1 Personalized disability and healthcare protection
3 Are you ready to retire? Probably not! Right now you re focused on earning a living. But how would you protect your income if something happened that kept you from working? The SOLO TM family of income replacement plans was created to help Canadians pay their bills if they are unable to work due to an illness or accident. The best part is that you can customize a plan to fit your needs and your budget. Disability Income Business Expense Solo Loan Medical and legal advice You can also add the following for even more protection: Healthcare insurance Life insurance Critical Illness insurance Long-Term Care insurance
5 Protects your income in the event of a disability due to an accident or illness SOLO disability income
6 Insurance for what is most precious your ability to provide for your family! The reality is that too many Canadians do not have the financial means to see them through an unexpected loss of income. SOLO TM Disability Income pays you monthly income replacement benefits when you are not able to work due to an illness or an accident. This benefit is based on your monthly income and is paid to you for a period of time that you select based upon your financial needs. With SOLO Disability Income, you can focus on getting better!
7 Protects your income in the event of a disability due to an accident or illness Disability Income designed for your reality Monthly benefits from $400 to $9,000 For the first 36 months of your disability, up to $1,200 of your monthly benefit is guaranteed, regardless of any benefit you may receive from the government or other insurance Benefits start after the waiting period, but if you are hospitalized or having day surgery, the benefit will be paid starting on the first day An additional lump sum payment equal to 5 times the monthly benefit in the event of a critical illness such as cancer, stroke or heart attack (25 critical illnesses/ conditions covered) An extra 5% of the monthly benefit will be deposited into a Desjardins Insurance RRSP or savings account of your choice, with the 13th cheque Life insurance equal to 5 times your monthly benefit should you die during a period of disability Features: Waiting period of 14, 30, 60, 90, 120 or 730 days Benefit period of 2 or 5 years, or up to age 65 Premiums adjusted every 10 years or level premium to age 65 Coverage may be extended past age 65 Disability income coverage can be converted into business expense coverage
8 Select from a menu of options: 3 Cost of living: monthly benefit will be increased based on the Consumer Price Index 3 Partial disability: receive monthly benefit payments even during a partial disability or a gradual return to work 3 Residual disability: receive partial benefit payments in case you do not fully recover 3 Refund of premium: refund of 50% of the premiums paid when the contract matures, minus any benefits received 3 Future insurability: option to increase the benefit amount as your income increases, regardless of your state of health 3 Regular occupation period extender: be eligible to continue receiving your monthly benefit, after 24 months of total disability even if you are able to perform another type of occupation SOLO Disability Income allows you to cover your expenses and rehabilitation costs without dipping into your hard earned savings or putting yourself into debt that you may never get out of. Considering how important you are to your family and/or business, you have every reason to protect yourself against the unexpected.
9 If an illness or accident prevented you from working: How long would you be able to pay the bills? How long would you be able to keep things afloat? And what would you do after that? Did you know that there is a one in three chance that you ll experience a disability period lasting 90 days or longer by age 65? Source: Statistics Canada.
10 You are a Type A... They all count on you to get it done... Do you have a plan B in the event of a disability?
11 Covers your business expenses in the event of a disability SOLO Business expense
12 Who would pay your bills if you couldn t work or earn an income and, look after your interests, no matter what? SOLO TM Business Expense pays you a monthly benefit to help cover your overhead costs when you are unable to work due to an accident or illness. By covering expenses such as payroll, rent and property taxes, it allows you to take the time you need to recover. A little planning can go a long way; when you recover and return to work, wouldn t it be great to not have to work twice as much to repay expenses incurred during your absence. Eligible business expenses: 3 Payroll for employees 3 Power, rent, telephone and other utilities 3 Interest expenses 3 Amortization or periodic repayment of capital, including mortgages 3 Professional services of an external accountant 3 Property taxes for the place of business 3 Property and casualty insurance 3 Leasing or amortization of material and equipment, including an automobile
13 Covers your business expenses in the event of a disability Features: Monthly benefits from $400 to $4,000 Waiting period of 30, 90 or 120 days Benefit paid on the first day in the event of hospitalization or day surgery (waiting period less than 120 days) Benefit period of 2 or 3 years Level premium to age 65 Coverage may be extended beyond age 65 SOLO Business Expense helps you meet the financial obligations of your business so you can focus on getting better. With all the responsibilities you have on your shoulders, having your business expenses covered at all times just make sense.
14 If you couldn t work and earn an income, would you still be able to afford your mortgage payments? Would you be able to repay your other loans?
15 Financial security in case of disability solo Loan Insurance
16 Like most of us, you probably have more than one loan. Make sure you ll be able to keep paying them off, no matter what happens. Protect your lifestyle and that of your family. SOLO Loan Insurance from Desjardins Insurance covers your monthly loan payments if you re unable to work because of an illness or accident. All types of loans taken out from any financial institution authorized to do business in Canada are covered. Here are some examples: Mortgage and mortgage line of credit with repayment of capital (plus 25% for property taxes) Line of credit RRSP loan or any other loan to finance an investment Renovation loan Car/motorhome/boat/motorcycle loan or long-term leasing Student loan Personal loan Credit card SOLO Loan Insurance isn t tied to one specific loan; it applies to the sum of your eligible loans when a claim is submitted. Financial evidence of loans or other eligible monthly liabilities is required only when you make a claim.
17 Financial security in case of disability Advantages: ONE insurance contract for all your loans Independence from creditors Ability to choose certain features (benefit amount, waiting period and benefit period) Very flexible coverage (a paid-off loan can easily be replaced with another loan) Non-taxable benefits that aren t integrated or coordinated with other benefits (except for coverages insuring the same loan(s)) Benefit description: Options available: Partial disability Future insurability Regular occupation period extender rider
18 If you needed to be rushed to the hospital, who pays for the ambulance? You want to explore natural or alternative treatments for your illness or injury does anyone cover that? Have you noticed that the cost of dental care only ever goes one way? Up!
19 Covers your medical, paramedical, visual and dental expenses SOLO healthcare
20 Would you like to have the kind of medical and dental perks offered by big companies? An illness or accident can happen to anyone. And when it happens, costs relating to medical and paramedical care quickly add up, especially if you don t have group insurance. SOLO TM Healthcare is the big company perk you can give yourself. It covers your usual healthcare costs, as well as the unexpected, with health coverage similar to group coverage. It picks up where your provincial health insurance leaves off. Coverages offered Medical and paramedical care Vision Care Prescription drugs 1 Dental Benefit Hospitalization Advance Medical services Travel insurance (30 days) Coverage description Coverage up to age 70 Programs offered: Individual Spousal Family Single-parent 1 Coverage that complements your provincial health insurance plan.
21 Covers your medical, paramedical, visual and dental expenses Plans offered 1. Health Plus (Basic Plan) No deductible. Medical and paramedical care: Eligible expenses: Healthcare professionals and alternative medicine practitioners such as massage therapists, chiropractors, physiotherapists and homeopaths Hearing aids, orthotics, insulin pumps, etc. Diagnostic services such as CT scans or MRIs Reimbursement up to $250,000 for all care received, for the term of the contract Vision Care: reimbursement up to $150 per period of 24 consecutive months Travel insurance (30 days): maximum benefit of $5,000,000 per individual Advance Medical services: you have access to the Expert Medical Opinion program where a physician advocate gets you a review from the world s foremost medical experts about any medical condition or treatment. Legal assistance service: information and referral service with respect to human rights, consumer protection, civil liability, will and estates, labour and other areas of law
22 2. Health Plus (Enhanced Plan) Same coverage as the basic plan, but with higher allowable reimbursement amounts for eligible medical and paramedical care. Reimbursement of up to $350,000 for all care received, for the term of the contract. If the enhanced plan is chosen, a prescription drug option must also be added. Optional modules (riders) Prescription drugs Atlantic, Ontario and Western provinces Basic Plan: reimbursement of 70% of the first $4,285. Maximum: $3,000 per individual per contractual year. Enhanced Plan: reimbursement of 70% of the first $4,285 and 90% afterwards. No maximum. Quebec Reimbursement of 100% of dispensing fees not covered by the RAMQ, including the deductible and coinsurance. Dental Benefit 2 Basic Plan: Preventive services (examination, cleaning, etc.): reimbursement of 80% of expenses. Basic care (fillings, gingival curettage and root planing [deep scaling below the gum line] and other minor restoration): reimbursement of 50% of expenses. Annual maximum per person for preventive services and basic care: $700 for all consultations. 2 Available in combination with one of the prescription drug options.
23 Enhanced Plan: Preventive services: reimbursement of 100% of expenses. Basic care: reimbursement of 60% of expenses Annual maximum per person for preventive services and basic care: $750 for the first year, $750 for the second year, and $1,000, starting in the third year. Major care (root canals, periodontics, oral surgery, unerupted teeth extractions, dentures, bridges and overlays, veneers, onlays): reimbursement of 60% of expenses. Annual maximum per person: $500, effective the third year. Comprehensive orthodontic care : reimbursement of 60% of expenses. Annual maximum per person: $1,000 for the term of the contract, starting in the third year. Hospitalization Basic Plan: Reimbursement of room costs up to the cost of a semi-private room (maximum of $150 per day). Cash benefit of $25 per day (30-day maximum), starting on the fourth day of hospitalization if a private or semi-private room is not available. Enhanced Plan: Reimbursement of the cost of a room up to $200 per day. Cash benefit of $50 per day (maximum 60 days), starting on the fourth day of hospitalization if a private or semi-private room is not available. SOLO Healthcare is an excellent complement to our other SOLO products.
24 When faced with a medical problem, it could be difficult to understand all the information needed to make an important decision. How will you know what to do?
25 Offered with your SOLO insurance contract. Medical and legal advice
26 When faced with a medical problem, it could be difficult to understand all the information needed to make an important decision. How will you know what to do? The expert medical advice includes... The medical program Advance medical allow you to consult world-renowned medical specialist. They will gather all available information about your condition and make an evaluation to confirm your diagnosis. This will help you and your personal physician to develop an optimal treatment plan.
27 Offered with your SOLO insurance contract....and a free legal assistance service Do you have problem with a neighbour? Do you want to know your legal obligations after signing a contract? Your protection entitles you access lawyers who will inform you of your rights and remedies, and guide you to the appropriate legal resources for human rights, consumer protection, civil liability, last will and testament, and other legal matters.
29 Life INSURANCE Your family means the world to you! An unexpected loss could be devastating for your family. Along with the emotional toll it takes, it can play havoc with your family finances. The right life insurance plan can make all the difference during this difficult time. Life insurance, as an integral part of your estate planning, will help you: Preserve your assets Facilitate the tax payment at your death Facilitate the purchase of your shares by your partners Facilitate the transfer of your business fairly to your heirs Desjardins Insurance offers you a wide range of life insurance products to meet your current and future needs: Term life insurance Permanent life insurance Universal life insurance Life insurance for children Because your investments are important and your loved ones count on you you need life insurance to ensure that everything is in order in the event of your death.
30 CRITICAL ILLNESS INSURANCE To protect the fruits of your labour! 40% of Canadian women and 45% of men will develop cancer during their lifetimes. Source: Canadian Cancer Society. Have you considered how an illness like cancer, would impact your life? Critical illness and disability income insurance: a perfect match! This is why SOLO Disability Income includes critical illness coverage equal to 5 times your monthly benefit. It is paid on the diagnosis of one of the 25 illnesses covered by Critical Illness insurance, such as cancer, heart attack, stroke. You don t have to be disabled to be eligible, and you can still be working. You can use this amount as you wish, for example, to pay expenses incurred by your illness or hire replacement staff. 5 times your monthly benefit is only basic coverage, you should consider more You can purchase up to $2,000,000 in Critical illness insurance. You can add a premium refund option to get your premiums back if you remain in good health. It can be purchased jointly with your company, which can be tax-effective. Because life goes on during and after your recovery.
31 LONG-TERM CARE INSURANCE If you loose your independence, you can still retain control and live life the way you want! In the next 20 years, one in five Canadians will be at least 65 years old and 50% of those 65 and older will need long-term care. Source: New England Journal of Medicine. Getting out of bed, bathing and dressing are some of the little things that may become impossible to do without help one day. If you do need long-term care, who would you like by your side to help you every day? Long-Term Care insurance a solution that s within your reach: You ll receive a non-taxable monthly benefit if you can no longer perform at least two of the following activities: bathing, dressing, toileting, transferring, maintaining continence or eating, or if you re suffering from a cognitive impairment that threatens your health or safety (e.g., Alzheimer s disease). You can use your benefit as you see fit. You ll have access to advice from healthcare professionals. Don t let your loss of independence become a burden on your family and your assets. As life expectancy increases so does the risk of becoming dependent. Choose long-term care insurance to help you retain control.
32 Desjardins Insurance is a subsidiary of Desjardins Group, the sixth largest financial institution in Canada. Desjardins Insurance ranks fifth among life and health insurers in Canada and first in Québec. For over a century, Desjardins Insurance has provided life insurance, health insurance and retirement savings products to its employees, clients and partners. The company employs nearly 3,800 people in offices across the country, including Vancouver, Calgary, Winnipeg, Toronto, Ottawa, Montréal, Québec, Lévis, Halifax and St. John s. Your representative: SOLO tm desjardinslifeinsurance.com Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. TM Trademark owned by Desjardins Financial Security This document was printed on Cascades Rolland Enviro100 paper E (13-08)
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