Affordable disability insurance for Canadians

• Total Disability Benefits: Receive a monthly benefit for up to two years if a covered illness or injury completely prevents you from working.²
• Guaranteed Renewable: We cannot cancel the policy without your consent, up until you turn age 65.
• Waiver of Premium During Disability: Your premiums will be waived if you are disabled and being paid monthly benefits.
• Portable: You can keep your policy if you change jobs.
• 30-Day Review Period: If you change your mind during this time, we will give you a full refund and cancel your policy.

You are considered disabled if due directly to injury (if you are covered for injury only) or injury or sickness (if you also have sickness coverage) and you are:

• Unable to perform the essential duties of your regular occupation(s) (even with any reasonable assistance or modification of job duties);
• Not working in any gainful occupation; and
• Under the regular care of a physician and receiving appropriate treatment

Two years is the maximum period of time that you can receive monthly benefits for any one period of disability due directly to injury (if you are covered for injury only) or injury or sickness (if you also have sickness coverage).

This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose a 60-day or 90-day elimination period for both injury and sickness coverage.

We will not pay monthly benefits nor waive premiums for any period of disability that results, directly or indirectly, from:

• Any illness or disease, if you have not purchased sickness coverage
• Any self-inflicted injury, whether intentional or unintentional, that occurs while you are intoxicated
• Your service in the armed forces, the reserves, or any other military organization
• Any injury that occurs while you are using or operating any motorized vehicle while you are intoxicated
• Your use of any drug except as prescribed or directed by your physician
• Any suicide attempt or other intentionally self-inflicted harm, while sane or insane
• Any opportunistic infection or other illness or disease that physicians commonly associate with AIDS or the HIV virus
• Any injury that occurs while you are committing or attempting to commit a crime, whether or not you are charged with the crime
• Any subjective condition, including but not limited to chronic fatigue syndrome, chronic pain syndrome, fibromyalgia, Epstein Barr syndrome, fibrositis, environmental illness, multiple chemical sensitivity or any other syndrome or condition characterized predominantly by subjective symptoms
• Any psychiatric, psychological, emotional, mental or nervous disorder, including but not limited to depression, anxiety, stress, and burnout. This exclusion does not include disabilities caused by senile dementia or loss of mental capacity resulting from a stroke, head trauma, viral infection or Alzheimer’s Disease.
• Any injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force

We also will not pay monthly benefits nor waive premiums for any:

• Period of time you are in a jail, under house arrest, or otherwise incarcerated
• Disability resulting from a normal pregnancy or childbirth. This exclusion does not apply to disabilities caused by complications during pregnancy or childbirth.
• Period of time that you are receiving benefits for loss of earnings under any worker’s compensation act or plan

• Policy is non-cancellable to age 65
• After age 65, it is renewable for life if your premiums are paid as required
• Rates and benefit periods are subject to change after age 65

Your renewal options after age 65 are:

• Up to age 75 and while employed full-time in a gainful occupation, you may continue the policy with a total disability benefit only with a maximum benefit period of 24 months. After age 75, the maximum benefit period is 12 months.
• If not employed full-time, you may elect a $100 per day benefit payable while confined to a hospital. The maximum benefit period for hospitalization is six months.

• Choice of Benefit Periods: Choose two years (illness coverage), five years or to age 70.
• Guaranteed Renewable: We cannot cancel the policy without your consent, up until you turn age 75 (injury coverage) or age 70 (illness coverage). Premiums may be subject to change; however, we cannot change your premiums unless we do so for an entire group of policyholders sharing similar characteristics.
• Accidental Medical Emergency Reimbursement Benefit: Helps cover certain medical expenses not covered by government health insurance plans.
• Waiver of Premium During Disability: Your premiums will be waived if you are disabled and being paid monthly benefits.
• Medical Confidence™ Service⁷: Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.
• Portable: You can keep your policy if you change jobs.

First 36 months of disability: You are considered totally disabled if, due to injury or illness (if illness coverage was purchased), you are:

• Unable to perform the important duties of your regular occupation, and
• Not engaged in any other gainful occupation, and
• Receiving appropriate physician’s care

After 36 months of disability: You continue to be considered totally disabled if, due to injury or illness, you are:

• Unable to engage in any reasonable occupation for which you are, or may reasonably become, fitted by education, training or experience, and
• Receiving appropriate physician’s care

Partial disability is described as follows:

• You are not totally disabled, and
• You are engaged in your regular occupation or any gainful occupation, and
• Due directly to continuing injury or illness (if illness coverage was purchased), you are unable to perform either:
• One or more important duties of your regular occupation, or
• The important duties of your regular occupation at least one-half of the time normally required; and
• You are receiving a physician’s care

Partial benefits are 50% of your total disability benefit and are payable for up to six months.

If you have emergency medical expenses because of an accidental injury and you provide us with proof of payment for the expenses, we will reimburse you up to $10,000 for the reasonable and customary amounts of those expenses.

Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.

About Return to Work Benefits

This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from: 0, 30, 90 or 120 days for injury coverage and 30, 90 or 120 days for illness coverage.

Choose from the following optional coverage (subject to eligibility):

• 24-Hour Coverage Benefit: This policy is non-occupational, which means it covers you when you are not working. If you choose this benefit, you will be covered 24 hours a day, at work, as well as outside of work. You may wish to purchase this optional benefit if you do not have workers’ compensation or similar coverage.
• Illness Coverage: Apply for an amount up to your equivalent monthly injury benefit.
• Accidental Death and Dismemberment Benefit: If you sustain an accidental injury as outlined in your policy, or if you die as a result of an accident, you or your beneficiaries receive a specified benefit based on the type of injury.
• Business Overhead Expense Benefit: Reimburses you for certain business overhead expenses (rent, utilities, salaries, etc.) if you become totally disabled and meet the conditions outlined in your policy.

We will not pay monthly benefits nor waive premiums for any period of disability that results, directly or indirectly, from:

• Flying in an aircraft that is not a certified passenger aircraft operated by a properly certified pilot
• Participating in professional athletics or underwater activities, including scuba diving
• Engaging in certain dangerous activities such as mountaineering, indoor or outdoor rock climbing, caving, parachuting, sky diving, hang gliding, bungee jumping and racing
• Operating a motor vehicle while under the influence of any intoxicant or while you have a blood alcohol concentration in excess of 80 mg of alcohol per 100 ml of blood
• Self-inflicted harm or attempted suicide
• Committing a criminal offence
• Drugs and narcotics
• Riots or acts of war
• Pregnancy and childbirth
• Infections related to AIDS and HIV
• Subjective conditions (e.g. fibromyalgia, chronic fatigue syndrome)
• Mental and nervous disorders
• Participation in the armed forces

This policy also contains limitations related to:

• Back and neck injuries
• Degenerative disc disease
• Soft tissue injuries

We also will not pay monthly benefits nor waive premiums for any:

• Period of time you are in a jail, under house arrest, or otherwise incarcerated
• Injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force

• Policy is non-cancellable to age 65
• After age 65, it is renewable for life if your premiums are paid as required
• Rates and benefit periods are subject to change after age 65

Your renewal options after age 65 are:

• Up to age 75 and while employed full-time in a gainful occupation, you may continue the policy with a total disability benefit only with a maximum benefit period of 24 months. After age 75, the maximum benefit period is 12 months.
• If not employed full-time, you may elect a $100 per day benefit payable while confined to a hospital. The maximum benefit period for hospitalization is six months.

• Non-Cancellable: We cannot change the policy or premiums, or cancel the policy without your consent, up until you turn age 65. (Rates and benefit periods are subject to change after age 65.)
• Recovery Benefit: Pays a portion of your monthly benefit for up to four months during your initial return to full-time work after a total or residual disability (two months for a partial disability), if you have a 20% or more decrease in earnings.
• Medical Confidence™ Service⁷: Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.
• Long-Term Care Conversion Option: From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health.
• Waiver of Premium During Disability: Your premiums will be waived if you are disabled and being paid monthly benefits.
• Health Care Profession Rider: If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled.
• Portable: You can keep your policy if you change jobs.

Choose to receive benefits for two years, five years or until age 65.

• The plan provides benefits for three definitions of disability: total disability, partial disability and residual disability.
• Total disability benefits: Payable if, as a result of injury or illness, you are:
• Unable to perform the important duties of your regular occupation, and
• Not engaged in any gainful occupation, and
• Receiving appropriate physician’s care
• Partial disability benefits: To meet the definition of partial disability, you must not be totally disabled and must be engaged in your regular occupation or another job at the time of partial disability. You are considered partially disabled if, due directly to injury or illness, you are:
• Unable to perform one or more of the important duties of your regular occupation or the important duties of your occupation at least one-half of the time normally required, and
• Receiving appropriate physician’s care

Eligibility for partial disability benefits is based on the loss of time or your inability to perform your duties as a result of injury or illness. The benefit is payable up to the end of your benefit period with 50% of the maximum monthly benefit payable for the first 24 months and 25% payable for the remainder of the benefit period.

• Residual disability benefits: To meet the definition of residual disability, you must not be totally disabled and must be engaged in your occupation or other job at the time of residual disability. You are considered residually disabled if you have a loss of earnings of at least 20% and are receiving appropriate physician’s care.

Eligibility for residual disability benefits is based on a loss of earnings as a result of injury or illness. A proportionate benefit is payable based on your percentage of lost earnings.

Note: At any one time during a partial disability, you may switch to residual disability benefits. In addition, you will be reimbursed for any additional residual disability benefit you would have received during the 12 months prior to switching.

Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.

About Return to Work Benefits

If you die prior to age 65 while receiving total disability benefits, your beneficiary will receive a payment for three times the maximum monthly benefit payable at the time of death.

This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from the following: 30, 60, 90, 120, 180, 365 or 730 days. (The two-year benefit period is not available with a 730-day elimination period.)

Choose from the following optional coverage (subject to eligibility)⁵:

• Family Compassionate Care Rider: The Family Compassionate Leave rider provides a monthly benefit to insureds whose spouses or children are diagnosed with a terminal illness. The benefit matches the basic indemnity on the disability policy of the insured, and can continue to the earlier of 12 months of the death of the insured’s family member. Premiums on the disability policy are waived while the benefit is being paid. *Not available with Wage Loss Replacement Plans
• Additional Monthly Benefits: Adds more coverage to your base coverage.
• Future Income Option: To keep pace with your rising income, this allows you to purchase additional coverage on each policy anniversary date, up to age 55, without having to prove your health status.
• Cost of Living Benefit: While you are disabled, this benefit protects you against inflation, subject to limits.
• Disability in Your Occupation Benefit: Enhances your policy’s definition of total disability to disregard participation in other occupations while you are totally disabled in your primary occupation.
• Retirement Protector Rider: Helps you maintain deposits to a retirement savings plan (RSP) while you are totally disabled.
• First Day of Hospitalization Benefit: Waives the waiting period for total disability as long as you satisfy the policy’s definition of total disability and have been hospitalized for 72 consecutive hours. This ensures payment of the total disability benefit from the first day of hospitalization.
• Accidental Death and Dismemberment Benefit: If you sustain an accidental injury as outlined in your policy, or if you die as a result of an accident, you or your beneficiaries receive a specified benefit based on the type of injury.

Benefits are not paid for disabilities due to:

• An act or accident of war
• Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)
• Any injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force

In addition, the policy won’t pay a benefit for any period during which you are incarcerated.

• Policy is non-cancellable to age 65
• After age 65, it is renewable for life if your premiums are paid as required
• Rates and benefit periods are subject to change after age 65

Your renewal options after age 65 are:

• Up to age 75 and while employed full-time in a gainful occupation, you may continue the policy with a total disability benefit only with a maximum benefit period of 24 months. After age 75, the maximum benefit period is 12 months.
• If not employed full-time, you may elect a $100 per day benefit payable while confined to a hospital. The maximum benefit period for hospitalization is six months.

• Guaranteed Renewable: We cannot change or cancel the policy without your consent, up until you turn 65. Premiums are level, but may be subject to change. However, we cannot change your premiums unless we do so for an entire group of policyholders sharing similar characteristics.
• Recovery Benefit: Pays a portion of your monthly benefit for up to 12 months if you are no longer disabled, are able to work in a reasonable occupation, have a 20% or more decrease in prior earnings and meet the other conditions of the policy.
• Medical Confidence™ Service⁷: Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.
• Waiver of Premium During Disability: Your premiums will be waived if you are disabled and being paid monthly benefits.
• Health Care Profession Rider: If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled⁹.
• Portable: You can keep your policy if you change jobs.

The policy pays a disability benefit due to injury or illness if you:

• Have a reduced ability to work that results in a loss of earnings of 20% or more; and
• Are receiving the appropriate physician’s care (we may waive this requirement if we determine that continued care would not benefit you)

In addition, you are required to work in a reasonable occupation to the extent that you are able.

Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.

About Return to Work Benefits

To ensure your benefits are coordinated with other sources of income received during disability, the policy includes an integration of benefits provision. If the sum of current earnings and other income or disability benefits exceeds 85% of your pre-disability income, then your payable benefits for disability will be reduced by that amount.

This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from: 30, 60, 90, 120, 180, 365 and 730 days. (The two-year benefit period is not available with a 730-day elimination period.)

Choose from the following optional coverage (subject to eligibility)⁵:

• Family Compassionate Care Rider: The Family Compassionate Leave rider provides a monthly benefit to insureds whose spouses or children are diagnosed with a terminal illness. The benefit matches the basic indemnity on the disability policy of the insured, and can continue to the earlier of 12 months of the death of the insured’s family member. Premiums on the disability policy are waived while the benefit is being paid.
  *Not available with Wage Loss Replacement Plans
• Long-Term Care Conversion Option: From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health
• Additional Monthly Benefits: Adds more coverage to your base coverage.
• Future Income Option: To keep pace with your rising income, this allows you to purchase additional coverage on each policy anniversary date, up to age 55, without having to prove your health status.
• Cost of Living Benefit: While you are disabled, this benefit protects you against inflation, subject to limits.
• Retirement Protector Rider: Helps you maintain deposits to a retirement savings plan (RSP) while you are totally disabled.

Benefits are not paid for disabilities due to:

• An act or accident of war
• Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)
• Any injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force

In addition, the policy won’t pay a benefit for any period during which you are incarcerated.

• Guaranteed renewable to age 65 (policy can’t be changed or canceled without your consent)
• After age 65, while you are employed full-time in a gainful occupation up to age 75, you may continue the policy for 24 months; thereafter, the maximum benefit period is 12 months

• Non-Cancellable: We cannot change the policy or premiums, or cancel the policy without your consent, up until you turn age 65. (Rates and benefit periods are subject to change after age 65.)
• Medical Confidence™⁷: Receive faster access to care and treatment by
  appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.
• Long-Term Care Conversion Option: From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health.
• Waiver of Premium During Disability: Your premiums will be waived if you are disabled and being paid monthly benefits.
• Health Care Profession Rider: If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled.
• Portable: You can keep your policy if you change jobs.

The policy pays a total disability benefit as follows:

• First 24 months of disability: Subject to some limitations, you are considered totally disabled if, due to injury or illness, you are:
• Unable to perform the essential duties of your regular occupation, and
• Not engaged in any other gainful occupation, and
• Receiving appropriate physician’s care

(This is the “regular occupation” definition of disability.)

• After 24 months of disability: You continue to be considered totally disabled if, due to injury or illness:
• With any reasonable assistance or modification of job duties and subject to some limitations, you are unable to perform the essential duties of any occupation for which you are reasonably fitted by education, training or experience, considering your prior economic status, and
• You are not working in a gainful occupation, and
• You are receiving appropriate physician’s care

Note: You can purchase the optional Regular Occupation Extension Benefit rider to extend the “regular occupation” definition of disability above from 24 months to the end of your benefit period.

Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.

About Return to Work Benefits

If you die prior to age 65 while receiving total disability benefits, your beneficiary will receive a payment for three times the maximum monthly payable at the time of death.

If you receive any benefits related to your disability under your auto insurance coverage, your disability benefits will be reduced by that amount.

This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from: 30, 60, 90, 120 and 180 days. (360 and 720 days are also available to some occupational classes. The two-year benefit period is not available with a 720-day elimination period.)

Choose from the following optional coverage (subject to eligibility):

• Family Compassionate Care Rider: The Family Compassionate Leave rider provides a monthly benefit to insureds whose spouses or children are diagnosed with a terminal illness. The benefit matches the basic indemnity on the disability policy of the insured, and can continue to the earlier of 12 months of the death of the insured’s family member. Premiums on the disability policy are waived while the benefit is being paid. *Not available with Wage Loss Replacement Plans
• Additional Monthly Benefits: Adds more coverage to your base coverage.
• Enhanced Definition of Disability Benefit: Extend the regular occupation definition of disability from 24 months to the end of the benefit period. This ensures that you receive full benefits if you can’t work in your regular occupation, provided you are not engaged in any gainful occupation and are receiving a physician’s care.
• Partial Disability Benefit: Receive a portion of your total disability benefit if you are partially disabled, as defined by the policy.
• Future Income Option: To keep pace with your rising income, this allows you to purchase additional coverage on each policy anniversary date, up to age 55, without having to prove your health status.
• Cost of Living Benefit: While you are disabled, this benefit protects you against inflation, subject to limits.
• Retirement Protector Rider: Helps you maintain deposits to a retirement savings plan (RSP) while you are totally disabled.
• First Day of Hospitalization Benefit: Waives the waiting period for total disability as long as you satisfy the policy’s definition of total disability and have been hospitalized for 72 consecutive hours. This ensures payment of the total disability benefit from the first day of hospitalization.
• Accidental Death and Dismemberment Benefit: If you sustain an accidental injury as outlined in your policy, or if you die as a result of an accident, you or your beneficiaries receive a specified benefit based on the type of injury.

Benefits are not paid for disabilities due to:

• An act or accident of war
• Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)
• Any injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force

In addition, the policy won’t pay a benefit for any period during which you are incarcerated.

Your renewal options after age 65 are:

• Policy is non-cancellable to age 65
• After age 65, it is renewable for life if your premiums are paid as required
• Rates and benefit periods are subject to change after age 65

• Guaranteed Renewable: We cannot change or cancel the policy without your consent, up until you turn 65. Premiums are level, but may be subject to change. However, we cannot change your premiums unless we do so for an entire group of policyholders sharing similar characteristics.
• Medical Confidence™ Service⁷: Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.
• Long-term Care Conversion Option: From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health.⁸
• Waiver of Premium During Disability: Your premiums will be waived if you are disabled and being paid monthly benefits.
• Portable: You can keep your policy if you change jobs.

• Guaranteed renewable to age 65 (policy can’t be changed or canceled without your consent)
• After age 65, while you are employed full-time in a gainful occupation, you may continue the policy for total disability only
• The maximum benefit period after age 65 in 24 months

• Rehabilitation: If you enter an approved vocational rehabilitation program, we will waive the requirement of total disability and help pay for the program, subject to the terms of your policy.
• Health Care Profession Rider: If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled.⁹