IF KIA, what benefits for my family offered by CF

[lw]

I've been trying to find information on this but had no luck.  If - touch wood - I am KIA, what benefits will the CF provide for my family?  Or what if I am severely handicapped?  Please point me to where I can find this information.  Thanks.

 

[Michael OLeary]

Have you asked your chain of command for this information?

 

[lw]

Have you asked your chain of command for this information?

Actually, I am not in the CF.  I'm thinking about joining and this is one of my considerations.  Thanks.

 

[Michael OLeary]

Start here:

http://www.cmp-cpm.forces.gc.ca/cen/pub/ddb-pdi/sbcdrf-spcdfr-eng.asp

Keep in mind these things can change over time.

 

[Stauds]

Actually, I am not in the CF.  I'm thinking about joining and this is one of my considerations.  Thanks.

One of your considerations for joining the military is whether you will get benefits if you die or get seriously injured on duty... Sounds a little odd to me.

 

[mariomike]

One of your considerations for joining the military is whether you will get benefits if you die or get seriously injured on duty... Sounds a little odd to me.

Nothing wrong with asking about pay and benefits. It's a career, not a hobby.

 

[ballz]

One of your considerations for joining the military is whether you will get benefits if you die or get seriously injured on duty... Sounds a little odd to me.

You mean you didn't consider these things before you joined???

 

[Stauds]

I wasn't concerned whether my family would receive death benefits or not if I were killed, because: I figured if there were fellow Canadians in Afghanistan in danger's way, why wasn't I?

I'm not saying looking at those things is bad; it's just odd to me, because the only thing holding my decision to join was waiting for my appointment with the specialist about  my knees.

 

[mariomike]

I wasn't concerned whether my family would receive death benefits or not if I were killed, because: I figured if there were fellow Canadians in Afghanistan in danger's way, why wasn't I?
I'm not saying looking at those things is bad; it's just odd to me, because the only thing holding my decision to join was waiting for my appointment with the specialist about  my knees.

When you are raising young children, life insurance is important. Now that it's just my wife and me, I'm worth more dead to her than alive. But, an old timer like me in the army would be more of a liability than an asset.

 

[Greymatters]

A lot of what you're family will receive will depend on how well you've planned for them.  There are a lot of different plans, and optional plans, and civi plans, that are out there...

 

[chris_log]

One of your considerations for joining the military is whether you will get benefits if you die or get seriously injured on duty... Sounds a little odd to me.

Well hoo-rah for you. Failing to plan and consider what you are leaving behind to family/loved ones in case you pass away only shows a lack of forsight and maturity. I really am sick of reading negative comments that are made regarding pay and benefits questions, there is nothing wrong with understanding how the system works and what you are entitled to.

 

[Greymatters]

One of your considerations for joining the military is whether you will get benefits if you die or get seriously injured on duty... Sounds a little odd to me.

This is a concern for employees at all types of organizations, not just the military - regardless of our dedication to duty, we still have a responsibility for the ones we leave behind who are dependent on our for all or part of an income.  Its part of why we fill in SDB forms and buy insurance...

 

[lw]

One of your considerations for joining the military is whether you will get benefits if you die or get seriously injured on duty... Sounds a little odd to me.

I guess it depends on an individual's financial situation.  Personally, my parents are not well off so if something happens to me, I would like to know that their livelihood would be covered.

Thanks everyone else for their help!  Whether to join the CF is a big decision to make and the help here make it so much easier.

 

[dangerboy]

If you feel the basic disability and life insurance offerred by the CF is not enough, you could probably top it up. Either through them, or a private carrier.

Just be careful as a lot of insurance companies will not cover being killed in a war zone, make sure you do a lot of research.

 

[Greymatters]

Most of them will also not cover 'risk sports' (for want of a better general term) - i.e. parachuting, scuba diving, bungy-jumping, etc. 

 

[Lil_T]

SISIP does offer some pretty good policies as well.  We both have additional insurance through them so we are covered if one of us dies, and I believe that being KIA is covered with them.

 

[PuckChaser]

Just be careful as a lot of insurance companies will not cover being killed in a war zone, make sure you do a lot of research.

Ask them when you sign up. I have loan protector insurance on my credit line/credit card with RBC, and they currently cover military members who are killed overseas. Its an exemption made in the rules, not sure if it will carry on after this mission ends whenever that might be.

 

[Occam]

Ask them when you sign up. I have loan protector insurance on my credit line/credit card with RBC, and they currently cover military members who are killed overseas. Its an exemption made in the rules, not sure if it will carry on after this mission ends whenever that might be.

If you haven't gotten them to confirm that in writing, make sure you do so right away.  You don't want to end up as the subject of stories such as this one.

SISIP is one of the few that has no exclusion for acts of war, or high-risk activities such as skydiving or the like.