided:

1. The Insured Person incurs Brain Damage within one hundred and twenty (120) days from the date of the Accident; and
2. The Insured Person is hospitalized as a result of Brain Damage at least seven (7) of the first one hundred and twenty (120) days of the Injury; and
3. A Physician determines and the Insurer is satisfied that the Insured Person has evidence of Brain Damage for at least six (6) consecutive months.

Carjacking

In the event an Insured Person suffers a Specific Loss resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay an additional indemnity equal to ten percent (10%) of the applicable indemnity payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, if the Injury occurs during a carjacking of an automobile that the Insured Person was operating, getting into or out of, or riding as a passenger, subject to a maximum of ten thousand dollars ($10,000). Verification of the carjacking must be made part of an official police report within twenty-four (24) hours of the carjacking, or as soon as reasonably possible, or be certified in writing by the investigating officer(s) within twenty-four (24) hours of the carjacking, or as soon as reasonably possible, and the Insurer must receive a copy of the relevant police report or certification in order for any indemnity to become payable under this section.

Comatose

In the event a Physician determines that an Insured Person has become Comatose as a result of an Injury, the Insurer will pay an indemnity equal to the amount of the Principal Sum less any other amount paid or payable under the section of this booklet entitled “Specific Loss Accident Indemnity” as the result of the same Accident, provided:

1. The Insured Person becomes Comatose within three hundred and sixty-five (365) days after the date of the Accident; and
2. The Insured Person has been Comatose for at least sixty (60) consecutive days.

Cosmetic Disfigurement

In the event an Insured Person suffers a Burn resulting from an Injury, the Insurer will pay an indemnity determined by multiplying the applicable Area Classification Factor, as shown in the following Cosmetic Burn Indemnity Schedule, by the percentage of body surface actually burned subject to the Maximum Allowable Percentage for Body Surface Burned as stipulated in the Cosmetic Burn Indemnity Schedule. The Maximum Allowable Percentage for Body Surface Burned, as shown in the following Cosmetic Burn Indemnity Schedule, is based on one hundred percent (100%) of the specific body part that was burned. The attending Physician will determine the actual percentage applicable to each burn.

If an Insured Person suffers a Burn or Burns to more than one (1) body part as a result of any one (1) Accident, indemnities payable for all such Burn or Burns will not exceed one hundred percent (100%) of the Insured Person’s Principal Sum.

In the event indemnities are payable under this section and any of the sections entitled “Specific Loss Accident Indemnity”, “Permanent Total Disability Indemnity”, “Comatose Benefit” or “Brain Damage Benefit”, the total amount payable under all such sections will not exceed one hundred percent (100%) of the Insured Person’s Principal Sum or, in the case such indemnities include an indemnity for Paralysis, two hundred percent (200%) of the Insured Person’s Principal Sum.

Critical Illness Benefit

In the event you (to be referred to within this section as the “Insured Person”) is Diagnosed with a Critical Illness after your respective individual coverages under the policy have been in effect for a minimum period of ninety (90) consecutive days, the Insurer will pay an indemnity of two thousand dollars ($2,000) provided that such Insured Person is still living at the end of the Survival Period and subject to the exclusions listed in the present section of this booklet.
The above indemnity will be paid to the Insured Person who is Diagnosed with the Critical Illness.

Should an Insured Person claim for a Critical Illness which occurred or was diagnosed outside of Canada, such Insured Person may be eligible to receive indemnity under this section upon that person’s return to Canada. Prior to determining eligibility, however, the Insurer will have the right to require that the Insured Person obtain, on his return to Canada, a Diagnosis by a Physician in Canada.

Wherever used in the present section of this booklet, “Critical Illness” means one of the following illnesses, conditions or surgical operations:

1. Cancer (life-threatening);
2. Coronary artery bypass surgery;
3. Heart Attack;
4. Stroke (cerebrovascular accident).

Any illness or health problem which is not included in the definition of Critical Illness in the present section of this booklet is not covered and therefore no indemnity is payable in respect of such illness.

a) “Cancer” (life-threatening) means a definite Diagnosis of a tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The Diagnosis of Cancer must be made by a Specialist.

Exclusion
No benefit will be payable under this condition for the following non-life-threatening cancers:

1. carcinoma in situ; or
2. Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without Clark level IV or V invasion); or
3. any non-melanoma skin cancer that has not metastasized;
4. or Stage A (T1a or T1b) prostate cancer.

Moratorium Period Exclusion
No benefit will be payable under this condition if, within the first ninety (90) days following the later of:

• the effective date of the Insured Person’s insurance or
• the effective date of last reinstatement of the Insured Person’s insurance, the Insured Person has any of the following: signs, symptoms or investigations, that lead to a diagnosis of cancer (covered or excluded under the Policy), regardless of when the Diagnosis is made; or a diagnosis of cancer (covered or excluded under the Policy).

This medical information as described above must be reported to the Insurer within six (6) months of the date of the Diagnosis. If this information is not provided, the Insurer has the right to deny any claim for Cancer or, any Critical Illness caused by any cancer or its treatment.

b) “Coronary artery bypass surgery” means the undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass graft(s), excluding any non-surgical or trans-catheter techniques such as balloon angioplasty or laser relief of an obstruction. The coronary artery bypass surgery must be determined to be medically necessary by a Specialist.

c) “Heart Attack” means a definite Diagnosis of the death of heart muscle due to obstruction of blood flow, that results in rise and fall of biochemical cardiac markers to levels considered diagnostic of myocardial infarction, with at least one (1) of the following:

• heart attack symptoms;
• new electrocardiogram (ECG) changes consistent with a heart attack; or
• development of new Q waves during or immediately following an intra-arterial cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty.

The Diagnosis of Heart Attack must be made by a Specialist.

Exclusion
No benefit will be payable under this condition for:

• elevated biochemical cardiac markers as a result of an intra-arterial cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty, in the absence of new Q waves; or
• ECG changes suggesting a prior myocardial infarction, which do not meet the Heart Attack definition as described above.

d) “Stroke” (cerebrovascular accident) means a definite Diagnosis of an acute cerebrovascular event caused by intra-cranial thrombosis or haemorrhage, or embolism from an extra-cranial source, with:

acute onset of new neurological symptoms; and new objective neurological deficits on clinical examination, persisting for more than thirty (30) days following the date of Diagnosis.

These new symptoms and deficits must be corroborated by diagnostic imaging testing. The Diagnosis of Stroke must be made by a Specialist.

Exclusion
No benefit will be payable under this condition for:

• transient ischaemic attacks; or
• intracerebral vascular events due to trauma; or
• lacunar infarcts which do not meet the definition of Stroke as described above.

“Diagnosis” or “Diagnosed” refers to the determination by a Specialist, using tests or other diagnostic methods, that the Insured Person has a specific illness covered under the Policy. The Diagnosis of any covered illness must be made in Canada by a Specialist licensed to practice in Canada. Furthermore, his area of practice must include the area of medicine directly related to the illness in question.

“Irreversible” means a condition of the Insured Person where the prognosis cannot be improved by medical or surgical treatment at the time of Diagnosis.

However, when the prognosis could be improved by medical or surgical treatment but would impose, in the opinion of the Insured Person’s Physician, a risk to the Insured Person’s health that would outweigh the expected benefit(s) of such treatment, the condition is then also considered as Irreversible for the purpose of this definition.

“Survival Period” means the thirty (30) days following the date of Diagnosis. The Survival Period does not include days on Life Support as defined in the present section of this booklet.

“Life Support” means the Insured Person is under the regular care of a Physician and is kept alive due to nutritional, respiratory and/or cardiovascular support, even if Irreversible cessation of all brain functions has occurred.

“Specialist” means a licensed Physician who has been trained in the specific area of medicine relevant to the covered Critical Illness condition for which benefit is being claimed, and who has been certified by a specialty examining board. In the absence or unavailability of a Specialist, and as approved by the Insurer, a condition may be diagnosed by a qualified Physician practising in Canada. Specialist includes, but is not limited to, cardiologist, neurologist, nephrologist, oncologist, ophthalmologist, burn specialist and internist. The Specialist must not be the Insured Person, a relative of or business associate of the Insured Person.

Critical Illness Benefit Exclusions
No indemnity will be paid if a Critical Illness results directly or indirectly from any one or more of the following causes or situations:

1. Within ninety (90) days following the Insured Person’s effective date of individual coverage:
   1. diagnosis of cancer is made; or
   2. any sign(s) or symptom(s) of, or investigation(s) leading to, a diagnosis of cancer, regardless of when the diagnosis is made.
2. The Insured Person does not survive the Survival Period.
3. The Insured Person experiences Irreversible cessation of all brain functions before the end of the Survival Period;
4. The Insured Person suffers a self-inflicted Injury, Sickness or Disease, whether the Insured Person was sane or insane at the time of such infliction.
5. The Insured Person has used illicit drugs, or any drug other than as prescribed, recommended or administered by or in accordance with the instruction of a Physician, whether or not such drugs are available only by prescription.
6. The Insured Person has any cancer that manifests itself prior to the Insured effective date of individual coverage when the same cancer either recurs or metastasizes after such effective date.

The Insurer will only pay one (1) indemnity under this section for any Insured Person.

Day Care

In the event you or your insured spouse suffer a Loss of Life resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay the reasonable and necessary expenses actually incurred for Day-Care Centre attendance for any Dependent Child under thirteen (13) years of age at the date of the Insured Person’s death and who on the date of or within the following three hundred and sixty-five (365) days after such Insured Person’s death, is enrolled or enrolls in a Day-Care Centre, to the lesser of the following amounts:

1. five percent (5%) of such deceased Insured Person’s Principal Sum; or
2. five thousand dollars ($5,000), for each year (up to five (5) consecutive years) per Dependent Child during which such Dependent Child remains enrolled in a Day-Care Centre. The total maximum payable under this section will not exceed five thousand dollars ($5,000) per year per Dependent Child. The indemnity will be paid each year upon receipt of satisfactory proof that the Dependent Child is enrolled in a Day-Care Centre, but payment will not be made for expenses incurred prior to the Loss of Life of such Insured Person, nor for room, board or other ordinary living, travelling or clothing expenses.

The indemnity payable under this section will be payable to the person who actually incurred the expenses.
The amount payable under this section will be coordinated with any amount which is paid or payable for a same or similar benefit provided under any other policies issued to the Policyholder by the Insurer.

If none of the Insured Person’s Dependent Children satisfy the above requirements or the requirements as shown under the section entitled
“Education Benefit”, the Insurer will pay to your beneficiary the lesser of the following amounts:

1. five percent (5%) of the deceased Insured Person’s Principal Sum; or
2. two thousand and five hundred dollars ($2,500), under only one (1) of the policies issued by the Insurer.

Benefits are coordinated between both policies. All other benefits are payable under both.

Education

In the event you or your insured spouse suffer a Loss of Life resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay the reasonable and necessary tuition fees for any Dependent Child who, on the date of or within the following three hundred and sixty-five (365) days of the Insured Person’s death, is enrolled or enrolls as a full-time student in any Institution for Higher Learning, up to the lesser of the following amounts:

1. five percent (5%) of such deceased Insured Person’s Principal Sum; or
2. five thousand dollars ($5,000), for each year (up to five (5) consecutive years) per Dependent Child during which such Dependent Child remains enrolled as a full-time student in an Institution for Higher Learning.

The total maximum payable under this section will not exceed five thousand dollars ($5,000) per year per Dependent Child.
The indemnity will be paid each year upon receipt of proof satisfactory to
the Insurer that the Dependent Child is enrolled as a full-time student in an Institution for Higher Learning. Payment will not be made for expenses incurred prior to the Loss of Life of such Insured Person, nor for room, board, books or other living, travelling or clothing expenses.
The indemnity payable under this section will be payable to the person who actually incurred the expenses.
The amount payable under this section will be coordinated with any amount which is paid or payable for a same or similar benefit provided under any other policies issued to the Policyholder by the Insurer.

Benefits are coordinated between both policies. All other benefits are payable under both.

Exposure and Disappearance

In the event an Insured Person undergoes unavoidable exposure to natural elements and, as a direct result, suffers a Specific Loss for which indemnity would have been payable under the section of this booklet entitled “Specific Loss Accident Indemnity” if it had been caused by an Accident, the Insurer will pay the amount specified for the same loss as in the section of this booklet entitled “Specific Loss Accident Indemnity”.

In the event an Insured Person is not found within one (1) year following the date of the disappearance or sinking or wrecking of the conveyance in which he was riding at the time of such disappearance or sinking or wrecking and under such circumstances as would otherwise be covered under the section of this booklet entitled “Specific Loss Accident Indemnity”, it will be presumed the Insured Person suffered a Loss of Life resulting from an Injury at the time of such disappearance, sinking or wrecking.

Family Transportation

In the event an Insured Person suffers a Specific Loss resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity” and such Insured Person is under the Regular Care and Attendance of a Physician, the Insurer will pay the reasonable and necessary expenses actually incurred by one (1) Immediate Family Member or family representative for Transportation to the bedside of such Insured Person by the most direct route from the normal place of residence of the Immediate Family Member or family representative, Accommodation in the vicinity, and return to the normal place of residence of such Immediate Family Member or family representative by the most direct route if the Insured Person had been travelling unaccompanied by an Immediate Family Member. Payment will not be made for other ordinary living, travelling or clothing expenses.

The Insurer will not pay any indemnity under this section unless such Insured Person is confined as an inpatient in a Hospital located more than fifty (50)kilometres from his normal place of residence.

Reimbursement of Transportation expenses under this section is limited to the cost of a single return trip to the bedside of the Insured Person while
in Hospital. More than one form of conveyance may be used for the Transportation if necessary, but the indemnity paid will be limited to the Fare or Fares reasonably required for a single return trip. If Transportation occurs in a Motorized Vehicle other than one operated under a license for the conveyance of passengers, then reimbursement of Transportation expenses will be limited to a maximum of thirty-five cents ($0.35) per kilometre travelled for such return trip.

The total maximum amount payable under this section by the Insurer will not exceed fifteen thousand dollars ($15,000) as a result of any one (1) Accident.

The indemnity payable under this section will be payable to the person who actually incurred the expenses.

Funeral Expenses

In the event an Insured Person suffers a Loss of Life resulting from Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay the reasonable and necessary expenses actually incurred at the time of the Insured Person’s death for the services and/or materials provided by a mortician, undertaker, crematorium or funeral home that are related to the burial or cremation of a deceased Insured Person, as well as charges for the purchase of a burial plot, gravesite or mausoleum for the interment of the remains of the Insured Person, including any markers or monuments. The aggregate amount payable under this section shall not exceed the amount of five thousand dollars ($5,000), and the Insurer shall deduct from the amount payable under this section any expenses incurred for preparation of the remains for travel paid or payable under the section of this booklet entitled “Repatriation Benefit”.

The indemnity payable under this section will be payable to the person who actually incurred the expenses.

The amount payable under this section will be coordinated with any amount which is paid or payable for a same or similar benefit provided under any other policies issued to the Policyholder by the Insurer.

Home Alteration and/or Vehicle Modification

In the event an Insured Person suffers a Specific Loss listed below resulting from an Injury:

1. Loss of both feet or legs; or
2. Loss of Use of both feet or legs; or
3. Quadriplegia, Paraplegia or Hemiplegia,

and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity” and such Insured Person requires the use of a wheelchair, as result of such loss, in order to be ambulatory, the Insurer will pay the reasonable and necessary expenses actually incurred by the Insured Person within three (3) years following the date of Loss for home alteration and/or vehicle modification as provided under this section.
To be covered under this section, the alteration or modification must enable the Insured Person to access his residence and/or his vehicle in a wheelchair and must be approved, where required by law, by licensing authorities.

The total maximum amount payable under this section by the Insurer will not exceed twenty thousand dollars ($20,000) as a result of any one (1) Accident.

Identification

In the event an Insured Person suffers a Loss of Life resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity” and the police or similar governmental authority requires identification of the Insured Person’s body, the Insurer will pay the reasonable and necessary expenses actually incurred by one (1) Immediate Family Member or family representative for Transportation to the location of the Insured Person’s body by the most direct route from the normal place of residence of the Immediate Family Member or family representative, Accommodation in the vicinity, and return to the normal place of residence of such Immediate Family Member or family representative by the most direct route, if, at the time of death, the Insured Person had been travelling unaccompanied by an Immediate Family Member. Payment will not be made for other ordinary living, travelling or clothing expenses.

The Insurer will not pay any indemnity under this section unless the Insured Person’s body is located more than fifty (50) kilometres from the Insured Person’s normal place of residence.

Reimbursement of Transportation expenses under this section is limited to the cost of a single return trip to identify the deceased Insured Person. More than one form of conveyance may be used for the Transportation if necessary, but the indemnity paid will be limited to the Fare or Fares reasonably required
for a single return trip. If Transportation occurs in a Motorized Vehicle other than one operated under a license for the conveyance of passengers, then reimbursement of Transportation expenses will be limited to a maximum of thirty-five cents ($0.35) per kilometre travelled for such return trip.

Benefits are coordinated between both policies. All other benefits are payable under both.

The total maximum amount payable under this section by the Insurer will not exceed twenty-five thousand dollars ($25,000) as a result of any one (1) Accident.

The indemnity payable under this section will be payable to the person who actually incurred the expenses.

The amount payable under this section will be coordinated with any amount which is paid or payable for a same or similar benefit provided under any other policies issued to the Policyholder by the Insurer.

Hospital Indemnity

In the event an Insured Person suffers a Specific Loss resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity” and such Injury requires the Insured Person to stay in a Hospital and under the Regular Care and Attendance of a Physician for at least four (4) consecutive days, the Insurer will pay a Daily Indemnity provided such Period of Hospitalization is necessary for the treatment of such Injury. Such Daily Indemnity will be paid from the first Day of Hospitalization, but in no event for more than three hundred and sixty-five (365) days per Accident.

Notwithstanding anything contained to the contrary in the Policy, a Period of Hospitalization which becomes necessary for the treatment of an Injury other than for a Specific Loss will be covered in accordance with the terms of this section, provided such Period of Hospitalization commences:

• within three hundred and sixty-five (365) days after the date of the Accident causing such Injury; and
• while this Insured Person’s individual coverage under the Policy is in force.

Such Daily Indemnity will be calculated as payable from the first Day of Hospitalization, provided the Insured Person is hospitalized for at least four (4) consecutive days.

Only one (1) Period of Hospitalization will be payable for all Injuries sustained by the Insured Person as the result of one (1) Accident.

Occupational Training

In the event you suffer a Loss of Life resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay the reasonable and necessary expenses actually incurred within the following three (3) years after the date of such loss by your Spouse who engages in a formal occupational training program in order to become specifically qualified for active employment in an occupation for which he would not otherwise have sufficient qualifications. Payment will not be made for room, board or other ordinary living, travelling or clothing expenses.

Payment by the Insurer for the total of all expenses incurred by your Spouse under this section will not exceed twenty thousand dollars ($20,000).

The indemnity payable under this section will be payable to the person who actually incurred the expenses.

Psychological Therapy

In the event an Insured Person suffers a Specific Loss resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity” and such Injury requires such Insured Person to undergo psychological therapy, the Insurer will pay an indemnity equivalent to the reasonable and necessary expenses actually incurred within three hundred and sixty-five (365) days after the date of the Accident resulting in such loss for psychological therapy provided by a Professional Counsellor. The Insurer will pay up to a maximum of twelve (12) counselling sessions to an overall maximum of five thousand dollars ($5,000) per any one (1) Accident. This benefit will not pay for any counselling provided by persons who would not ordinarily charge a fee for their services. The above indemnity will be paid to the person who actually incurred the expenses.

Indemnity under this section will be paid in excess over any other insurance or indemnity plans only for the amount which has not been covered after all other insurance or indemnity plans or other form of reimbursement have been exhausted, provided the amount is equal to or less than the reasonable and necessary charge.

Benefits are coordinated between both policies. All other benefits are payable under both.

Public Transportation

In the event an Insured Person suffers a Loss of Life resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay an additional indemnity equal to one hundred percent (100%) of the payable indemnity if, at the time of the Accident, the Insured Person was riding as a passenger in
a regularly scheduled public land, air or water conveyance licensed to carry fare-paying passengers, including a train, bus, taxi, subway, tramway, boat or commercial airplane.

Rehabilitation

In the event an Insured Person sustains an injury which results in a Loss payable in accordance with the terms of this policy, the insurer will pay, within three (3) years from the date of the accident, the reasonable and necessary expenses actually incurred for special training in order to become specifically qualified in an occupation for which he/she would not otherwise have sufficient qualifications.

Payment by the insurer for all such expenses will not exceed twenty thousand dollars ($20,000) as the result of any one accident. Payment will not be made for room, board or other ordinary living, travelling or clothing expenses.

Repatriation

In the event an Insured Person suffers a Loss of Life resulting from Injury more than fifty (50) kilometres from that Insured Person’s normal place of residence and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay the reasonable and necessary expenses actually incurred for the transportation of the body of the deceased Insured Person to a resting place (including but not limited to a funeral home or the place of interment) in proximity to the normal place of residence of the deceased Insured Person, including charges for the preparation of the body for such transportation, not to exceed, in the aggregate, the amount of twenty-five thousand dollars ($25,000) for all such expenses paid under this section as a result of one (1) Accident. The indemnity payable under this section will be payable to the person who actually incurred the expenses.

Seat Belt

In the event an Insured Person suffers a Specific Loss resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, the Insurer will pay an additional indemnity equal to twenty-five percent (25%) of the applicable indemnity payable under the section of this booklet entitled “Specific Loss Accident Indemnity”, if at the time of the Accident causing such Injury, the Insured Person was driving or riding in a Motorized Vehicle and wearing a properly fastened Seat Belt. At the time of the Accident, the driver of the Motorized Vehicle must hold a current and valid driver’s license of a rating authorizing him to operate such Motorized Vehicle and neither be Intoxicated nor Under the Influence of Drugs.

Proof of Seat Belt use to the satisfaction of the Insurer must be provided as part of the written proof of loss.

Workplace Modification and Accommodation

In the event you suffer a Specific Loss resulting from an Injury and indemnity for such loss becomes payable under the section of this booklet entitled “Specific Loss Accident Indemnity” and you require special adaptive equipment and/or workplace modification in order to reasonably accommodate your return to active work with the Policyholder, the Insurer will pay the reasonable and necessary expenses actually incurred by the Policyholder for such equipment and/or modification provided:

1. The Policyholder agrees in writing to provide the special adaptive equipment and/or make modifications to the workplace for the purpose of making it accessible and adaptable to your needs; and
2. The Policyholder acknowledges in writing that the performance of the essential duties of your job would be compromised in the absence of such modification or accommodation; and
3. The proposed special adaptive equipment and/or workplace modification have prior written approval by the Insurer.

The Insurer has the right to have you examined by a professional of its choice to evaluate the appropriateness of the proposed modifications and/or equipment.
The indemnity under this section will be paid to the Policyholder once you have returned to active work with the Policyholder and the Insurer has been provided with written proof of the expenses incurred. The benefit is not payable if the Policyholder does not incur any cost in providing the special adaptive equipment and/or the workplace modification.

Payment by the Insurer for the total of all expenses incurred by the Policyholder under this section will not exceed ten thousand dollars ($10,000) as a result of any one (1) Accident.

EXCLUSIONS
No benefit will be paid for any loss, fatal or non-fatal, caused or contributed to by:

1. self-inflicted injuries, suicide or attempted suicide, whether the Insured Person was sane or insane;
2. war whether declared or undeclared, and whether or not the Insured Person was actually participating therein;
3. civil commotion, riot, insurrection, armed conflict if the Insured Person was participating therein;
4. the Insured Person’s service, whether as a combatant or noncombatant, in the armed forces of any country;
5. the Insured Person riding as a passenger or otherwise in any vehicle or device for aerial navigation, other than as provided in the section of this booklet entitled “Aircraft Coverage”;
6. medical treatment or surgery on the Insured Person, except if the medical treatment or surgery was needed because of an Accident.