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Personal Disability Insurance Manulife Personal Accident
& Disability Insurance

Saint John, New Brunswick

To speak to an agent call: 506 214 5433

Protection. Designed with your needs in mind.

Full time. Part time. Retired. At school.
Running a business. Raising a family.

An accident can happen to anyone, at anytime.

Personal Accident Disability Insurance is designed to provide protection
against the financial impacts of injury, with optional protection against illness.


Personal Accident Disability insurance offers you peace of mind that comes with knowing that you are protected at Home, Work or Play. 24 hours a day, anywhere in the world.

What would you do?
Imagine for a moment that you were to become
seriously ill or disabled due to an accident. Consider
how difficult it would be for you and your family
to continue managing your monthly expenses in
addition to any additional costs related to medical
treatments. Where would the money come from for
these expenses?

Apply for Personal Accident Disability Insurance. It’s easy.

There are many ways Personal Accident Disability
Insurance can be a tremendous help to you. It can
provide a monthly benefit to pay for expenses or
replace lost income if injury or sickness prevents you
from performing your day-to-day activities, whatever
those activities may be. This helps ensure the
lifestyle to which you and your family have become
accustomed is protected during these difficult times.

Do I qualify?

All applicants qualify for at least $1,000 in monthly
disability benefits. Personal Accident Disability
Insurance is available from age 5 to age 80, and is
renewable all the way to age 90! Whether you are
employed full time, part time or not at all, we have a
plan that will match your lifestyle.

Applying for coverage is quick with our short
and, for your convenience, no medical
tests are required to qualify at the time of application.
In addition, we offer affordable premiums, with
reduced rates for employees with W.S.I.B. coverage.

What is covered?

Personal Accident Disability Insurance offers you the
peace of mind that comes with knowing you are protected
at home, work or play, 24 hours a day, anywhere in the world.

If you are injured because of an accident, your
coverage includes:
• Total and partial monthly disability benefits,
where you choose the amount – including
a 5-year regular occupation benefit when
benefits are chosen for longer than 2 years
• Immediate coverage, continuing for the full
benefit period when an accident results in a
loss of sight, hearing, speech or limbs
• Up to $36,500 of accident-related
hospitalization coverage
• Coverage of ambulance costs if you have an
• A rehabilitation benefit to help you quickly get
back to your regular day-to-day activities
• Accidental death benefit of $10,000 or more,
plus a death benefit if you die while receiving
claim benefits

Choose a Plan that meets your needs
• If you work more than 30 hours per week, you
can qualify for a monthly benefit up to $6,000;
if not, you can receive up to $1,000
• Choose whether benefits begin on the very first
day of disability, after 1 month or after 4 months
• Benefits can cover you up to 2 years, 5 years, or
to age 65
Protection. Designed with your needs in mind.
Additional options for your
specific needs
• Sickness Disability matches your Accident
Plan for full illness and injury disability
• Sickness Hospitalization provides daily
benefits for hospital and convalescence costs
over and above any other coverage you may
• Accident Excess Medical covers drugs,
equipment, therapy and more over and above
any other coverage you may have
• Accidental Death and Dismemberment
• Additional Accidental Death protects up
to $300,000 over and above built-in death
• Non-Occupational Loss of Income provides
an economical option to compliment coverage
provided in a Worker’s Compensation Plan
• Return of Premium Option
When you select this option, we will refund all
of the premiums you have paid less any benefit
amounts you received, provided your coverage
has remained in force for 20 consecutive years.
Alternatively, you can choose the Return of
Premium on Death option.

Want guaranteed to issue coverage with no questions asked?

Our Cash Hospital covers unforeseen hospital
costs accrued due to an accident or sickness.
Benefits are paid out beginning on the first day
of hospitalization for a maximum of 1 year.
Coverage is available 24 hours a day, anywhere in
the world. Best of all, a medical evaluation is not
required when you apply.

Apart from the following exceptions, you will be covered
for any accident, 24 hours a day,
anywhere in the world.

What is not covered?
No benefits are payable for an accident or injury
that results from: an act of war; elective medical
treatment; suicide or self-inflicted injuries;
committing a criminal offense or while in prison;
the misuse of medication or the abuse of drugs or
intoxicants; air travel (other than on a commercial
aircraft); participation in professional sports or
hazardous activities, such as scuba diving, boxing,
parachuting, rock/cliff climbing, skydiving, hanggliding,
bungee jumping or a motorized contest
of speed.

No benefits are payable for sickness unless the
sickness disability rider is included.

Limitations of coverage
Strains or sprains are covered for a maximum of
2 months for each accident with no limit on the
number of accidents. Pre-existing conditions are
only covered after 12 months.
Back or neck injuries are covered for a maximum
of 2 months for each accident. If there is evidence
of the injury on diagnostic medical imaging tests,
further benefits may be payable.
Benefits may be integrated at the time of claim, but
only if your monthly benefit is more than $2,000.
At the time of claim, no proof of income is required
if your monthly benefit is $2,000 or less.

The Application process is very quick, easy and affordable.

Call us at 506 214 5433 or Contact Us

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