My wife has a life insurance policy through her office, of which her company pays for. The policy states (summarization) that it will not pay if death or whatever have you due to a helicopter accident. I’ve done a little bit of research and found this to actually be a common caveat. IE - My insurance through my office says the same thing and it is a different insurer.
Guess what? Her job now requires her to be on a helicopter from time to time.
Should we make a stink with the company so they have insurance that covers her in case of an accident since it is their provided insurance? Is the onus on us to buy additional/different coverage? IIRC, in Canada employers are required to insure their employees while they are on the job. I am checking into this to be positive, but does anyone know if it is fact?
Might want to specify in which province she resides and works, for the laws differ between provinces.
In Ontario many occupations are covered by WSIB, which is a no-fault insurance regime into which employers must pay. The survivor benefits are better than nothing, but not worth writing home about. If an employee is covered by WSIB, he or she (or the survivors) can’t sue the employer for the injury or death, so either be willing to get by on the WSIB survivor benefits, or purchase private insurance to meet your needs.
Note that although many occupations are required to be under the WSIB regime, many other occupations do not fall under the regime, so check carefully to see if there is WSIB coverage for your spouse.
Beyond WSIB, there is no general requirement for employers to pay for insurance for their employees.
If your spouse’s insurance does not cover helicopters, then one would think it reasonable to negotiate with the employer for the employer to pay for such coverage.