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Human Resource Manual

1104 - Employee Travel Accident Insurance

Contents

Introduction

  1. The Government provides accidental death or dismemberment insurance coverage for employees while on duty travel.  The policy is coordinated through the Risk Management and Insurance, Treasury Division of the Department of Finance.  The information provided here is only a summary of coverage.  Employees should contact Risk Management to obtain additional details on the policy.

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Application

  1. These guidelines and procedures apply to all employees except those employed by the Northwest Territories (NWT) Power Corporation.

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Definitions

  1. Policyholder means the Government of the Northwest Territories (GNWT).
  2. Class I is the Commissioner, Ministers, Executive Assistants, Members of the Legislative Assembly, Territorial Judges, all Hay Plan Senior Managers and all Board Members whose named positions are on file with the policyholder.
  3. Class II is all other Government employees and contract physicians.
  4. Business Travel is travel while on assignment by, or at the direction of, the Policyholder.
  5. Injury means bodily injury caused by an accident (exclusions apply).

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Guidelines

  1. The maximum coverage for Class I and Class II employees is $200,000 per person per accident.  In addition, there is a weekly indemnity the details of which can be obtained from Risk Management.
  2. Class I and Class II employees have 24-hour accident protection for business travel only.
  3. The policy also covers individuals while traveling in the leased/sub-leased water bombers.
  4. The rehabilitation benefit is a maximum of $10,000 per person per accident.
  5. The repatriation benefit is a maximum of $10,000 per person per accident.  This benefit provides for a deceased to be transported home after a fatal accident.
  6. The Family Transportation benefit is a maximum of $10,000 per accident.  This benefit provides transportation costs for an immediate family member over the age of 18 to attend at a hospital where the injured person is confined.
  7. The Home Alteration and Vehicle Modification benefit is a maximum of $10,000 per person per accident.
  8. Coverage for loss or loss of use resulting from injury is determined, according to a table of losses. The loss must occur within 365 days of the accident and only one indemnity (the greater) is paid per accident.  The table of losses is available from Risk Management.
  9. The policy contains some exclusion and restrictions of coverage.

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Procedures

  1. Employees are automatically covered if a Travel Authorization and Expense Claim form is signed by the appropriate signing authority.  No enrollment forms are needed.
  2. The notice of loss must be given to Risk Management no later than 30 days from the date of the accident.
  3. Proof of loss must be submitted 90 days from the date of accident.

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Authorities and References

Risk Management and Insurances
Treasury Division
Department of Finance

Collective Agreement with the UNW
Memorandum of Agreement – Employee Travel Accident Insurance

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