This income replacement plan is perfect for an independent owner/operator or for a contract driver who wants to replace their provincial workers’ compensation at lower cost as well as have 24/7 protection for off-the-job injuries..

  • Weekly Benefit for Total Disability Weekly benefit provides you with an income while you are disabled and unable to work due to accidental injury. Choose from options ranging from $400 to $1000 per week. Maximum payment is up to 75% of gross income. The maximum period payable is lesser of age 70 or 260 weeks, except if the period of Total Disability commences after You turn 68, then it is 104 weeks. The elimination period is 0 Days.

  • Weekly Benefit for Partial Disability Weekly benefit provides you with an income while you are partially disabled and unable to work due to accidental injury. Choose from options ranging from $400 to $1000 per week. Maximum payment is up to 37.5% of gross income. The maximum period payable is 13 weeks. The elimination period is 0 Days.

  • Accidental Death and Dismemberment. Lump-sum payment in case of death or loss of a body part. Options available from $100,000 to $500,000. Refer policy wordings and talk to your broker for complete details.

  • Permanent Total Disability. Options available from $100,000 to $500,000. If within 24 months of the date of the Accident, Injury totally and permanently disables the Insured Person and prevents him from performing at least two of the six Activities of Daily Living, without assistance from another person and it is determined by a Specialist, within 24 months of the Accident, that the Insured Person is incapable of performing at least two of the six Activities of Daily Living without assistance from another for the remainder of his life, the Company will pay, provided such disability has continued for a period of 24 consecutive months and is total, continuous and permanent at the end of this period, the Principal Sum amount stated in the section titled “Schedule of Benefits”, less 10% for each year the Insured Person is over 55 years of age at the date of Injury and less any amount paid or payable under the part titled “Accidental Death, Dismemberment and Specific Loss Indemnity”.

  • Accidental Medical Reimbursement upto $110,000. This benefit will reimburse up to $110,000 lifetime if an Accidental Bodily Injury causes you to first incur medical expenses for care and treatment in Canada within 30 days after an accident. Reimbursement will only be eligible with a traceable form of payment. The benefit amount for accident medical expense is payable only for the reasonable and customary charges for medically necessary medical services incurred within 104 weeks after the date of the accident causing the Accidental Bodily Injury and prescribed by a Physician.

Want to Learn More About Alternative Workmen Compensation?

24/7 coverage for on-the-job and off-the-job injuries. Save significant premiums by opting for Alternative Workmen Compensation. Only Owner Operators and Contract Drivers can buy Alternate Workmen Compensation. To discuss your unique case and to learn more about Alternative Workmen Compensation, contact your Mango insurance broker today