Get help with your accident & health insurance

The TD Critical Accident Recovery Plan provides a lump sum benefit to support you and your family financially while you recover from a covered accident.

On the other hand, the TD Accident Disability Insurance Plan provides a benefit if you become disabled within 90 days of an eligible accident. Benefits are paid to you monthly to help replace lost income.

Some examples of eligible critical accidents covered under this plan includes specified broken bone, loss of both hands, loss of both feet, burns to 20% of the body, and loss of entire eyesight in both eyes.

For defined terms, limitations and exclusions, refer to the Insurance Certificate.

If the Insured Person is working at least 20 hours per week and is employed at the starting date of disability:

Disability means that due to an injury, the insured person:

• is unable to perform the essential duties of their regular occupation; and
• is not working in any gainful occupation; and
• is under the regular care of a physician and receiving suitable treatment.

If the insured person is not working for at least 20 hours per week, or is unemployed at the starting date of disability:

Disability means that due to an injury, the insured person:

• is unable to perform the essential duties of any gainful occupation for which they have the minimum qualifications; and
• is not working at all; and
• is under the regular care of a physician and receiving suitable treatment.

The TD Critical Illness Recovery Plan provides a lump sum payment for you to use however you choose, should you be diagnosed with life-threatening cancer, or suffer a heart attack or a stroke.

You could also use the lump sum payment for treatment or recovery costs or to replace your income if you are unable to work.

The amount your beneficiary(ies) could receive ranges from $50,000 to $250,000, based on the coverage you select.

Benefits are doubled up to $500,000 if the covered accidental death happens while you are travelling on a common carrier, such as an airplane.

For defined terms, limitations and exclusions, refer to the Insurance Certificate.