1 The Fudametal Series Disability Icome Protectio Feature Summary Protect your most valuable asset your ability to ear a icome what happes if i ca t work? i ru my ow small busiess. what s ext? what would be the best coverage for us? am i protected off the job, too? i m freelace. ca i get coverage? do you cover people i jobs like mie?
2 2 The Fudametal Series Disability Icome Protectio Feature Summary Protect your icome i case of disability or illess If a log-term illess or disability preveted you from earig your regular icome, would you have the fiacial support you would eed to maitai your family s lifestyle? If you re self-employed, a cotract worker or a retailer, the aswer is probably o. I fact, thousads of Caadias have traditioally bee uable to purchase the disability icome protectio they eed, either because it s too expesive, or because they work i a idustry that does t qualify (such as costructio). At RBC Isurace, we believe every Caadia should have access to simple, affordable icome protectio. That s why we offer The Fudametal Series disability icome protectio product.
3 Protect your most valuable asset your ability to ear a icome 3 am i protected off the job, too? Protectio made easy The Fudametal Series disability icome protectio product is differet from traditioal disability offerigs. Your acceptace is guarateed for Ijury-oly coverage upo satisfyig a few simple qualifyig statemets, ad you have the optio to purchase Illess coverage as well. It s specifically desiged to be: simple to apply for affordable, eve for middle-icome earers available to the self-employed, cotract workers, farmers, costructio workers, truckers ad others without group disability coverage, or to idividuals who may eed to top up their existig coverage You ca choose coverage that protects you oly whe you are ot at work or coverage that is i force 24 hours a day, both o ad off the job. This ca make it a valuable extra layer of isurace protectio if you are already covered o your job site by workers compesatio.
4 4 The Fudametal Series Disability Icome Protectio Feature Summary do you cover people i jobs like mie? Solid protectio A disability ca disrupt your lifestyle. You may o loger have a icome, but you ad your family will cotiue to have bills to pay. You will wat to stay i your home ad maitai your usual lifestyle util you have recovered ad are about to retur to work. The Fudametal Series disability icome protectio product ca help. It replaces a portio of your icome if a ijury prevets you from workig for a exteded period of time. You ca also purchase Illess coverage to replace a portio of your icome if a illess prevets you from workig. A mothly beefit is payable if you become totally disabled from a ijury (or from a illess if you also purchased Illess coverage). Totally disabled meas that: you are uable to perform the importat duties of your regular occupatio; ad you are ot egaged i ay gaiful occupatio; ad you are receivig a physicia s care. These beefits are payable for a maximum of 36 moths. After that time, beefits may cotiue to be paid; however, the defiitio of totally disabled chages to mea that: you are uable to egage i ay reasoable occupatio for which you are, or may reasoably become, fit by educatio, traiig or experiece; ad you are receivig a physicia s care. Guarateed acceptace for Ijury-oly coverage It s easy to apply. No medical examiatio is required, ad acceptace is guarateed by aswerig of a few simple questios. The isurace is available to ayoe betwee the ages of 18 ad 69. Guarateed reewable This policy is guarateed reewable. I other words, oce you re accepted, you are protected as log as you cotiue to pay the premiums (guarateed reewal to age 75 for Ijury ad age 70 for Illess).
5 Protect your most valuable asset your ability to ear a icome 5 what happes if i ca t work? Flexible choices to meet your eeds You ca choose to have beefits payable for five years or to age 70. You ca also choose the elimiatio period that meets your eeds best. The elimiatio period is the amout of time you eed to wait for beefits to start after you ve bee ijured or you become ill. For ijuries, you ca choose a elimiatio period of 0, 30 or 120 days. A 0-day elimiatio period meas your beefits ca start the very same day that you re ijured. For illess, you ca choose a elimiatio period of 30 or 120 days. Special features ad optios The Fudametal Series disability icome protectio product has a umber of other valuable beefits, beyod disability protectio. These iclude the followig: Partial disability beefit. If you are partially disabled, you ca receive 50% of the regular beefit for up to six moths. Waiver of premium. If you re totally disabled, your premiums are waived after 30 days (or the ed of your elimiatio period, if loger) for as log as you re receivig beefits. Retur-to-work assistace. You may be able to receive rehabilitatio ad fiacial assistace to help you retur to work. Best Doctors. Whe you purchase illess coverage, you have access to the Best Doctors cosultatio program. Accidetal medical emergecy beefit. If you are ijured i a accidet ad have to pay for emergecy medical care as a result, this beefit may reimburse you up to $10,000. Accidetal Death & Dismembermet. This optioal rider provides a beefit of up to $500,000 if you have a accidet that results i loss of life, eyesight or oe or more limbs. Busiess Overhead Expese protectio If you ru your ow busiess, this coverage helps cover the fixed operatig expeses for your office while you are disabled. There are certai circumstaces where beefits are ot payable. The policy cotais exclusios related to: flyig i a o-commercial aircraft professioal athletic ad uderwater activities
6 6 The Fudametal Series Disability Icome Protectio Feature Summary i m freelace. ca i get coverage? dagerous sports (e.g. sky divig, bugee jumpig) impaired drivig self-iflicted harm or attempted suicide committig a crimial offece drugs ad arcotics riots or acts of war pregacy ad childbirth ifectios related to AIDS ad HIV subjective coditios (e.g. fibromyalgia, chroic fatigue sydrome) metal ad ervous disorders participatio i the armed forces This policy also cotais limitatios related to: back ad eck ijuries degeerative disc disease soft tissue ijuries This list is a summary oly. Please review the policy itself for the complete terms ad coditios, icludig the limitatios ad exclusios.
7 Protect your most valuable asset your ability to ear a icome 7 Key defiitios Busiess icome meas: a) your share of pre-tax profits or losses from a icorporated busiess which was partly or wholly owed by you ad i which you were workig o a full- or parttime basis; or b) your share of busiess icome, less your share of the busiess expeses that are deductible for federal icome tax purposes, from a uicorporated busiess which was partly or wholly owed by you ad i which you were workig o a full- or part-time basis. Cost of goods sold meas the direct costs attributable to the productio of the goods sold by the busiess. It icludes the cost of materials ad supplies but ot the cost of labour. If you are a driver, cost of goods sold icludes the cost of fuel used by the busiess. Employmet icome meas your salary, wages, commissios, fees ad ay regular aual or periodic bous eared from employmet, mius ay employmet expeses that are deductible from employmet icome uder the Icome Tax Act of Caada. Gross reveue meas your share of busiess reveue, before busiess expeses ad taxes, from a icorporated or uicorporated busiess which was partly or wholly owed by you ad i which you are workig o a full-time or part-time basis. Gross reveue is reduced by the sum of the followig: a) cost of goods sold; ad b) ay salaries, wages or bouses paid as employee wages to idividuals employed with the busiess but ot icludig ay amouts paid to you. Guarateed reewable meas that oce issued we caot chage or cacel the policy without your coset, up util you tur age 75 for Ijury coverage ad util you tur age 70 for Illess coverage. Partially disabled or partial disability meas that: a) you are ot totally disabled; ad b) you are egaged i your regular occupatio or ay gaiful occupatio; ad c) due directly to a cotiuig ijury or illess (if Illess coverage was purchased), you are uable to perform either: i) oe or more importat duties of your regular occupatio; or ii) the importat duties of your regular occupatio at least oe-half of the time ormally required; ad d) you are receivig a physicia s care. Reasoable occupatio meas ay occupatio i which you could reasoably expect to ear a aual icome equal to or greater tha the Reasoable Occupatio Icome show i the same row of the Beefit Determiatio Chart i your policy that shows your Maximum Eligible Mothly Beefit. Regular occupatio meas the occupatio or occupatios i which you are regularly egaged for compesatio at the time you become disabled. Totally disabled or total disability meas that: a) due directly to a ijury or illess (if Illess coverage was purchased), you are uable to perform the importat duties of your regular occupatio; ad b) you are ot egaged i ay gaiful occupatio; ad c) you are receivig a physicia s care. After disability beefits have bee payable for 36 moths durig ay period of disability, the total disability meas that: a) due directly to a ijury or illess (if Illess coverage was purchased), you are uable to egage i ay reasoable occupatio for which you are, or may reasoably become, fit by educatio, traiig or experiece; ad b) you are receivig a physicia s care. Defiitios of you, your, ijury, disability, physicia ad other related terms ca be foud i your policy. What to expect whe you make a claim We uderstad that whe somethig ufortuate happes, dealig with the aftermath ca be stressful. That s why we try to support you ad make thigs as easy as possible. I geeral You will eed to complete a claim form ad retur it to us. If you do t have the form, we will sed you oe upo your request. Your physicia will have to complete the relevat sectio of this form. Also, a form may have to be completed by your employer. It is possible that more iformatio will be required, such as details regardig occupatioal duties, fiacial iformatio or further medical documetatio. We will advise you as to what additioal iformatio is required. If you have your isurace policy or policy umber hady whe you call, it will make it easier for us to provide assistace. But if you do t have it, we will still be able to assist you.
8 8 The Fudametal Series Disability Icome Protectio Feature Summary Mothly Pre-Authorized Debit Agreemet The Payor(s) agree(s) that: 1. (a) RBC Life is authorized to make scheduled mothly withdrawals to pay the premium i accordace with the premium schedule set out i the policy, icludig the iitial premium, agaist the accout at the fiacial istitutio provided i the applicatio for isurace, or that the Payor(s) may later desigate. (f) This Agreemet will termiate i respect of all policies icluded i it upo 10 days writte otice by RBC Life or by the Payor(s). The Payor(s) may obtai further iformatio o their right to cacel a PAD Agreemet by visitig the Caadia Paymets Associatio website at (b) RBC Life is ot required to provide otificatio before the iitial premium is debited, or if the amout of withdrawal should vary. (g) I the evet that a PAD is disputed, the Payor(s) agrees to cotact RBC Life. For recourse purposes, this PAD is cosidered a Persoal PAD. (c) Uless otherwise idicated i the applicatio, such withdrawals shall be dated o the day of the moth o which the premium is due uder the policy. The Payor(s) has certai recourse rights if ay debits do ot comply with this Agreemet. For example, the Payor(s) has the right to receive reimbursemet for ay PAD that is ot authorized or is ot cosistet with this PAD Agreemet. To obtai more iformatio o recourse rights, the Payor(s) may cotact their fiacial istitutio or visit (d) The fiacial istitutio idicated i the applicatio is authorized ow or at ay subsequet time to hoour ay requests made by RBC Life to withdraw premiums or fees from the accout idicated below, which may iclude a redraw withi 30 days should ay withdrawal ot clear the accout. (e) Notificatio of ay chage to the iformatio provided below shall be give to RBC Life by the Payor(s) a miimum of five days prior to the ext scheduled withdrawal. The Payor(s) agrees that from time to time they may authorize RBC Life to deduct such paymets from aother accout upo the Payor s oral or writte istructios. (h) The ames ad sigatures of all persos required to authorize withdrawals from the accout are idicated i the applicatio or isurace.
9 Protect your most valuable asset your ability to ear a icome 9 Exclusios Your coverage is subject to the followig exclusios: a) Beefits are ot payable for a disability, or ay other loss covered by this policy or rider, that results, directly or idirectly, from ay ijury that occurs while you are: i. travelig or flyig i ay kid of aircraft, other tha as a fare payig passeger i a certified passeger aircraft provided by a commercial airlie o a regular scheduled or o-scheduled special or chartered flight, operated by a properly certified pilot, flyig betwee duly established ad maitaied commercial airports; ii. participatig i ay type of professioal athletics activity or iteratioal athletic competitio; iii. participatig i ay type of professioal uderwater activities, icludig scuba divig ad uderwater salvage or weldig repair or maiteace; iv. egagig i ay of the followig activities: moutaieerig, idoor or outdoor rock climbig, cavig, parachutig, sky divig, hag glidig, bugee jumpig, racig (for example, but ot limited to, automobile, motorcycle or horse racig) or racig ay water device (e.g. seadoo); v. operatig a vehicle while uder the ifluece of ay drugs (other tha as prescribed ad take i accordace with the istructios of a physicia), or while your blood alcohol level is greater tha 80 milligrams per 100 milligrams of blood (0.08); or vi. icarcerated. b) Beefits are also ot payable for ay period of disability, or ay other loss covered by this policy or rider, that results, directly or idirectly, from: i. illess or disease (if you purchased Ijury-oly coverage); ii. itetioally self-iflicted harm or attempted suicide, icludig ihalig gas or absorbig fumes, whether you are sae or isae; iii. ay ijury that occurs while you are committig or attemptig to commit a crimial offece, uder the laws i the jurisdictio where the offece took place; iv. the use of ay drug, poisoous substace, itoxicat or arcotic, other tha as prescribed by ad take i accordace with the istructio of a physicia; v. egagig i a illegal occupatio, a riot or isurrectio or ay form of public disturbace or a act of declared or udeclared war; vi. ormal pregacy ad childbirth; however, a disability due to complicatios of pregacy that are life threateig to the mother or fetus will be covered for the term the complicatios aloe directly cause disability or loss to the mother. These complicatios iclude but are ot limited to toxemia, pericious vomitig, postpartum hemorrhage ad extra-uterie pregacy; vii. ay type of opportuistic ifectio or sickess if you had Acquired Immue Deficiecy Sydrome (AIDS) ad/or had tested positive for Huma Immuodeficiecy Virus (HIV or ay subtypes) or had symptoms of the above which were diagosed or which maifested themselves prior to the applicable effective date; viii. ay subjective coditio, icludig, but ot limited to, chroic fatigue sydrome, chroic pai sydrome, fibromyalgia, Epstei Barr sydrome, fibrositis, evirometal illess, multiple chemical sesitivity or ay other sydrome of a coditio characterized predomiatly by symptoms that caot be cofirmed with objective medical tests; ix. ay psychiatric, psychological, emotioal, behavioural or ervous disorder, icludig but ot limited to, depressio, axiety, stress or burout, or ay disorder related to substace abuse or depedecy; x. service i the armed forces, the reserves or ay other military orgaizatio. Limitatios Back ad eck ijuries Beefits for back ad eck ijuries will be cosidered for paymet oly where substatiated by diagostic medical tests. Beefits for soft tissue ijuries of the back, eck ad surroudig tissues will be limited as described i the soft tissue ijuries limitatio below. Degeerative disc disease Degeerative disc disease is deemed to be a disease or sickess for the purposes of the sickess exclusio i sectio If Illess coverage was purchased, beefits for ay period of disability that results, directly or idirectly, from degeerative disc disease will be limited to 20 days per period of disability up to a policy lifetime maximum of 120 days. Soft tissue ijuries If ay portio of ay period of disability results, directly or idirectly, from a soft tissue ijury, beefits will be limited as follows: a) If your Occupatioal Class as show o the Policy Schedule is Class 5 or 6, beefits are limited to 20 days for each period of disability. b) If your Occupatioal Class as show o the Policy Schedule is Class 4, beefits are limited to 40 days for each period of disability. c) If your Occupatioal Class as show o the Policy Schedule is Class 3, beefits are limited to 60 days for each period of disability. d) If your Occupatioal Class as show o the Policy Schedule is Class 1 or 2, beefits for a disability that results, directly or idirectly, from a soft tissue ijury are ot limited for each period of disability. However, whe you have received paymets for a cumulative total of 36 moths for all such periods of disability, o further beefits will be payable for soft tissue ijuries. Soft tissue ijury meas a cotusio, a sprai or a strai, ad the followig coditios: a) Bursitis f) Platar fasciitis b) Carpal tuel sydrome g) Rotator cuff ijury c) Epicodylitis (medial & lateral) h) Tarsal tuel sydrome d) Patellofemoral sydrome i) Tedoitis e) Palmar fasciitis
10 10 The Fudametal Series Disability Icome Protectio Feature Summary Collectio ad use of persoal iformatio Collectig your persoal iformatio We (RBC Life Isurace Compay) may from time to time collect iformatio about you such as: iformatio establishig your idetity (for example, ame, address, phoe umber, date of birth, etc.) ad your persoal backgroud; iformatio related to or arisig from your relatioship with ad through us; iformatio you provide through the applicatio ad claim process for ay of our isurace products ad services; ad iformatio for the provisio of products ad services. We may collect iformatio from you, either directly or through represetatives. We may collect ad cofirm this iformatio durig the course of our relatioship. We may also obtai this iformatio from a variety of sources icludig hospitals, doctors ad other health care providers, the MIB, Ic., the govermet (icludig govermet health isurace plas) ad other govermetal agecies, other isurace compaies, fiacial istitutios, motor vehicle reports ad your employer. Usig your persoal iformatio This iformatio may be used from time to time for the followig purposes: to verify your idetity ad ivestigate your persoal backgroud; to issue ad maitai isurace products ad services you may request; to evaluate isurace risk ad maage claims; to better uderstad your isurace situatio; to determie your eligibility for isurace products ad services we offer; to help us better uderstad the curret ad future eeds of our cliets; to commuicate to you ay beefit, feature ad other iformatio about products ad services you have with us; to help us better maage our busiess ad your relatioship with us; ad as required or permitted by law. For these purposes, we may make this iformatio available to our employees, our agets ad service providers, ad third parties, who are required to maitai the cofidetiality of this iformatio. I the evet our service provider is located outside of Caada, the service provider is boud by, ad the iformatio may be disclosed i accordace with, the laws of the jurisdictio i which the service provider is located. Third parties may iclude other isurace compaies, the MIB, Ic. ad fiacial istitutios. We may also use this iformatio ad share it with RBC compaies (i) to maage our risks ad operatios ad those of RBC compaies, (ii) to comply with valid requests for iformatio about you from regulators, govermet agecies, public bodies or other etities who have a right to issue such requests, ad (iii) to let RBC compaies kow your choices uder Other uses of your persoal iformatio for the sole purpose of hoourig your choices. If we have your social isurace umber, we may use it for tax related purposes ad share it with the appropriate govermet agecies. Please ote that this paragraph is ot applicable if this form is submitted by a idepedet represetative or a represetative that is attached to a firm other tha RBC Isurace. Other uses of your persoal iformatio We may use this iformatio to promote our products ad services, ad promote products ad services of third parties we select, which may be of iterest to you. We may commuicate with you through various chaels, icludig telephoe, computer or mail, usig the cotact iformatio you have provided. We may also, where ot prohibited by law, share this iformatio with RBC compaies for the purpose of referrig you to them or promotig to you products ad services which may be of iterest to you. We ad RBC compaies may commuicate with you through various chaels, icludig telephoe, computer or mail, usig the cotact iformatio you have provided. You ackowledge that as a result of such sharig they may advise us of those products or services provided. If you also deal with RBC compaies, we may, where ot prohibited by law, cosolidate this iformatio with iformatio they have about you to allow us ad ay of them to maage your relatioship with RBC compaies ad our busiess. You uderstad that we ad RBC compaies are separate, affiliated corporatios. RBC compaies iclude our affiliates which are egaged i the busiess of providig ay oe or more of the followig services to the public: deposits, loas ad other persoal fiacial services; credit, charge ad paymet card services; trust ad custodial services; securities ad brokerage services; ad isurace services. You may choose ot to have this iformatio shared or used for ay of these Other uses by cotactig us as set out below, ad i this evet, you will ot be refused isurace products or services just for that reaso. We will ever use or share your health iformatio for these purposes. We will respect your choices ad, as metioed above, we may share your choices with RBC compaies for the sole purpose of hoourig your choices regardig Other uses of your persoal iformatio. Your right to access your persoal iformatio You may obtai access to the iformatio we hold about you at ay time ad review its cotet ad accuracy, ad have it ameded as appropriate; however, access may be restricted as permitted or required by law. To request access to such iformatio, to ask questios about our privacy policies or to request that the iformatio ot be used for ay or all of the purposes outlied i Other uses of your persoal iformatio you may do so ow or at ay time i the future by cotactig us at: RBC Life Isurace Compay P.O. Box 515, Statio A, Mississauga, Otario L5A 4M3 Telephoe: Facsimile: Our privacy policies You may obtai more iformatio about our privacy policies by askig for a copy of our Fiacial fraud prevetio ad privacy brochure about privacy, by callig us at the toll free umber show above or by visitig our website at
11 Protect your most valuable asset your ability to ear a icome 11 Receipt For your records RECEIPT & INFORMATION NOTICE (This sectio must be completed ad left with the applicat.) Loss of Icome Ijury ad Illess What you are applyig for? INJURY Oly Coverage ILLNESS Oly Coverage INJURY & ILLNESS Coverage INJURY coverage applied for: Coverage Type 24-hour No-occupatioal Beefit Period 5 years or to age 70 Elimiatio Period 0 days 30 days 120 days Mothly Beefit Amout $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 Other $ (A) ILLNESS coverage applied for: Beefit Period 5 years or to age 70 Elimiatio Period 30 days 120 days Mothly Beefit Amout $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 Other $ (B) Accidetal Death & Dismembermet What you are applyig for? AD&D AD&D with AMER Beefit Amout $100,000 $200,000 $300,000 $400,000 $500,000 $ (C) BUSINESS OVERHEAD EXPENSE What you are applyig for? INJURY Oly Coverage INJURY & ILLNESS Coverage INJURY coverage applied for: Mothly Beefit Amout $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 Other $ (D) ILLNESS coverage applied for: Mothly Beefit Amout $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 Other $ (E) Mothly Premium (A+B+C+D+E) $ We will withdraw the first premium upo receipt of your applicatio usig the PAD iformatio you provided us. Ijury coverage will become effective o the date of the applicatio if iitial premium is hooured o presetatio. Illess coverage is uderwritte ad effective the date specified o the policy. Advisor Sigature Prit Name Here Telephoe
12 Protectio from a ame you ca trust RBC Isurace, through its operatig etities, provides a wide rage of travel, life, health, home, auto, wealth ad reisurace products ad solutios, as well as creditor ad busiess isurace services, to idividual ad group cliets. With more tha four millio cliets globally, RBC Isurace is oe of the largest Caadia bak-owed group of isurace compaies ad amog the fastest growig isurace orgaizatios i the coutry. If you have ay questios about your policy or would like more iformatio about The Fudametal Series disability icome protectio product or other RBC Isurace products, please speak with your Isurace Advisor. This is a brief overview of the beefits, key defiitios, ad exclusios ad limitatios. Please refer to the policy for complete details. I the evet of ay icosistecies betwee this ad the policy s wordig, the actual policy will prevail. Uderwritte by RBC Life Isurace Compay. / Trademark(s) of Royal Bak of Caada. Used uder licece. All other trademarks are the property of their respective ower(s). Ay modificatios of this documet without prior coset is prohibited. VPS (06/2014)