ENTRY LEVEL PROFESSIONAL
TRUCK DRIVER TRAINING

SPECIAL RISK EXTENSION
Optional Extensions
   IRI Extension
   Sound Equipment
   Camper/Hitchhiker Policy
   Loss of Use
   Coverage Extensions
Primary Coverages
Transportation Packages
Garage Auto Policy
Fleet Safety Program
   Vehicle Inspection Trailer

Optional Extensions to Basic Autopac >
Income Replacement Indemnity (IRI) Extension

Coverage protects income beyond $81,000 (in 2010), up to a chosen limit, that is lost because of a disabling injury. It adds to IRI coverage all Manitobans have through the Personal Injury Protection Plan (PIPP). You should consider it if you earn more than $81,000 (in 2010) annually and don't have other disability insurance — through your work, for example.

IRI Extension Coverage allows you to extend your maximum limit on gross yearly income beyond the basic limit under PIPP of $81,000 (in 2010). Like PIPP, it covers 90% of your net income, with a seven-day waiting period. Compensation is based on proven lost income, just as it is under PIPP.

IRI Extension Coverage adds protection in two other areas affected by gross yearly income:

Buy in small increments
You can buy in increments of $10,000. The cost is $20 per increment, with a minimum policy premium of $50.

Your maximum limit
You can buy a limit of up to $200,000 over the basic limit of $81,000 (in 2010). So, your maximum protection would total $281,000 (in 2010). However, remember your income replacement is still based on actual income you've lost.

Talk to your Autopac agent for more details.


ENTRY LEVEL PROFESSIONAL TRUCK DRIVER TRAINING PROGRAM |
Information for Students > Information for SRE Customers | SPECIAL RISK EXTENSION >
Optional Extensions
> Primary Coverages > Transportation Packages > Garage Auto Policy

 

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Special Risk Extension