Just thought I'd do a little survey to see who carries what for coverage. My (not riding related) head injury last year was an eye opener about how fast things can change with something as simple as a hit on the head. So, this year I decided this year to jack up all my "accident benefits" coveages to the maximum.

Source: Understanding Optional Benefits for Accident Benefits in Ontario - McKenzie Lake Lawyers LLP
Given how much I ride, plus last years situation (which I'm still dealing with some lingering post concussion syndrome symptons and medical fallout from), I decided that this move made sense. If something happened on 2 wheels ones life could change in an instant, and I decided that leaving my family holding the bag on that wouldn't be a great decision. Yeah, I have some short term disability benefits at work, and some hospital coverage blah blah, but quite a lot of it goes away at 6 months, and the long term disability is total garbage...and after a year or so not working anymore, most of it goes away completely. My wife has great benefits, but not all the important bits for LTD and medical translates to a spouse.
Yes, it's costing me about an extra $600/year now to jack up all my caregiver benefits and wage replacement etc etc etc to the max, which makes the insurance on my new ride a bit more ouchy considering my full (to the hilt) coverage was already about $1200/year now on the new ride, but in the grand scheme of things, $600 a year on an already expensive hobby for the peace of mind it brings shouldn't be a consideration anymore. I think many of us have spent this on a weekend overnighter ride with some riding buddies, so keeping it in perspective, I think it's a decision many should make in our hobby.

Source: Understanding Optional Benefits for Accident Benefits in Ontario - McKenzie Lake Lawyers LLP
Given how much I ride, plus last years situation (which I'm still dealing with some lingering post concussion syndrome symptons and medical fallout from), I decided that this move made sense. If something happened on 2 wheels ones life could change in an instant, and I decided that leaving my family holding the bag on that wouldn't be a great decision. Yeah, I have some short term disability benefits at work, and some hospital coverage blah blah, but quite a lot of it goes away at 6 months, and the long term disability is total garbage...and after a year or so not working anymore, most of it goes away completely. My wife has great benefits, but not all the important bits for LTD and medical translates to a spouse.
Yes, it's costing me about an extra $600/year now to jack up all my caregiver benefits and wage replacement etc etc etc to the max, which makes the insurance on my new ride a bit more ouchy considering my full (to the hilt) coverage was already about $1200/year now on the new ride, but in the grand scheme of things, $600 a year on an already expensive hobby for the peace of mind it brings shouldn't be a consideration anymore. I think many of us have spent this on a weekend overnighter ride with some riding buddies, so keeping it in perspective, I think it's a decision many should make in our hobby.