Accidental death and dismemberment coverage

Issue: BCMJ, vol. 59, No. 5, June 2017, Page 280 News

British Columbia is one of Canada’s most geographically diverse provinces, with spectacular coastlines, forests, mountains, lakes, and rivers. That diversity is also one of the primary reasons many physicians choose to call BC home. Participating in recreational activities is an important element of a healthy work-life balance, and BC offers opportunities for a multiple of outdoor recreational activities. While an active lifestyle provides many benefits and likely contributes to reducing your probability of illness and health problems, it can also present increased risks for serious injury or even death.

Accidental death and dismemberment (AD&D) coverage offers a cost-effective option to provide additional protection for you and your family. This coverage provides a lump sum payment for losses resulting from accidental injury occurring anywhere in the world, 24 hours a day.

While a comprehensive disability and life insurance plan provides financial protection against most of the hardships resulting from a serious injury or death, often other costs are not accounted for until too late, such as physiotherapy, home alterations, or extra help in the home. Having additional funds available through an AD&D policy can really help; AD&D coverage covers costs such as grief counseling, day-care support, and home alternations, to name a few.

With the Doctors of BC plan, you can decide on coverage amounts in units of $100 000 up to $1 million. Coverage is available as a member-only plan, or for you and your family together. Even more appealing with this coverage is that proof of good health is not required when applying. Guaranteed acceptance for all members under the age of 69 makes AD&D a desirable alternative for busy individuals and family members who can’t qualify for other coverage. It’s also an effective way to enhance an existing comprehensive disability and life-insurance portfolio without adding significant costs.

When it comes to AD&D claims, the benefit amount is determined by the type of permanent injury sustained. A list of benefit amounts for different injuries, and further information on the plan and how to apply, is available at You can also contact a Doctors of BC insurance administrator at 604 638-2882 or 604 638-2865, or toll free at 1 800 665-2262 (ext. 2882 or 2865), or at
—Renee Brickner, BSc, EMBA
Doctors of BC Insurance Advisor

Renee Bricker. Accidental death and dismemberment coverage. BCMJ, Vol. 59, No. 5, June, 2017, Page(s) 280 - News.

Above is the information needed to cite this article in your paper or presentation. The International Committee of Medical Journal Editors (ICMJE) recommends the following citation style, which is the now nearly universally accepted citation style for scientific papers:
Halpern SD, Ubel PA, Caplan AL, Marion DW, Palmer AM, Schiding JK, et al. Solid-organ transplantation in HIV-infected patients. N Engl J Med. 2002;347:284-7.

About the ICMJE and citation styles

The ICMJE is small group of editors of general medical journals who first met informally in Vancouver, British Columbia, in 1978 to establish guidelines for the format of manuscripts submitted to their journals. The group became known as the Vancouver Group. Its requirements for manuscripts, including formats for bibliographic references developed by the U.S. National Library of Medicine (NLM), were first published in 1979. The Vancouver Group expanded and evolved into the International Committee of Medical Journal Editors (ICMJE), which meets annually. The ICMJE created the Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals to help authors and editors create and distribute accurate, clear, easily accessible reports of biomedical studies.

An alternate version of ICMJE style is to additionally list the month an issue number, but since most journals use continuous pagination, the shorter form provides sufficient information to locate the reference. The NLM now lists all authors.

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For more information on the ICMJE Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals, visit

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