Its accidental death, loss-of-use, dismemberment, and fracture benefits are payable over and above the benefits paid under group plans.

Certain group plans do not provide a lump-sump payment in the event of accidental loss of use, dismemberment or fracture.

The accidental loss-of-use or dismemberment benefits can be used to cover several expenses that disability income insurance (partial income replacement) does not assume. For example, a person who becomes a paraplegic as a result of an accident could use the $50,000 (BASIC Option) or $200,000 (MACCIMUM Option) benefit to meet the following additional expenses:

-	adaptations to a house;
-	changes or adaptations to an automobile;
-	expenses involved in career reorientation;
-	household maintenance contracts, etc.

Government plans pay benefits subject to certain conditions (for example, occupational accidents or highway accidents). Accifamily covers you 24 hours a day, 365 days a year, worldwide.

In addition, Accifamily provides for the reimbursement of certain expenses that aren’t covered (or that are partially covered) by group insurance plans:

-	hospitalization benefit (in addition to reimbursement of the hospital room);
-	convalescence benefit;
-	dental expenses as a result of an accident;
-	treatments administered by a physiotherapist, chiropractor, occupational therapist, podiatrist, osteopath, audiologist, or speech therapist;
-	fracture benefit;
-	repair or replacement of glasses;
-	childcare expenses;
-	transportation expenses, etc.