At critical times, a lump-sum payment can make all the difference.

The Critical Accident Recovery Plan Plus can help bridge the often overlooked gap in insurance protection — the financial needs of the survivors of eligible critical accidents. This can help pay for lifestyle changes and recovery expenses. The Plan can also pay a daily hospital benefit of $200 a day (up to a total of $73,000) for a hospital stay as a result of any accident.

What's unique about the Critical Accident Recovery Plan Plus is that it provides a "benefit for the living". If you should suffer an eligible critical accident, it can protect you and your family by giving you the time you need to recover from the accident. And, it can allow you the financial peace of mind necessary to rethink the future while maintaining your standard of living.

Here's how this comprehensive Plan can protect you and your family:

A lump-sum payment of up to $150,000

If you are critically injured in an eligible accident, the plan can pay an amount up to $150,000, depending on the severity of your injury or loss. Details of the benefits are outlined in the Summary of Insurance Provisions and in the Certificate of Insurance you will receive after enrollment.

Daily hospital benefits (up to $73,000 total)

The Critical Accident Recovery Plan Plus can pay $200 a day, for up to 365 days, for each day you spend in a Canadian hospital as a result of any accident requiring critical care, or any other accident. You can use the money to pay for a private room, TV rental, telephone — it's yours to spend however you see fit.

All benefits are tax-free. And Critical Accident Recovery Plan Plus benefits are paid directly to you in addition to any other insurance you might have.

Guaranteed acceptance for you and your family

As a TD Bank Financial Group customer¹ under 65 years of age, your acceptance is guaranteed². Your spouse can be covered for the same level of benefits, and your dependent children under 22 can be covered for 25% of the benefits.

Affordable, guaranteed premiums

You get all these valuable benefits at the affordable group rates shown in the premium chart below. In addition, your premiums are guaranteed to remain the same (unless they change for all group certificate holders).

¹ TD Bank Financial Group refers to The Toronto-Dominion Bank and its affiliates who provide deposit, investment, loan, securities, trust, insurance and other products or services.
² No medical questions or physical required because this Plan covers eligible accidents only.