ACCI JET
Disability Insurance
Income replacement for accidents, soft tissue injuries, and illness. Up to $6,000/month. Only 3 health questions. No blood tests. Premiums level to age 70.
Who is ACCI JET for? Eligibility
Available to anyone working full-time (21 or more hours per week, 8 or more months per year) between ages 18 and 69. No occupational class restrictions for base accident coverage.
Core coverage — Disability income Base
Monthly non-taxable income replacement if you become totally disabled due to an accident or soft tissue injury. Benefit is based on your earned income.
| Feature | Details |
|---|---|
| Monthly benefit | $500 to $6,000/month based on income |
| Non-taxable | Yes — benefit paid tax-free |
| Waiting period options | 0 days / 30 days / 119 days |
| Benefit period options | 2 years / 5 years / to age 70 |
| Definition of disability (months 1–24) | Unable to perform duties of your regular occupation |
| Definition of disability (month 25+) | Unable to perform any reasonable occupation |
| Regular occupation extension | Optional rider extends to 60 months (not available for Class C) |
| Coverage hours | 24-hour OR non-work-related |
| Non-integration | First $1,000/month non-integrated for first 2 years |
| Premium structure | Level to age 70 — no rate increases |
| Occupational classes | 4A, 3A, 2A, 1A, B, C |
| Health questions required | Only 3 questions for accident and soft tissue coverage |
Soft tissue injuries covered Included in base
Soft tissue injuries make up 42% of all disability claims and are included in base ACCI JET coverage. These are conditions that most standard disability policies exclude or heavily restrict.
| Occupational class | Max per claim | Lifetime maximum |
|---|---|---|
| Class B or C | 30 days | 180 days |
| Class 1A | 60 days | 180 days |
| Class 2A, 3A, 4A | 36-month lifetime maximum | |
Disability in case of illness Optional add-on
Extends your disability coverage to include illness. Simplified underwriting with only 9 questions total. No blood tests required.
| Feature | Details |
|---|---|
| Ages eligible | 18–59 (2-year or 5-year benefit period) or 18–64 (2-year benefit period) |
| Health questions | 9 questions total — no blood tests |
| Same benefit amounts | $500 to $6,000/month — same as accident coverage |
| Degenerative disc disease | Covered max 20 days per period, 120-day lifetime maximum |
Overhead expense insurance Self-employed only
Covers your fixed business expenses while you are disabled and unable to work. Keeps your business alive while you recover.
| Feature | Details |
|---|---|
| Monthly benefit | $500 to $6,000/month |
| Benefit period | Maximum 2 years |
| Waiting period | 30 days |
| Covered expenses | Rent, phone, electricity, heating, cleaning, employee salaries (up to 3 employees), vehicle expenses, accounting fees |
| Not covered | Owner's own salary, replacement staff salary, supplies, gas, vehicle purchase |
Optional riders Add-ons
Enhance your ACCI JET plan with any of these riders at additional cost.
Accidental fracture
Lump-sum based on bone fractured. Must be confirmed by X-ray and radiologist report within 30 days.
Skull, spine, hip, femur = 100% (max $10,000) · Tibia, radius etc. = 25% · Other = 10%AD&D — Death and dismemberment
Lump-sum paid for accidental death, loss of limb, sight, hearing, or speech. Loss must occur within 365 days.
Up to $350,000 · Death or both limbs = 100% · One arm/leg = 75% · One hand/eye = 50%Extended medical care
Reimburses accident-related medical expenses in Canada within 12 months: physio, nursing, dental, equipment, ambulance.
$100,000 lifetime maximum · 100% coverage · No deductibleTravel insurance
Emergency medical up to $5 million. Trip cancellation up to $5,000. Covers trips outside province, max 60 consecutive days.
24/7 assistance line · Family coverage available · Terminates at age 70Built-in benefits No extra cost
Every ACCI JET policy includes these features automatically.
Premium waiver
Triggered at end of waiting period (min. 30 days) if disability starts before age 60. Waives premiums for insured, spouse, and children.
Maintenance of coverage
Coverage maintained for 12 months if full-time work temporarily ceases (not retirement). Parental leave covered for full duration.
Special rehabilitation benefit
Full monthly benefit minus 50% of rehabilitation income, paid for up to 24 months while you return to work.
Recurrent disability
No new waiting period if the same cause recurs within 6 months (Classes B/C/1A/2A) or 12 months (Classes 3A/4A).
Extension to age 75
Can extend accident and soft tissue coverage to age 75 without evidence of insurability if still working full-time at 70. Must request within 60 days of 70th birthday.
Guaranteed occupational class
Your occupational class is locked at the time your contract is issued — even if your occupation changes later, your class stays the same.
Optional enhancements Available at extra cost
| Enhancement | Details |
|---|---|
| Partial disability | 50% of monthly benefit if unable to perform 1 or more primary duties or work 50% of normal hours. Maximum 6 months. |
| Extended regular occupation | Extends the regular occupation definition from 24 months to 60 months. Not available for Class C. |
| Return of premiums | 50% of premiums returned (minus claims paid) at age 55, 60, 65, or 70. Policy must be active for at least 120 months. Must purchase before age 55. |
Key exclusions
ACCI JET does not cover the following. See the full contract for complete details.
Key contract terms
What makes ACCI JET different
Soft tissue is in the base plan
Sprains, strains, carpal tunnel, rotator cuff, plantar fasciitis. Most standard disability plans exclude all of these. ACCI JET includes them because they are the most common reason Canadians miss work.
Premiums locked in for life
Your premium is set at issue and stays level to age 70. No annual rate increases, no surprises. Other plans reprice every 5 or 10 years and premiums can jump significantly after 40 or 50.
Simplified underwriting
Only 3 health questions for accident and soft tissue coverage. No blood tests. No medical exam. Approval is fast. Adding illness coverage requires 9 questions total but still no lab work.
