Safeguard What s Important

Size: px
Start display at page:

Download "Safeguard What s Important"

Transcription

1 Helpful advice from s recommended insurance provider VOLUME 7 ISSUE 2 3 Safeguard What s Important It s a complete protection plan for Canadians 50-plus A better plan for members. Everything you need. A stronger voice for all Canadians. is keeping the issues front & centre. Published by The McLennan Group Insurance Inc. and, a New Vision of Aging for Canada.

2 Additional Coverage Options We offer insurance protection for all that s important to you Trusted Advice Since 1993 From s recommended & trusted insurance provider 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. 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. Pet Insurance for Members Call 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: Small Business Solutions Call: For more than 21 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. STAY SAFE! 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. 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. 2 INSURANCE INSIGHTS Volume 7, Issue 2 Volume 7, Issue 12 INSURANCE INSIGHTS 3

3 Life Insurance Plans Make plans to safeguard your family s financial future Health & Dental Insurance It s easy and affordable to take control of your health care Two coverage options - choose the one that s right for you Guaranteed Issue Life If obtaining coverage is a concern, members between 50 and 80 enjoy guaranteed acceptance* with no medical questionnaire required. Available coverage ranges from $2,500 to $25,000 - accidental death will pay benef iciaries f ive times the policy amount. The Living Benef it cash advance is designed to help you cope with a terminal illness. members receive added protection with a no risk 30-day free look guarantee. Term Life Insurance members to age 70 who want more insurance for the money can obtain term coverage ranging from $50,000 up to $150,000. When approved, your premiums are set and are guaranteed not to increase for 10 years. Your coverage is renewable every 10 years up to age 85, regardless of changes to your health. Before age 70, you can convert your term plan to a permanent life policy without any additional medical information required. No matter which type of life insurance coverage you choose to protect your loved ones, rates will be based on your gender, smoking status and age at application. Provincial health plans don t cover the full cost for many health benefits. So protect yourself from the high cost of health care with cost-effective coverage for dental care, vision care, prescription drugs and more. Select the benefits, coverage levels and co-pay amounts that will meet your individual needs. Five plans with members-only rates and no age limit Three plans with guaranteed acceptance* require no medical questionnaire: - Extended Health Care; more homecare/nursing coverage. - Dental Enhanced; comprehensive dental care coverage. - Three Star; great value, basic coverage for most benef its. Four Star Plan; comprehensive coverage on all benef its and services - medical questionnaire required. Five Star Plan; offering the highest coverage levels and low co-pay amounts - medical questionnaire required. If you re losing group benef its FollowMe Life offers coverage up to the amount you had with your group plan, with a $200,000 maximum. FollowMe Health protects you with benefits similar to those with your employer-sponsored plan. For guaranteed acceptance* and no waiting period, apply within 60 days of losing group coverage. Call the Life or Health & Dental numbers, or go online for complete details. *Subject to receipt of initial premium payment. Guaranteed Issue Life Insurance for Members Call: Term Life Insurance for Members Call: Health & Dental Insurance for Members Call Toll-Free: carpinsurance.ca 4 INSURANCE INSIGHTS Volume 7, Issue 2 Volume 7, Issue 2 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 Call Toll-Free: carpinsurance.ca Critical Illness Insurance for Members Call Toll-Free: carpinsurance.ca 6 INSURANCE INSIGHTS Volume 7, Issue 2 Volume 7, Issue 2 INSURANCE INSIGHTS 7

5 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: Accident forgiveness means after enrollment, rates won t increase as a result of your first accident. Identity theft protection allows up to $25,000 for eligible expenses during identity recovery. 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 Call Toll-Free: carpinsurance.ca Travel Insurance for Members Call Toll-Free: carpinsurance.ca 8 INSURANCE INSIGHTS Volume 7, Issue 2 Volume 7, Issue 2 INSURANCE INSIGHTS 9

6 REPORT Keeping The Issues Front & Centre Joins the Fight to Save Door-to-Door Mail Delivery Right from the start, has been raising awareness of how Canada Post s move to community mailboxes will negatively affect most older Canadians, especially those with mobility challenges. But when mailbox installation started in Hamilton and Henry Evans-Tenbrinke began a sit-in on the proposed site in his neighbourhood to protest the cuts to door-to-door delivery, members all across the country rose in support of his stance for mail delivery in his community. Hamilton Chapter Chair, Doug Stone, and Anthony Quinn, Director of Community Development delivered s letter of support and joined the sit-in protest this past June. recently sent an open letter to all GTA Mayors to act on citizens concerns and stop community mailbox installation. continues to push for a reversal of Canada Post s decision, as we support Mr. Evans-Tenbrinke and likeminded Canadians in the protection of valuable public services. Front: Henry Evans-Tenbrinke. Back: Malcolm Buchanan (CURC), Doug Stone and Amar Chahil ( Hamilton), Ken Stone (CURC) Newfoundland Talks Seniors Care at CMA Roundtable Health care is still the highest priority for many Canadians. has pushed for transformative change to a health care system that s difficult to navigate, complex, incomplete and failing to meet our chronic care needs. The Newfoundland Chapter representatives attended a recent Seniors Care roundtable hosted by the Canadian Medical Association (CMA) and met with local MPs and MLAs. At the meeting, called for a health care system in which Canadians are not treated as consumers, but health care citizens who expect a system governed by universality, quality and access - values found in the Canada Health Act. Many other participants shared their concerns and recommendations for improvement, and agreed to make Seniors Care a priority in the next Federal Election. Ottawa and Halton Weigh in on Ontario s Elder Abuse Strategy has long urged provincial governments to help end elder abuse with a comprehensive strategy including a hot line, a duty to report, whistleblower protection, caregiver support, and investigative support. Representatives of Ottawa and Halton shared their concern about the prevalence of elder abuse and lack of supports during Ontario s Elder Abuse Strategy discussions in July. More needs to be done to build awareness and extend access to support services in our communities. And there are opportunities to educate students, so they don t tolerate any form of abuse. will continue to monitor the provinces efforts to end elder abuse, and ensure supports and services are in place for affected individuals and their families. Edmonton Raising Seniors Health as a Priority Edmonton met with the new Alberta Minister of Health and Minister of Seniors, Sarah Hoffman this July to raise the concerns of members, such as issues around homecare delivery and standards, availability of long term care spaces, staffing and standards of care. Edmonton and Calgary will have more meetings with the Minister and provincial government to enhance the quality of life for Albertans. Alberta s Minister of Health and Minister of Seniors, Sarah Hoffman front row, fourth from the left; Bernice Rempel chair of Edmonton front row, second from the right. 10 REPORT To Find Out More Visit carp.ca To Find Out More Visit carp.ca REPORT 11

7 For the first time, pension reform is part of all three parties platforms ahead of the Federal Election. Almost 10 years has passed since began advocating for an increase to the Canada Pension Plan (CPP) to provide greater retirement security for all Canadians, while also helping draw attention to the issue of inadequate savings and disappearing workplace pensions. s push for an increased CPP involved many calls REPORT is Pushing for Canada Pension Plan Reform in the 2015 Federal Election Cross Canada representatives of meeting with Ontario s Premier and the Minister of Finance to encourage them to get their counterparts in other provinces to call for an enhancement of CPP, leading up to the Federal-Territorial-Provincial Finance Ministers Annual Meeting back in to action, submissions to government, and shedding light on this issue in the media. With the 2015 Federal Election around the corner, we are starting to make some headway. In May 2015, Federal Finance Minister Joe Oliver made an announcement that signalled a 180 degree turn from the Conservatives longstanding position on the CPP. He said that the government would discuss the possibility of allowing Canadians to make voluntary additional contributions to the CPP to supplement their retirement savings. Granted, this is not the same as s call for an increase to mandatory contributions. A New Vision of Aging For Canada However, the Conservatives voluntary contribution proposal marks the first time that pension reform is part of all three parties platforms. Leaders of the NDP and Liberal parties both made assurances to members during s annual general meetings, committing to a mandatory increase to the CPP if elected. The long running debate about CPP has also been a hot topic provincially. While the federal government continued to drag its feet, the Ontario Liberals created their own made-in-ontario pension plan and won the provincial election in 2014 with a platform that promised a CPP-like provincial plan. now sits on the Ontario Technical Advisory Committee and advises the government on how it can design and implement the provincial plan based on s recommended Universal Pension Plan a plan that is independent, professionally managed, uses existing enrolment and administration mechanisms, has employer contributions, has predictable benefits, and is large enough to withstand market shocks. members and the broader public have shown overwhelming support in favor of CPP expansion - 71% of members say that CPP enhancement is a ballot box issue. The time is ripe for change to make sure that all Canadians have enough to meet their retirement needs and thrive during their golden years, and will continue on this journey until a mandatory increase to CPP is a national reality. Susan Eng, Executive Vice President of on CTV News, Power Play responds to the Finance Minister s announcement about considering voluntary contribution to the CPP, May REPORT To Find Out More Visit carp.ca To Find Out More Visit carp.ca REPORT 13

8 & Over 50 Groups from Seniors Vote launch Get Out The Vote! Seniors Vote - a collaboration of seniors, retirees, professional and advocacy groups, led by, Congress of Union Retirees of Canada and National Pensioners Federation - are calling for the issues of financial security in retirement and health care reform to be on the federal agenda. In their open letter sent to the Minister of Finance and Opposition Finance Critics before the Spring 2015 federal budget, Seniors Vote highlighted what seniors will vote for including an increase to the CPP and national home care standards. Recognizing increased voter turnout is critical to ensuring a better Canada for generations to come, Seniors Vote has launched Get Out The Vote!, to help encourage older Canadians get their family members and friends to vote in this year s Federal Election. Seniors Vote understands that voting is fundamental to a democratic society and helps to ensure that the decisions made are representative of the citizens. 75% of Canadians 65 and older voted in the 2011 Federal Election, but only 46% age turned out at the polls. REPORT Get Out The Vote! is calling upon older voters to change this. To start, we encourage everyone to check if you are on the voter list, confirm that your name and address is correct and visit the Elections Canada website for more details. Then identify at least three family members or friends who currently don t vote and urge them to register with Elections Canada. Lastly, we encourage you to engage in discussions and share content on social media while attaching hashtags #SeniorsVote and #GetOutTheVote to publicize the initiative and build momentum with younger voters. Our goal is to ensure that all eligible Canadians will be voting citizens. 14 REPORT To Find Out More Visit carp.ca Yes, you care for them. But who will be there to care for you? - Your partner to help you thrive in your future. fights for better caregiver support, more homecare, better pensions, and a stronger future. Join today. Visit or call A New Vision of Aging for Canada

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 21 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.

Have questions when you buy insurance

Have questions when you buy insurance Helpful advice from CARP s recommended & trusted insurance provider VOLUME 5 Have questions when you buy insurance Inside this issue: HOW do I choose the right coverage? WHAT makes the plans different?

More information

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

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

More information

PREPARED & PROTECTED It s the most important buying decision you will ever make!

PREPARED & PROTECTED It s the most important buying decision you will ever make! Helpful advice from s recommended insurance provider 6 4 8 Protect your life savings, dignity and independence. Ensuring your long term care. As the election draws near, what do seniors want? Seniors Vote

More information

KEEP YOUR MONEY WHERE IT BELONGS A must-read if shopping for auto & home insurance!

KEEP YOUR MONEY WHERE IT BELONGS A must-read if shopping for auto & home insurance! Helpful advice from CARP s recommended insurance provider VOLUME 6 ISSUE 4 PG 8 KEEP YOUR MONEY WHERE IT BELONGS A must-read if shopping for auto & home insurance! Also in this issue: You just can t afford

More information

SUMMER: The right time to prepare for your winter get-away! ALSO IN THIS ISSUE: Safe & secure on the road. CARP s five priority issues.

SUMMER: The right time to prepare for your winter get-away! ALSO IN THIS ISSUE: Safe & secure on the road. CARP s five priority issues. Helpful advice from CARP s recommended insurance provider VOLUME 6 ISSUE 1 PG 8 SUMMER: The right time to prepare for your winter get-away! ALSO IN THIS ISSUE: Safe & secure on the road. Take no chances

More information

Keeping You Safe & Secure:

Keeping You Safe & Secure: Helpful advice from CARP s recommended insurance provider PG 2 VOLUME 6 ISSUE 2 Keeping You Safe & Secure: Coverage solutions for CARP members. ALSO IN THIS ISSUE: What type of coverage will be right for

More information

Protecting your family with insurance: How RBC Royal Bank can help

Protecting your family with insurance: How RBC Royal Bank can help Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from

More information

Life Insurance Company

Life Insurance Company Losing your group health and dental coverage? We have solutions. Plans underwritten by The Manufacturers Life Insurance Company Health and dental benefits are often taken for granted. Until they end. Are

More information

Health and dental coverage that begins when your group health benefits end.

Health and dental coverage that begins when your group health benefits end. Health and dental coverage that begins when your group health benefits end. Gain the security that individual healthcare coverage can provide. Regardless of what path in life you take. Life is full of

More information

Health. Government of New Brunswick Questions and Answers. Page 1 of 8

Health. Government of New Brunswick Questions and Answers. Page 1 of 8 Page 1 of 8 Health Government of New Brunswick Questions and Answers 1) What is the New Brunswick Drug Plan? 2) The government s platform committed to a catastrophic drug plan. Is this the same thing?

More information

SMALL BUSINESS OWNERS

SMALL BUSINESS OWNERS HEALTH INSURANCE BUYER S GUIDE FOR SMALL BUSINESS OWNERS 1 Health Insurance Cooperative Agency www.hicinsur.com 913.649.5500 Content Introduction The value of health insurance Understanding health care

More information

Your guide to ADDITIONAL VOLUNTARY BENEFITS

Your guide to ADDITIONAL VOLUNTARY BENEFITS Your guide to ADDITIONAL VOLUNTARY BENEFITS What s Inside Life Insurance... P2 Disability Insurance... P2 Long-Term Care Insurance... P3 Personal Insurance...P3 Auto/Homeowner s/renter s/pet Insurance...

More information

If you decide to retire or have been laid off from your job before you turn 65 and you are not yet eligible for Medicare, what do you do?

If you decide to retire or have been laid off from your job before you turn 65 and you are not yet eligible for Medicare, what do you do? CONTENTS Health Insurance Considerations for Empty Nesters Medicare Considerations Long-Term Care Insurance Considerations Health Insurance Considerations for All Life Situations Disability Insurance Considerations

More information

Backed by our Claims Service Satisfaction Guarantee. Auto Insurance. Protection built around you and your vehicle

Backed by our Claims Service Satisfaction Guarantee. Auto Insurance. Protection built around you and your vehicle Backed by our Claims Service Satisfaction Guarantee Auto Insurance Protection built around you and your vehicle Peace of mind behind the wheel Basic auto insurance is mandatory in Canada, and your provincial

More information

Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service

Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service Group Home and Auto Insurance Your insurance shouldn t leave you wanting more Back Claimed by our s Satis Service facti Guar o ante *n e Total protection and peace of mind built around you For over 50

More information

Don t let the loss of your group benefits take away your peace-of-mind. Call 1-877-COVER ME (1-877-268-3763) For more information,

Don t let the loss of your group benefits take away your peace-of-mind. Call 1-877-COVER ME (1-877-268-3763) For more information, For more information, Call 1-877-COVER ME (1-877-268-3763) Our Customer Service Representatives will be glad to assist you. Or visit our website at www.coverme.com FollowMe is offered through Manulife

More information

CDSPI Retiree Benefits

CDSPI Retiree Benefits CDSPI Retiree Benefits HEALTH BENEFITS AT GREATLY PREFERRED PRICING EXCLUSIVELY FOR RETIRED DENTISTS In retirement you can continue protecting yourself and your family with personal health insurance through

More information

Insurance. Understanding Insurance Basics

Insurance. Understanding Insurance Basics Insurance Understanding Insurance Basics About FCAC With educational materials and interactive tools, the Financial Consumer Agency of Canada (FCAC) provides objective information about financial products

More information

Group Mortgage Loan Insurance

Group Mortgage Loan Insurance Group Mortgage Loan Insurance Protecting your investment... Life and Critical Illness coverage up to $1,000,000 Disability coverage up to $3,500 Single, joint and multi-applicant rates available Full or

More information

Your representative: PERSONALIZED DISABILITY AND HEALTHCARE PROTECTION

Your representative: PERSONALIZED DISABILITY AND HEALTHCARE PROTECTION PERSONALIZED DISABILITY AND HEALTHCARE PROTECTION Desjardins Insurance is a subsidiary of Desjardins Group, the sixth largest financial institution in Canada. Desjardins Insurance ranks fifth among life

More information

Help protect your future from one of life s uncertainties

Help protect your future from one of life s uncertainties Help protect your future from one of life s uncertainties group long term care insurance PROGRAM 46871 06/01/09 Reference # 46871VRSG 04/01/10 Plan today In these uncertain times, it is often difficult

More information

Mortgage Insurance. Mortgage Insurance that is Custom Built to Meet Your Needs. that is Custom Built to Meet Your Needs. About Industrial Alliance...

Mortgage Insurance. Mortgage Insurance that is Custom Built to Meet Your Needs. that is Custom Built to Meet Your Needs. About Industrial Alliance... Mortgage Insurance that is Custom Built to Meet Your Needs HOME PROTECTION PLAN MORTGAGE INSURANCE About Industrial Alliance... Founded in 1892, Industrial Alliance Insurance and Financial Services Inc.

More information

Backed by our Claims Service Satisfaction Guarantee. Home and Auto Insurance. Total protection and peace of mind built around you

Backed by our Claims Service Satisfaction Guarantee. Home and Auto Insurance. Total protection and peace of mind built around you Backed by our Claims Service Satisfaction Guarantee Home and Auto Insurance Total protection and peace of mind built around you It s good to be home Especially when you re well protected Your home is an

More information

GUARANTEED ISSUE LIFE INSURANCE PLAN Live. Live with a plan that can help you and your loved ones.

GUARANTEED ISSUE LIFE INSURANCE PLAN Live. Live with a plan that can help you and your loved ones. Live. Live with a plan that can help you and your loved ones. Enjoy life. ENCON has you covered. ENCON s Guaranteed Issue Life Insurance Plan provides you with life insurance coverage once your employer-sponsored

More information

Term Life Insurance for CARP Members. Protection that fits your life. Today and for years to come.

Term Life Insurance for CARP Members. Protection that fits your life. Today and for years to come. Term Life Insurance for CARP Members Protection that fits your life. Today and for years to come. Finally, An Insurance Plan That Let s You Live Life On Your Terms Since none of us can predict what tomorrow

More information

Group Automobile and Residential Insurance Program Prepared for Canadian Assistive Devices Association

Group Automobile and Residential Insurance Program Prepared for Canadian Assistive Devices Association Group Automobile and Residential Prepared for Canadian Assistive Devices Association Submitted by: Marsh Canada Limited Practice July 23, 2009 1 Practice Marsh s (PCS) specializes in the design, placement

More information

What benefits can build.sm

What benefits can build.sm What benefits can build.sm A Look Inside Group Products... 4 Individual & Worksite Products... 6 Extra Benefits & Services... 8 Online Tools... 10 Customer Service... 12 Request a Quote... 14 1 2 2013

More information

Medicare Made Clear Answer Guide

Medicare Made Clear Answer Guide Medicare Made Clear Answer Guide Y0066_100820_113217 File & Use 08252010 Medicare can be confusing. How do you find the best options to fit your needs? This guide has some answers that may be helpful.

More information

Summary of Benefits. When Benefits Start

Summary of Benefits. When Benefits Start Summary of Benefits Eligibility All full time employees are eligible for all of Westminster College benefits. You are considered full time if you are Faculty with a full time contract or Staff and work

More information

1 800 396-4389 www.carpinsurance.ca. FollowMe TM Life Plan. Life insurance that starts when your group life insurance stops

1 800 396-4389 www.carpinsurance.ca. FollowMe TM Life Plan. Life insurance that starts when your group life insurance stops If you have any questions, please give us a call 1 800 396-4389 www.carpinsurance.ca FollowMe TM Life Plan Brought to you by FollowMe Life insurance plan is offered through Manulife Financial (The Manufacturers

More information

Ensuring Your Pet s Health. A Guide for Pet Owners from the American Animal Hospital Association

Ensuring Your Pet s Health. A Guide for Pet Owners from the American Animal Hospital Association Ensuring Your Pet s Health A Guide for Pet Owners from the American Animal Hospital Association 1 Dear Fellow Pet Owner, Opening your home to a pet is one of the most rewarding experiences you will ever

More information

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See

More information

Table of Contents. Focusing on health...3. Leading to our Options...5. Channelling our strengths. Guiding you in the right direction

Table of Contents. Focusing on health...3. Leading to our Options...5. Channelling our strengths. Guiding you in the right direction Table of Contents Focusing on health...3 Leading to our Options...5 Comprehensive and affordable. coverage Options...6 Options and Options Plus Benefits Comparison... 10 Enhanced coverage Options Plus...

More information

Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University

Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety

More information

The Blue Cross plan will continue to exist for all who retired prior to January 31, 2007.

The Blue Cross plan will continue to exist for all who retired prior to January 31, 2007. Date Name & Address Dear Congratulations on your upcoming retirement! Due to the recent agreement between Canadian Pacific Railway and the TCRC union members, in January 2005 CPR adopted a new approach

More information

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live

More information

Underwritten by Genworth Life Insurance Company

Underwritten by Genworth Life Insurance Company The Teacher Retirement System of Texas Group Long Term Care Insurance Program for New TRS Members Underwritten by Genworth Life Insurance Company 2007 Genworth Financial, Inc. All rights reserved. 45145

More information

North Carolina Institute for Early Childhood Professional Development HEALTH INSURANCE: INFORMATION AND TIPS FOR CHILD CARE EMPLOYEES AND EMPLOYERS

North Carolina Institute for Early Childhood Professional Development HEALTH INSURANCE: INFORMATION AND TIPS FOR CHILD CARE EMPLOYEES AND EMPLOYERS North Carolina Institute for Early Childhood Professional Development HEALTH INSURANCE: INFORMATION AND TIPS FOR CHILD CARE EMPLOYEES AND EMPLOYERS Often times in the early care and education field we

More information

It s time... to rediscover you

It s time... to rediscover you Backed by our Claims Service Satisfaction Guarantee It s time... to rediscover you Home, auto, and leisure & lifestyle insurance that keeps up with you. As an Aviva customer, you ll benefit from: A wide

More information

Shopping for a health care plan can be confusing. Let us help.

Shopping for a health care plan can be confusing. Let us help. We re here to help Shopping for a health care plan can be confusing. Let us help. Thank you for trusting Anthem Blue Cross and Blue Shield for your health coverage. We re here to protect you from the high

More information

The affordable way to pay for healthcare expenses not covered by your regular health insurance

The affordable way to pay for healthcare expenses not covered by your regular health insurance The affordable way to pay for healthcare expenses not covered by your regular health insurance America s #1 option for individuals and families that have a $2,000 health insurance deductible or more Enroll

More information

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See

More information

Take charge of your own finances.

Take charge of your own finances. Taking Care of Yourself What to expect Whether you work outside the home or are a stay-at-home parent, breast cancer might affect your ability to work, which can change your financial situation. If you

More information

If I were no longer around, who would pay my mortgage?

If I were no longer around, who would pay my mortgage? If I were no longer around, who would pay my mortgage? Let us help you create a mortgage protection plan to protect you and your most valuable asset. Mortgage life insurance protection Your house is your

More information

Chambers Plan Renewal April 1st, 2014

Chambers Plan Renewal April 1st, 2014 Volume 20 Number 2 March 2014 Chambers Plan Renewal April 1st, 2014 April 1st marks the annual renewal of your Chambers Plan coverage. At renewal, premiums are generally adjusted for the coming year to

More information

Planning a trip? We have you covered, from travel insurance to managing your money.

Planning a trip? We have you covered, from travel insurance to managing your money. Planning a trip? We have you covered, from travel insurance to managing your money. Getting ready for a trip? It s an exciting time with so much to look forward to and so much to prepare for. Getting ready

More information

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan Flexible Protection Plan Protecting your lifestyle and family with one simple plan Contents Introduction Income Protection Life Protection Critical Illness Protection Protection with a heart Extra things

More information

You Don t Have To Go To Strangers For All Your Insurance & Financial Services

You Don t Have To Go To Strangers For All Your Insurance & Financial Services Financial & Insurance Services... The Credit Union Way MARCH 2010 1-888-439-0770 Email: cufig@goabco.org You Don t Have To Go To Strangers For All Your Insurance & Financial Services YOU CAN NOW GO TO

More information

There s auto insurance, then there s mutual auto insurance. www.townsendmutual.com

There s auto insurance, then there s mutual auto insurance. www.townsendmutual.com There s auto insurance, then there s mutual auto insurance. www.townsendmutual.com The mutual difference Small, but mighty. Ontario Mutuals are more than 40 independent insurance companies that grew in

More information

Protection For Your Mortgage

Protection For Your Mortgage Protection For Your Mortgage Protect What s Important Distribution Guide and Certificate of Insurance 592150 (0715) For use in Quebec only Protection For Your Mortgage Protect What s Important Distribution

More information

Individual health plans for you and your family. Within your reach

Individual health plans for you and your family. Within your reach Individual health plans for you and your family Within your reach Designed to meet your needs Alberta Blue Cross individual health and dental plans help you and your family stay healthy by providing practical

More information

How To Get Health Insurance In Illinois

How To Get Health Insurance In Illinois Health Insurance 101 A Step by Step Guide for College Students and Recent Grads Updated to reflect 2010 health reform changes! Are You Covered for College? Introduction When you re young and healthy it

More information

Your Retiree Medical Transition Guide

Your Retiree Medical Transition Guide Your Retiree Medical Transition Guide What you need to know. Prepare for your enrollment. Partner with your own dedicated Benefits Advisor. Get help paying for your coverage. A New Way to Find the Right

More information

protection Group Term Life Insurance Optional Group Term Life Insurance Short and Long Term Disability Insurance For groups with 2-50 employees:

protection Group Term Life Insurance Optional Group Term Life Insurance Short and Long Term Disability Insurance For groups with 2-50 employees: Anthem Life & Disability Insurance Company Life and disability protection For groups with 2-50 employees: Group Term Life Insurance For groups with 10-50 employees: Optional Group Term Life Insurance Short

More information

4Needs your WHAT S AFTER? ELIMINATE DEBT THE FEWER DEBTS, THE BETTER! Wills and Trusts; Reviewing These Are a Must

4Needs your WHAT S AFTER? ELIMINATE DEBT THE FEWER DEBTS, THE BETTER! Wills and Trusts; Reviewing These Are a Must YOUR SOURCE FOR RETIREMENT PLANNING AND POSSIBILITIES e > N xt WHAT S AFTER? But first, some things to think about before 4Needs your retirement income should meet ELIMINATE DEBT THE FEWER DEBTS, THE BETTER!

More information

How To Get A New Bronwell Drug Plan

How To Get A New Bronwell Drug Plan Questions and Answers New Brunswick Drug Plan December 10, 2013 1) What is the New Brunswick Drug Plan? The New Brunswick Drug Plan is a prescription drug insurance plan that provides drug coverage for

More information

Treutlen County Board of Education

Treutlen County Board of Education Treutlen County Board of Education Your 2015 Open Enrollment Benefits Briefing Disclaimer This material is for informational purposes only and is neither an offer of coverage nor medical advice. It contains

More information

Choosing A Medigap Policy

Choosing A Medigap Policy Choosing A Medigap Policy 2002 Guide To Health Insurance For People With Medicare For People in the Original Medicare Plan This Guide has easy steps to help you buy Medicare Supplement Insurance. Developed

More information

Accident Insurance: Financial Protection Doesn t Happen by Accident

Accident Insurance: Financial Protection Doesn t Happen by Accident Life & Health Insurance Advisor MRCT Benefits Plus is a comprehensive employee benefits, wellness and Human Resources consulting firm offering a variety of financial services to businesses and individuals

More information

For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term Life Insurance

For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term Life Insurance HEALTH Life and disability protection DENTAL VISION LIFE DISABILITY EAP For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term

More information

ANSWERS TO COMMON INSURANCE QUESTIONS for Members of the Canadian Diabetes Association

ANSWERS TO COMMON INSURANCE QUESTIONS for Members of the Canadian Diabetes Association ANSWERS TO COMMON INSURANCE QUESTIONS for Members of the Canadian Diabetes Association WE WILL HELP YOU AND YOUR FAMILY NAVIGATE THE WORLD OF INSURANCE. We provide access to insurance products and services

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

Please review the Website Disclaimer for important information about the contents of this page.

Please review the Website Disclaimer for important information about the contents of this page. Please review the Website Disclaimer for important information about the contents of this page. Accident Accident coverage is designed to help cover the expenses associated with a covered accidental injury.

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the Employees of Lake County Board of County Commissioners 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If

More information

EDUCATION SECTOR. ARTA Retiree Benefits Plan Effective September 1, 2014

EDUCATION SECTOR. ARTA Retiree Benefits Plan Effective September 1, 2014 EDUCATION SECTOR ARTA Retiree Benefits Plan Effective September 1, 2014 In order to be eligible for coverage under the ARTA Retiree Benefits Plan, you must apply for and participate in all public Provincial

More information

Life insurance. Shedding light on A PRACTICAL GUIDE TO HELPING YOU ACHIEVE A LIFETIME OF FINANCIAL SECURITY. Life s brighter under the sun

Life insurance. Shedding light on A PRACTICAL GUIDE TO HELPING YOU ACHIEVE A LIFETIME OF FINANCIAL SECURITY. Life s brighter under the sun Shedding light on Life insurance A PRACTICAL GUIDE TO HELPING YOU ACHIEVE A LIFETIME OF FINANCIAL SECURITY LEARN MORE ABOUT: Safeguarding your loved ones Protecting your future Ensuring your dreams live

More information

ARTA Retiree Benefits Plan Effective January 1, 2013. Health Wise Plus (formerly Enhanced

ARTA Retiree Benefits Plan Effective January 1, 2013. Health Wise Plus (formerly Enhanced PUBLIC SECTOR ARTA Retiree Benefits Plan Effective January 1, 2013 The Health & Dental Plan renews automatically on September 1 every year. There are a number of voluntary benefits options available to

More information

OPIP Frequently Asked Questions

OPIP Frequently Asked Questions Eligibility: 1 Who is eligible to apply for OPIP? You are eligible to apply if you are a physician (excluding a resident) who: resides in Canada; is registered with the College of Physician and Surgeons

More information

Guarantee Standard Issue Program Overview

Guarantee Standard Issue Program Overview Guarantee Standard Issue Program Overview 2 Guarantee Standard Issue Table of contents What is the GSI program? Pg. 3 Program facts and advantages Pg. 5 Selecting coverage under the GSI program Pg. 6 Underwriting

More information

Personalized disability and healthcare protection

Personalized disability and healthcare protection Personalized disability and healthcare protection 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

More information

Blue Solutions Specialty Services

Blue Solutions Specialty Services Blue Solutions Specialty Services For small employers Offer your employees the most comprehensive benefits package Adult Dental Plans Accident & Critical Illness Insurance Global Travel Insurance ibx.com/bluesolutions

More information

Supplemental Insurance Plans

Supplemental Insurance Plans Supplemental Insurance Plans Honda offers a number of supplemental insurance programs to meet the varying needs of our associates. For More Information Administrative details and procedures for appealing

More information

How To Get Insurance For Free In Florida

How To Get Insurance For Free In Florida The Texas A&M University System FY 2012 Voluntary Benefits 53523 (5/11) Seabury & Smith, Inc. 2011 Offered through Marsh Voluntary Benefits, a service of Seabury & Smith, Inc. AR Ins. Lic. #245544 CA Ins.

More information

EMPLOYEE BENEFITS SUMMARY

EMPLOYEE BENEFITS SUMMARY NONAPPROPRIATED FUNDS EMPLOYEE BENEFITS SUMMARY Your Employer of Choice www.usmc-mccs.org MEDICAL & DENTAL BENEFITS Benefits are available to employees immediately upon hire in an eligible position, No

More information

8-MINUTE GUIDE TO THE RIGHT HEALTH INSURANCE

8-MINUTE GUIDE TO THE RIGHT HEALTH INSURANCE 8-MINUTE GUIDE TO THE RIGHT HEALTH INSURANCE EVERYONE NEEDS HEALTH INSURANCE Health insurance is important. The cost of medical care is growing every day, and getting sick or injured without insurance

More information

Flexible Benefits Guide A Guide to Your Benefits for Excluded Employees in the BC Public Service

Flexible Benefits Guide A Guide to Your Benefits for Excluded Employees in the BC Public Service Plan Year 2013 Flexible Benefits Guide A Guide to Your Benefits for Excluded Employees in the BC Public Service Table of contents Welcome 2 Program Overview 4 Eligibility 6 Co-ordination of Benefits 8

More information

Learn about long term care insurance

Learn about long term care insurance Princeton University GROUP LONG TERM CARE INSUANCE PROGRAM FREQUENTLY ASKED QUESTIONS Learn about long term care insurance 1. What is long term care insurance? Long term care insurance is designed to help

More information

Doctors of BC Critical Illness Insurance

Doctors of BC Critical Illness Insurance Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying

More information

HOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs

HOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs HOME PROTECTION PLAN MORTGAGE INSURANCE Mortgage Insurance that is Custom Built to Meet Your Needs Mortgage Insurance that is Custom Built to Meet Your Needs Your mortgage insurance should offer you sufficient

More information

ia Excellence Lifeline

ia Excellence Lifeline INSURANCE ia Excellence Lifeline A simpler way of getting life, cancer and disability insurance Everyone needs a lifeline. 2 Insurance access for all You already probably know the importance of life insurance

More information

Disability Income Protection. Business. Keeping income strong

Disability Income Protection. Business. Keeping income strong Disability Income Protection Business P r o d u c t s Keeping income strong Contents Your Most Valuable Asset 1 Disability Could it Happen to You? 2 The Leading Causes of Disability 3 ProVider Plus Disability

More information

QoL Performer Plus SM. Life Insurance + Optionality = Opportunities that Can Last a Lifetime!

QoL Performer Plus SM. Life Insurance + Optionality = Opportunities that Can Last a Lifetime! QoL Performer Plus SM Life Insurance + Optionality = Opportunities that Can Last a Lifetime! This is what happens when you think about life insurance differently. You create powerful, permanent life insurance

More information

Help Protect Your Most Valuable Asset Your Income

Help Protect Your Most Valuable Asset Your Income Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think

More information

insurance policy I m in the driver s seat!

insurance policy I m in the driver s seat! My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a

More information

LAFRA LONG TERM CARE FREQUENTLY ASKED QUESTIONS (FAQs)

LAFRA LONG TERM CARE FREQUENTLY ASKED QUESTIONS (FAQs) LAFRA LONG TERM CARE FREQUENTLY ASKED QUESTIONS (FAQs) WHO IS ELIGIBILE? Active Members participating in the PPO plan (Core plan is paid for by LAFRA) Retirees participating in the PPO plan (receive $9.15

More information

Buy The Complete Version of This Book at Booklocker.com:

Buy The Complete Version of This Book at Booklocker.com: Based on my experience as a veterinarian, I will show you what I consider to be the most important factors when you are choosing a company and plan for your pet. The Complete Guide To Understanding Pet

More information

Disability and Critical Illness Insurance

Disability and Critical Illness Insurance Disability and Critical Illness Insurance What Do You Really Need? By Margot Bai www.spendsmarter.ca margot@spendsmarter.ca March 3, 2007 Disability and Critical Illness Insurance by Margot Bai Page 1

More information

Small businesses and the Affordable Care Act

Small businesses and the Affordable Care Act Affordable Care Act Small Business Guide NATIONWIDE RETIREMENT INSTITUTE SM Small businesses and the Affordable Care Act Health insurance reform and insights into employer-sponsored benefits 84% of small

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

LONG-TERM CARE INSURANCE. You make the decisions

LONG-TERM CARE INSURANCE. You make the decisions LONG-TERM CARE INSURANCE You make the decisions EATING, BATHING, DRESSING, GETTING OUT OF BED... ROUTINE DAILY ACTIVITIES SOMEDAY WE MAY NOT BE ABLE TO DO ON OUR OWN Someday, because of your age or an

More information

Roadmap for Medicare Navigating Medicare Part D. A guide for seniors and caregivers

Roadmap for Medicare Navigating Medicare Part D. A guide for seniors and caregivers Roadmap for Medicare Navigating Medicare Part D A guide for seniors and caregivers Roadmap for Medicare: Getting Oriented This Guide offers information and advice for choosing a Medicare Part D prescription

More information

KEY GUIDE. Financial protection for you and your family

KEY GUIDE. Financial protection for you and your family KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that

More information

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits Benefits Highlights Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits GE Benefits: Adding value beyond your paycheck The Company offers a wide

More information

LIFE INSURANCE PREPARING FOR THE FUTURE

LIFE INSURANCE PREPARING FOR THE FUTURE LIFE INSURANCE PREPARING FOR THE FUTURE Bupa life insurance is issued by ClearView Life Assurance Limited (ABN 12 000 021 581) (AFS Licence No. 227682) ( ClearView ). Bupa Australia Pty Limited (ABN 81

More information

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits.

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits. Benefits Highlights Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits HC Option 5 GE Benefits: Adding value beyond your paycheck The Company

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority Protection for Platform Investors Product Disclosure Statement Version 12, Issued 8 June 2013 aia.com.au Life s better with the right partner Who issues Priority Protection for Platform Investors?

More information

Keep Your Future on Course Protect Your Most Valuable Asset

Keep Your Future on Course Protect Your Most Valuable Asset Keep Your Future on Course Protect Your Most Valuable Asset Disability Income PROTECTION Contents Your Most Valuable Asset 1 Disability Could it Happen to You? 2 The Leading Causes of Disability 3 ProVider

More information

Medical Insurance for Retirees: Basics You Need to Know Last update: June 3, 2014

Medical Insurance for Retirees: Basics You Need to Know Last update: June 3, 2014 Summary Medical Insurance for Retirees: Basics You Need to Know Last update: June 3, 2014 For most of us, medical insurance is important because it guards us against catastrophic financial losses if we

More information