CARP s TOP 10. Complete. A call for investment and real commitment. A great benefit of CARP membership. advocacy issues for.

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1 Helpful advice from s recommended insurance provider VOLUME 7 ISSUE 3 Complete 4 8 Protection A great benefit of membership. s TOP 10 advocacy issues for 2016 A call for investment and real commitment. Published by The McLennan Group Insurance Inc. and, a New Vision of Aging for Canada.

2 Help protect yourself from the high cost of health care... for less! It s affordable protection for health care expenses not fully covered by provincial plans: dental care, vision care, prescription drugs and more. With five plans, three offering guaranteed acceptance,* you can select the benefits and coverage levels that suit your needs and budget. Apply By April 30, 2016 and for one full year You Pay 2015 Prices. Call or go online for complete details and to request your no-obligation quote. Your protection is our priority. Trusted Advice Since 1993 From s recommended & trusted insurance provider For more than 22 years, The McLennan Group Insurance Inc. has partnered with to design insurance solutions for members across Canada. Working with our life and health arm, The McLennan Group Life Insurance Inc., and partners who are leaders at developing innovative insurance products and services for Canadians 50-plus, we offer the coverage you need to protect your automobiles, home, health, vacations, pets, financial future, and loved ones. Together, our 13 insurance programs offer a complete protection plan, with the right combination of flexible coverage, value, service and advice you can trust. We invite you to compare and see why we re better This issue of Insurance Insights details the features and benefits of our programs. While we know you ll like what you see, we urge you to compare before you buy. No matter whom you choose as a provider, make sure the program you select is right for your needs and budget. Read the fine print and don t be afraid to ask questions! You will find complete details online; coverage details, policy wordings, rate cards, applications and quotes. If you prefer, call us toll-free and speak with a licensed insurance professional. Health & Dental Insurance for Members Call: Online: carpinsurance.ca s trusted insurance provider. Coverage must be effective on or before May 1, Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under licence The Manufacturers Life Insurance Company. *Acceptance subject to receipt of initial premium payment. Product may not be available in all provinces. Life and Health Plans offered by The McLennan Group Life Insurance Inc. The Manufacturers Life Insurance Company STAY SAFE! Don t gamble with your safety. The McLennan Group Insurance Inc. partnered with retired Police Sergeant Bob Paterson to develop and share practical safety tips for Canadians 50-plus. Find great advice and more at: Auto & Home Insurance offered by The McLennan Group Insurance Inc. and is underwritten by Northbridge Personal Insurance Corporation, Northbridge General Insurance Corporation, Traders General Insurance Company or Zenith Insurance Company, depending on your province of residence. Premiums and eligibility for group program will vary for specific drivers depending upon individual factors. Pet Insurance underwritten by Northbridge General Insurance Corporation and distributed by PTZ Insurance Brokers Ltd. (by Sodaco Juridique Inc. in Quebec). Life and Health plans offered by The McLennan Group Life Insurance Inc. Health & Dental, Guaranteed Issue Life, and Term Life Insurance, FollowMe Health, and FollowMe Life underwritten by The Manufacturers Life Insurance Company. / Trademarks held by The Manufacturers Life Insurance Company. Travel Insurance underwritten by The Manufacturers Life Insurance Company and its wholly-owned subsidiary First North American Insurance Company. Critical Illness and Long Term Care Insurance offered through MyDignity Inc. AD&D Insurance underwritten by Chartis Insurance Company. Group rates and certain products may not be available in all jurisdictions. Certain conditions, limitations, exclusions and restrictions apply. Please refer to your policy wordings for complete details. Volume 7, Issue 3 INSURANCE INSIGHTS 3

3 Auto & Home Insurance A better insurance plan exclusively for members Travel Insurance It might be the most important decision you ll ever make We started with better rates for good drivers and homeowners 50-plus, then added everything members need in an auto & home insurance plan. Discounts: You can enjoy more savings on your auto and home insurance with 17 available discounts, including multi-vehicle, claims-free, and monitored alarm. Coverage Options: Along with your automobiles and home, protection is available for touring-style motorcycles, watercraft, motorhomes, a loved one s possessions while in a health care facility, and more. A list of discounts and coverage is online. More for members: Identity theft protection allows up to $25,000 for eligible expenses. Protect your premiums with our two optional endorsements: Accident Forgiveness and new Minor Conviction Forgiveness. In an emergency, claims service is available 24 hours a day. For members covered with physical damage insurance, our emergency roadside assistance will reimburse you up to $100 per occurrence for towing or other emergency road services, to a $200 maximum per policy year. Added member benefits: A 5% discount exclusively for members! Coverage offered at no cost for two children age 15 or younger, travelling with parents/ grandparents who are 55 or older and are insured with a multi-trip annual plan. Trip cancellation coverage up to $1,000 at no extra cost with multi-trip annual plans. You can t afford to buy on price alone Outside Canada, coverage from provincial health plans is limited. With an extended hospital stay, that can be financially crippling. So we do what it takes to make certain that members are protected. We offer you multi-trip annual plans and single trip daily plans with easy qualification, no medical exam, and multiple coverage options. With an underwritten plan, we can even offer coverage for unstable pre-existing conditions. Worldwide emergency assistance is available 24 hours a day, seven days a week. And you ll be protected with a $5 million policy maximum. Go online to review our rates, policy wordings and applications, obtain your quote, and to learn about no-charge medical concierge services for members. Combine your automobile and home polices for added convenience and savings. If you ve got questions, simply call our licensed brokers We ll help you understand the medical questions on your application, and will offer coverage advice you can trust. Because we want you to be properly insured. Auto & Home Insurance for Members Toll-Free: carpinsurance.ca Travel Insurance for Members Toll-Free: carpinsurance.ca 4 INSURANCE INSIGHTS Volume 7, Issue 3 Volume 7, Issue 3 INSURANCE INSIGHTS 5

4 Long Term Care Insurance Helps protect your independence, dignity and life savings Critical Illness Insurance Designed to help make sure you can survive financially You can choose the type of care that will suit your needs Daily care will be necessary on a long term basis if you become physically dependent due to accident, illness or aging, are unable to perform the activities of daily living, or become cognitively impaired. But with limited government funding, your costs could be thousands of dollars each month. Further, it s predicted that the average Canadian will soon spend more time caring for their elderly family members than raising their children. Long term care insurance provides members with tax-free income benefits that give you the freedom to receive care in a long term care facility or your own home - it s your choice. Coverage is available to age 80, with lower rates to age 65. Premiums are based on age at time of application. Our partners, MyDignity MyDignity have offered long term care insurance and critical illness insurance in Canada for more than 30 years. They shop the market to find the best coverage solution and value for your specific needs and budget. Consider Simplified Issue Long Term Care Insurance If you find coverage hard to obtain or you don t know where to begin, we offer a solution with simplified acceptance due to limited health questions, less underwriting, and no medical exam required. You can buy coverage with lifetime benefits of $50,000 or more to age 80. Value-added assistance services like housekeeping are no extra cost. You can cover expenses incurred during treatment and recovery Being stricken with a critical illness is not like having the flu. You may be incapacitated, unable to care for yourself. Recovery can be long and expenses not covered by your provincial health plan or other insurance can be tens of thousands of dollars. You may be unable to function in your current home or return to work. Further, consider that the odds of you or someone you love being affected by a serious condition such as a heart attack, stroke or cancer are over one in three. Tax-free payments upon diagnosis of a covered illness With critical illness insurance and help from our program partner MyDignity, your only concern will be getting well. You can use the benefits for income replacement, home renovations, travel, etc. - the choice is yours. Be aware that underwriting guidelines can be strict, as they will examine the applicant s health, lifestyle, and their family s medical history. Coverage is available to age 65, while premiums can be costly past age 55. members: our long term care and critical illness insurance plans are offered together to help you better understand the similarities and differences. For more details, please call program partner MyDignity. They ll answer your questions and help you make an informed decision. Long Term Care Insurance for Members Toll-Free: carpinsurance.ca Critical Illness Insurance for Members Toll-Free: carpinsurance.ca 6 INSURANCE INSIGHTS Volume 7, Issue 3 Volume 7, Issue 3 INSURANCE INSIGHTS 7

5 REPORT s TOP 10 Advocacy Issues 2016 Every year, focuses their efforts on advocacy issues that call for real political commitment and long-term investment from all levels of government. Here are s Top 10 Advocacy Issues for 2016: 1 Retirement Income Security: Canadians are not saving enough for their retirement needs. Over 12 million are without a workplace pension plan, and 600,000 over 65 live in poverty. In light of these facts, has advocated for better retirement security by promoting a supplementary Universal Pension Plan (UPP) since The UPP would work like the Canada Pension Plan (CPP), allowing all Canadians to safely save with a large national plan. To start, supports a modest increase to the CPP. In 2013/14, played a pivotal role in the introduction of the Ontario Retirement Pension Plan, and will continue to advocate for a UPP that will help all Canadians prepare for their retirement. Now, with a new federal government that campaigned on a promise to enhance the CPP, Canadians should expect federal and provincial governments to meet in early 2016 to act on expanding the CPP. Pension reform is urgent, and will continue to fight for an increase to the CPP, to improve security in retirement for Canadians now and in the future. Protecting retirement income: in front of an audience of members during his September 2015 campaign stop, newly elected Prime Minister Justin Trudeau made a promise to work with the provinces and territories to boost the Canada Pension Plan. takes the long view in advocating for the social, financial, and health needs of all Canadians as we age. As political priorities evolve, politicians can be reluctant to champion policies with benefits that won t be realized until well after the next election cycle. ensures governments lengthen their time horizon in addressing the challenges and opportunities that lie ahead as Canadians live longer and the population ages. 2 National Dementia Care Strategy: Dementia is an illness that robs people of their personality, cognitive ability, independence, control, and well-being essential traits that make people who they are. It is no wonder that living in the world of dementia is often frightening, daunting, and unpredictable for patients, as well as the family and friends who are providing round-the-clock care. Over 750,000 Canadians were living with dementia in 2011, and millions more were providing informal care. To address the challenges of dementia and those living with it, calls for a paradigm shift in how we care for dementia. Canadians need a comprehensive approach including greater caregiver support, mandatory dementia care training for health care providers, and more funding for home care and long-term care. 8 REPORT You can learn more by visiting: carp.ca You can learn more by visiting: carp.ca REPORT 9

6 REPORT 3 Universal Pharmacare: has long been calling for more affordable drugs and equal access to drugs for all Canadians. The health of Canadians and the sustainability of Canada s health care system depend on it. When asked in a recent Poll, 75% of members said they want government action on universal pharmacare. In addition, most say that drug prices should be identical across Canada. Responding to such demands, is calling for a universal pharmacare that: Includes catastrophic coverage and more comprehensive coverage of drugs. Ensures Canadians have equal access to affordable drugs regardless of their location and income. Saves money through effective pricing, promoting affordability and system sustainability. As a first step, the new federal government is planning to introduce intragovernmental bulk buying to drive down prices. Still, will continue to call on the provinces along with the federal government to create a national pharmacare plan. met with Dr. Hoskins, Ontario s Minister of Health and Long-Term Care, to discuss the need for a national pharmacare program and better access to home and community care. 4 Home Care: Canadians want to age in their homes for as long as possible. Access to home care is essential to ensuring they can age safely, comfortably and independently. Unfortunately, many older Canadians spend long periods waiting for home care due to inadequate funding and a lack of coordination between local agencies. is calling for national home care standards and sustained funding starting with the federal government delivering on their election promise of $4 billion in new funding for home care services. s TOP 10 Advocacy Issues Older Workers: The right to stay working and remain engaged in the workforce is under threat for many older Canadians. Some are pressured to make room for younger employees, even though they have the experience, skills, and potential to continue making contributions. Some barriers are structural, while others are a part of workplace age discrimination. Today s growing cohort of older workers is ready to stay engaged and demonstrate their value to the economy and our society. Governments and businesses alike have a vested interest in encouraging continued contributions from older workers. 6 End-of-Life-Care: Improving end-of-life-care must become a priority. A majority of members polled say a good death, one in which the patient has control, choice and dignity, is not yet possible in Canada. In 2014, hosted a televised discussion to inspire families to have a conversation on the subject. Our panel included a range of experts such as MP Steven Fletcher, who has tabled two Private Member s Bills relating to physician-assisted death. The Supreme Court of Canada has since ruled the criminal ban on assisted dying is unconstitutional for those who are grievously and irremediably ill and suffering unbearably, and gave federal and provincial governments until February 2016 to craft legislation to respond to the ruling. continues to lead the charge on improving end-of-life care in Canada, and anticipates new federal funding for palliative care, as promised in the 2015 election campaign. 7 Age-Friendly Cities: As older Canadians confront health or financial challenges, many may ask themselves, Will I have to move? In a truly Age-Friendly City, the answer is no. Nearly 80% of older Canadians 55-plus already live in urban areas, while others are moving to cities at increasing rates. The aging demographic places greater urgency on municipal governments to ensure aging residents can continue to meet daily living and health care needs by being physically active, engaged in the community, and contributing to civic life. is calling on all municipalities across Canada to make major urban centres model Age-Friendly Cities. 10 REPORT You can learn more by visiting: carp.ca You can learn more by visiting: carp.ca REPORT 11

7 REPORT s TOP 10 Advocacy Issues Investor Protection: Yes, everyone wants financial security in retirement. However, the aftermath of the financial crisis, the proliferation of financial professional designations, and increasingly complex investment products have made retirement planning and saving increasingly difficult. In addition, the irregularity of information and a lack of standards regulating financial advisors have left many investors with an uneven playing field. To level the playing field between retail investors and the financial advisory industry, calls for a legislated fiduciary duty that will allow investors the opportunity to save for their retirement both adequately and fairly, provide more protection from conflicts of interest, misconduct, and fraud, and improve access to restitution. 9Health Care Transformation: calls for the health care system to wrap around Canadians 360 degrees, prioritizing the needs of patients rather than service providers. By doing this, the health care system is to treat patients as health care citizens, providing clear and direct access to care from first diagnosis or acute episode, to acute care, to home and community-based long-term care, to end-of-life needs. will continue to advocate for a high quality integrated continuum of care, and the right to timely, appropriate, and equal treatment regardless of age, income and postal code. CITIZENSHIP IN HEALTH CARE Prevention Social Determinants of Health End-of-Life Care Medical Treatment & Care Caregiver Support As advocated to the federal Advisory Panel on Health Care Innovation, s call for 360 degrees of care includes five interrelated components: social determinants of health, medical treatment and care, prevention, caregiver support and end-of-life-care. 10 Support for Caregivers: Eight million Canadians provide informal, unpaid care to loved ones. They often bear tremendous stress while trying to help people avoid hospitals and/or nursing homes. Yet limited supports are available to caregivers, many of whom will have to leave the workforce to continue providing care. Susan Eng, Executive Vice President of on CTV News, Power Play with host Don Martin welcoming measures in the 2015 federal budget that have been targeted to help to seniors and their families. is calling for comprehensive caregiver support that should include financial assistance, workplace protection, respite care, and formal training. In 2011, successfully advocated for the Caregiver Tax Credit. This past year, advocacy led to the historic recognition of caregivers across Canada through the Employment Insurance Compassionate Care Benefits, which were extended from six weeks to 26 weeks for those caring for the terminally ill. will continue to work to make sure that the new federal government moves forward with its election promise to make the EI Caregiver Benefit more flexible and more accessible for people caring for sick loved ones. A New Vision of Aging Tell a friend about is the leader in advancing the needs, interests, rights and quality of life for all Canadians as we age. Help us build a better future. Join REPORT You can learn more by visiting: carp.ca You can learn more by visiting: carp.ca REPORT 13

8 Manage the risk, protect their health It s affordable protection against unexpected costs resulting from accident or illness, and helps manage the expenses for tests, medications, etc. Premiums begin at only $20.55 monthly for cats, $30.85 for dogs. Look online for complete plan details. Additional Coverage Options We offer insurance protection for all that s important to you Pet Insurance for Members Toll-Free: Because bad things happen to good people members can obtain AD&D coverage up to $300,000, an in-hospital indemnity benefit for an extended hospital stay, plus a fractured or broken bones benefit up to $5,000 for their injuries from one single accident. Upon request, members get complimentary accidental death & dismemberment coverage. Accident Insurance for Members Call For Details: Help protect their future. With guaranteed life insurance coverage, it s easy and affordable. This is as simple as it gets for members to obtain life insurance. To age 80, your acceptance is guaranteed* for coverage up to $25,000, with no medical questionnaire needed when you apply. Yes, guaranteed! SPECIAL BONUS OFFER: Pay your premiums on monthly payments and you ll receive a complimentary one year membership and subscription to Zoomer magazine! Call or visit us online for complete details. Your protection is our priority. For small business owners like you The McLennan Group Insurance Inc. partners with TruShield Insurance to protect your small business. They offer insurance solutions for your property and contents, company vehicles, employees, day-to-day operations and your bottom line. Small Business Solutions Call: INSURANCE INSIGHTS Volume 7, Issue 3 Guaranteed Issue Life Insurance for Members Call: Online: carpinsurance.ca s trusted insurance provider. Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under licence The Manufacturers Life Insurance Company. *Acceptance subject to receipt of initial premium payment. Membership / subscription offer only available where permitted by law. Membership / subscription offer limited to a single complimentary one year membership / subscription per member, and will be activated when you renew your membership. The Manufacturers Life Insurance Company

9 Your protection is our priority. trusts The McLennan Group Insurance Inc. to deliver innovative insurance solutions for Canadians 50-plus. We offer the coverage needed to protect your health, possessions, financial future, and your loved ones. Members: Free Mobile App! Our easy-to-use app makes insurance easy to understand. You can check out the features and download for free at: carpinsurance.ca. TL Auto & Home Health & Dental Travel Guaranteed Life Term Life Long Term Care Critical Illness Simplified LTC Pet FollowMe Plans Accident (AD&D) Small Business Insurance Programs for Members You ll find complete details online at: carpinsurance.ca s recommended and trusted insurance provider for over 22 years. The McLennan Group Insurance Inc. and The McLennan Group Life Insurance Inc. work with a number of trusted Canadian insurers. Auto & Home Insurance Program and Pet Insurance Program offered by The McLennan Group Insurance Inc. Life and Health Plans are offered by The McLennan Group Life Insurance Inc. Group rates and certain products may not be available in all jurisdictions. Certain conditions and restrictions apply. Please refer to your policy wordings for complete details. The McLennan Group Insurance Inc. respects your privacy. Please visit our website to review our Privacy Commitment.