Common use of Fracture Clause in Contracts

Fracture. If as a result of an Accident, you fracture any of the following bones, we will pay the amount specified below: Skull, spine, pelvis CAD 1,000 Arm, shoulder, leg, hip, jaw CAD 750 Knee cap, ankle, collar bone, foot or hand CAD 500 Toe, finger, rib, or other fracture not mentioned CAD 250 This benefit is applicable to you but only if you are aged under sixty-five (65) years and engaged in gainful employment. If as a result of an Accident during the policy period you sustain Bodily Injury and are totally and continuously disabled and prevented from performing the substantial and material duties pertaining to your usual occupation, we will pay you the Weekly Accident Benefit as stated below for the period of disability whilst you are under the Regular Care and Attendance of a Licensed Physician. Weekly Accident Benefits commence on the eighth (8th) day of disability, not to exceed one hundred and four (104) consecutive weeks for personal use bikes or 52 weeks for Competition bikes as the result of any one Accident. Weekly Accident Benefit: up to CAD 500 per week, not to exceed seventy-five percent (75%) of your pre-disability net Earnings. The benefit payable will take into account any of the benefits payable under the following plans, but will not include any amounts payable on account of eligible dependents, if any: (a) the disability or retirement provisions of the Canada/Quebec Pension Plans; (b) the benefits payable in accordance with the Workers' Compensation or Occupational Disease Act or Law, or any other law which provides compensation for an occupational Injury; (c) the income benefits provided by or through any Government Plan of automobile insurance or similar legislation; (d) the amounts paid or payable under a group insured, private insured, or non-insured disability plan (including association group); (e) the Employment Insurance Act if the Employment Insurance benefit does not include the amounts paid or payable under this policy as earnings in determining the benefits payable under the Act. Any subsequent changes to the amounts payable under any of the above stated benefits which are specifically designated as cost-of-living adjustments will neither reduce nor increase the amount of Weekly Accident Indemnity payable hereunder. Special Definitions: Regular Care and Attendance shall mean: observation and treatment to the extent necessary under existing standards of medical practice for the condition causing disability. Earnings shall mean: (1) with respect to an Insured Person who is employed on a full-time basis, the weekly rate of wage or salary the Insured Person was receiving from his employer(s) as of the date of the Injury, exclusive of overtime pay or other remuneration; (2) with respect to an Insured Person who works on a seasonal basis, the weekly rate of earnings based on the total amount(s) of the Insured Person's earnings as reported on T-4(s) for the full taxation year immediately prior to the date of the Injury. (3) with respect to an Insured Person who is self-employed, the weekly rate of earnings based on the three (3) years average of the Insured Person's earnings received for duties performed (excluding other income which does not depend on the Insured Person's ability to engage in an occupation or employment) less any business expenses which are deductible for income tax purposes but before deduction of any personal income taxes for the full taxation year immediately prior to the date of the Injury.