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1 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 you? 9 10 A look at critical illness vs. long term care insurance. Get ready for the best chapter of your life! CARP chapter volunteers at work in the community. Published by The McLennan Group Insurance Inc. and CARP, a New Vision of Aging for Canada.

2 CARP s Trusted Insurance Provider: Back in 1993, CARP approached The McLennan Group Insurance Inc. to create innovative insurance solutions for CARP members, with the right combination of coverage, value, service and trusted advice. So to help build better insurance programs for CARP members, we partnered with leading providers; experts at the design of insurance products and services that meet the needs of Canadians 50-plus. Together, our 12 programs offer a complete insurance protection plan for CARP members. Protect your health, loved ones, life savings and belongings with better rates, coverage and value. Now that s insurance simplified! Insurance Programs for CARP Members. We invite you to compare and see why we re better! These pages outline the features and benefits of our programs. Still, we urge you to compare. Be sure the insurance coverage you select is right for your needs and budget. And always read the fine print! carpinsurance.ca To help you compare, everything is online; coverage details, policy wordings, rate cards, applications and quotes. If you prefer, call and have your questions answered by one of our licensed professionals. The McLennan Group Insurance Inc. works with retired Police Sergeant Bob Paterson to develop and share his practical safety tips, to help keep CARP members safe. Look for great advice & more: seniorsafetytips.ca Auto & Home Insurance The CARP program is so much more than lower rates for good drivers and homeowners 50-plus. For starters, CARP members can enjoy extra savings on both their auto and home insurance with 17 available discounts, including multi-vehicle, claims-free, and monitored home alarm. Complete details online. For added protection, coverage is available for home businesses, motorhomes and more. You can even cover a family member s contents in a health care facility. A full list of available coverages is online. Even more for CARP members: Accident forgiveness means after enrollment, rates won t rise with your first accident. Identity theft protection will reimburse up to $25,000 for eligible expenses incurred during identity recovery. Coverage is available for touring-style motorcycles. Combine policies for added savings and convenience. Emergency claims service available 24/7. Emergency roadside assistance will reimburse up to $100 per occurrence for towing or other emergency road services, max. $200 per policy year. See for yourself: we built a better insurance program, exclusively for CARP members. 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 First North American Insurance Company, a wholly owned subsidiary of Manulife Financial. 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. Refer to policy wordings for complete details. Toll-Free: Click: carpinsurance.ca 2 INSURANCE PROGRAMS FOR CARP MEMBERS Volume 6, Issue 2 3 Volume 6, Issue 2 INSURANCE PROGRAMS FOR CARP MEMBERS

3 TL Term Life Insurance For CARP members to age 70 who want more insurance for the money, get term coverage from $50,000 to $150,000, with rates based on your gender, smoking status and age at application. When approved, premiums are set and are guaranteed not to change for 10 years. Renewable coverage 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 additional medical information required. Call toll-free: Guaranteed Issue Life For CARP members between 50 and 80, your acceptance is guaranteed* with no medical questionnaire required for coverage of up to $25,000. Accidental death will pay benef iciaries f ive times the policy amount. A Living Benef it cash advance helps you cope with a terminal illness. CARP members are protected with a 30-day free look guarantee. Call toll-free for a no-obligation quote: Complete details online: carpinsurance.ca If Health & Dental Insurance you want to protect yourself from the high cost of health care, the CARP plans offer coverage for dental and vision care, prescription drugs and more. CARP members, you have the flexibility to select the benefits, coverage levels and co-pay amounts that will meet your individual needs. Five cost-effective CARP plans: Three guaranteed acceptance* plans require no medical questionnaire: - Extended Health Care; greater homecare and nursing coverage. - Dental Enhanced; comprehensive coverage for dental care needs. - Three Star; great value with basic coverage for almost all benef its. Four Star Plan; comprehensive coverage offered on all available benef its and services. Five Star Plan; highest coverage levels, attractive co-pay amounts. There s no age limit and the five plans feature exclusive members-only rates. Are you about to lose your group benef its? Call or visit online for details and your quote: carpinsurance.ca With FollowMe Life, get coverage to the amount you had with your group plan: $200,000 maximum. Apply within 60 days for acceptance guaranteed* with no waiting period! *Subject to receipt of initial premium payment. Look online for details or call toll-free: FollowMe Life Plan FollowMe Health Plan FollowMe Health protects you with benefits similar to what you had with your employer-sponsored plan. 4 INSURANCE PROGRAMS FOR CARP MEMBERS Volume 6, Issue 2 5 Volume 6, Issue 2 INSURANCE PROGRAMS FOR CARP MEMBERS

4 v W hy Pet Insurance pet insurance? It guards against unexpected costs from accident or illness and helps manage expenses for tests, medications, etc. So why Pet Insurance for CARP Members? Premiums begin at only $20.55 monthly for cats, $30.85 for dogs and will not increase as your pet ages. Coverage is available for your mature pets. Coverage may be available for your pet s pre-existing conditions if they ve been symptom-free for at least one year. Look online for complete plan details, quotes, claim forms, plus terms and conditions. Manage the financial risk & protect their health: carpinsurance.ca Accident Insurance Because accidents do happen, CARP members can be protected with AD&D coverage up to $300,000, an in-hospital indemnity benefit for extended hospital stays, plus a fractured or broken bones benefits up to $5,000 for their injuries resulting from a single accident. Bonus: Accidental death & dismemberment coverage available. Upon request, CARP members age 70 or under will receive $2,000 of AD&D coverage, while those over age 70 will receive $1,000 of coverage. For more details and your complimentary AD&D coverage: Call: carpinsurance.ca CARP Member BONUS! Travel Insurance When CARP members travel, your protection is our priority. We do what it takes to make certain that you are properly insured. We offer easy qualification with no medical exam upon application. And you will pay the proper rate for your health in one of six categories. With an underwritten plan, we can even offer coverage for unstable pre-existing conditions. If there s an emergency, worldwide assistance is available 24 hours a day, seven days a week. You are protected with a $5 million policy maximum. Plus, read online about our no-charge medical concierge services. We ve got you covered! Have questions? Just give us a call! Licensed brokers who are qualified to help with medical questions & offer advice on the coverage that is right for you... that s the true CARP advantage! Added CARP member benef its: A 5% discount, exclusively for CARP members! Coverage offered at no cost for two children age 15 or younger, travelling with parents/grandparents who are 55 or older and insured with an annual plan. Trip cancellation coverage up to $1,000 included at no extra cost with multi-trip annual plans. You can obtain your quote by phone or online: Toll-Free: carpinsurance.ca 6 INSURANCE PROGRAMS FOR CARP MEMBERS Volume 6, Issue 2 7 Volume 6, Issue 2 INSURANCE PROGRAMS FOR CARP MEMBERS

5 D uring treatment for, or recovery from a serious illness, the expenses not covered by provincial health plans or other insurance could be tens of thousands of dollars. You may be unable to function in your current home or even return to work. The financial implications could be devastating. Critical illness insurance helps you survive financially. The benefits can be used for income replacement, home renovations, etc. The choice is yours. D ue to limited government funding for long term care programs, your monthly expenses can reach into the thousands of dollars. Long term care insurance helps protect your savings and independence, and allows you to choose to receive care in a long term care facility or your own home. Simplified Issue Long Term Care Insurance If Critical Illness Insurance Long Term Care Insurance you try to obtain coverage later in life when it s difficult to acquire, or don t know where to begin, we offer a solution. CARP members enjoy simplified acceptance with limited health questions, less underwriting, and no medical exam required. You can purchase coverage with lifetime benefits of $50,000 or more to age 80. Value-added assistance services are no extra cost. Unmatched experience is the CARP advantage Program partners, MyDignity have offered long term care insurance for 30 years, and their founder sold the first critical illness policy in Canada. With this experience, they assess your coverage needs, then shop the market for the best solution and best value for you. Protect your independence, dignity and life savings: carpinsurance.ca So how can I know which plan is right for me? Critical Illness Critical illness insurance is designed to cover the costs during treatment for, and recovery from a serious illness / condition. Tax-free cash payments are paid upon diagnosis of a covered illness. Coverage is available to age 65, though premiums can be costly past age 55. Underwriting guidelines examine the applicant s health, lifestyle, and family s medical history. Knowing that over half of women and one third of men age 65 and over will ultimately reside in a nursing home, should you protect yourself with long term care insurance? Given the odds that you or someone you love will be affected by a serious illness such as heart attack, stroke or cancer are over 1 in 3, is critical illness insurance best for you? While both plans offer invaluable benefits, critical illness and long term care insurance are designed for different protection needs. Regardless, the key is knowing that with proper coverage, your financial concerns can be taken care of. Long Term Care Long term care insurance provides tax-free monthly income benef its if you are physically dependent, or are cognitively impaired, or unable to perform the activities of daily living. Benef its allow the insured to receive care in a facility or their own home. Coverage is available up to age 80; lower rates are available to age 65. Premiums are based on age at time of application. 8 INSURANCE PROGRAMS FOR CARP MEMBERS Volume 6, Issue 2 9 Volume 6, Issue 2 INSURANCE PROGRAMS FOR CARP MEMBERS

6 Newfoundland & Labrador St. John s: CARP s first Chapter was founded on the Avalon Peninsula in Newfoundland & Labrador over 20 years ago. Indicative of the commitment of its members, Mr. Roy Church has just retired from the local Board of Directors of the Chapter after a full 20 years of excellent service. Similarly, Chair, Ed Williams has provided leadership in the Newfoundland & Labrador Chapter for over a decade. Nova Scotia Checking In With Our Cross-Canada Network Of Volunteer CARP Chapters Y ou already know that CARP s mission is to improve the lives of all Canadians as we age. This would not be possible without the commitment of thousands of active and engaged volunteer CARP members who take a personal role in the mission and values of CARP. They put a lifetime of experience and talents into action throughout their communities by taking on leadership roles in our Chapters. In cities coast-to-coast, a network of 60 Chapters are managed by local volunteer Boards of Directors who act as the eyes, ears and voices of the National Office, and keep the staff up-to-date on issues of importance to CARP members. 10 CARP REPORT It s the best chapter of your life! CARP Chapters are a strong, local advocacy voice, working the front lines of important issues including health and home care, elder abuse prevention, pension and income security, age-friendly communities and the politicians are listening! But it s not all work! Our Chapters organize social and educational events to keep members engaged and informed, and help to build a strong spirit of community and fellowship within our membership all of which makes communities with CARP Chapters better places to live. Contributing to a proud and active membership offers endless opportunities for members to have fun and meet new friends. To Find Out More Visit carp.ca Halifax: Bill VanGorder is Chair of the Nova Scotia Chapter and has become the public face of CARP in the Maritimes. Bill is quite often the first person the local media will reach out to concerning issues such as affordable housing, older drivers, cuts in postal service, safety in retirement homes, fraud and financial abuse. Bill was also recently named a Director of CARP s National Board. New Brunswick Fredericton: Suzanne Maltais, Chair of the Fredericton Chapter has made excellent use of her professional expertise gained as a nurse and her interest in community development to take on a leadership role in CARP in New Brunswick s capital city. The Chapter has taken CARP s call for a Universal Pharmacare program to the attention of the provincial legislature, and through editorials in the local media. Quebec Montreal: Our Montreal Chapter has been pursuing educational events for members in the West Island region, and recently worked with the Lester B. Pearson School Board to host a computer technology and social media workshop for CARP members. To Find Out More Visit carp.ca Did you know?? CARP membership is intergenerational our oldest member is 99, and our youngest is 24! CARP REPORT 11

7 A Cross-Canada Check Of CARP s Volunteer Chapters Ontario Toronto: Four active Chapters operate within the city limits Downtown, Scarborough, Etobicoke and North York each boast their own CARP Chapter. In addition to working in their own communities, the four Toronto Chapters often combine to create a powerful force for change in Ontario s capital city. Representing over 45,000 CARP members combined, local MPPs, MPs and municipal politicians are regular attendees at their meetings and events. Mississauga: Chapter Chair, Murray Etherington is the active leader for the thousands of Chapter members in the area, where legendary 93-year-old Mayor (and CARP member) Hazel McCallion is a regular guest at their events. Murray also represents the Chapter in the local Elder Abuse Prevention Network, and along with Toronto Downtown s Chair, Adina Lebo, organized Work Re-imagined., Canada s first older workers job fair in Ajax-Pickering and Halton Region: CARP Chapters in Ajax-Pickering and Halton Region have shown outstanding leadership through community animation, holding regular social and educational events as well as being champions on important social issues. Sudbury: Long-serving Chapter Chair, Ms. Pat Douglas stepped down from her leadership position on the board in early summer, but not before leaving an indelible mark on the Greater Sudbury Area after nearly a decade of service. Along with fundraising to bring PET scan technology to the northern community, the Chapter lobbied for better service for seniors stuck between hospital care, home care and long term care, which resulted in the opening of the STAT (Short Term Assessment and Treatment) Clinic in conjunction with Health Sciences North. 12 CARP REPORT To Find Out More Visit carp.ca Manitoba Winnipeg: National Seniors Day (October 1) was celebrated in Winnipeg with the raising of the Winnipeg (East and West) Chapters Flag at City Hall, with local politicians and dignitaries on hand. There was a large turnout, and members of both Chapters were in attendance, including one member who donned a CARP fish mascot costume and made the cover of the local newspaper. Alberta Chapters Edmonton: Bernice Rempel and the board of the Edmonton CARP Chapter have been working together with the provincial Ministers of Health and Finance on behalf of all CARP members to improve pharmacare and pension security for all Albertans. British Columbia Chapters North Surrey: As Chair of one of our newest Chapters, Mr. Harpreet Singh, is helping bring CARP s message to a diverse cultural group including members of the Sikh, Muslim, Hindu and Buddhist communities in the region. Mr. Singh is helping CARP to achieve our goal of being inclusive and a representative for all Canadians. Richmond-Delta: Seeking an outlet for his skills and energy, retired dentist Dr. Victor Pauls volunteered to help lead a new CARP Chapter in his hometown, back in Recently, the Chapter was host to the Vancouver Symphony Orchestra s conductor and musical director, Maestro Bramwell Tovy, at a classical music event to help bridge the language divide between the English and Chinese members of the community. The event s fitting theme was Music: the language of all cultures. White Rock: Proving once again that indeed, it s not all serious, the powerhouses behind the White Rock Chapter Chair, Ramona Kaptyn and BC Rep, April Lewis invited 80-year-old Graham Kerr, the Galloping Gourmet himself, to a recent Chapter event. Kerr s engaging manner had everyone in stitches. To Find Out More Visit carp.ca CARP REPORT 13

8 That completes a short tour of just some of the many great contributions CARP Chapters and CARP volunteers are making every day in their cities and towns across Canada. While we don t have room to recognize everyone, it s important to show how CARP Chapters advance our mission and help their communities. CARP s Community Strategy provides opportunity for all members to be Involved we want you to bring your ideas, to use your experience and talents to take action, and make a difference right where you live. If you are not already involved in a CARP Chapter, we encourage you to do so. You can find out more about your local Chapter, or information on starting a new Chapter in your community, online at: We thank you for your membership in CARP. Your support means a great deal to us. Without loyal members like you, CARP would not have as much political clout, and our mission to advance the interests of Canadians as we age would not be as influential or successful. You can help even more by encouraging others; your friends, relatives and friends, to become members. There s never been a more important time to get involved. Anthony Quinn Director, Community Development 14 CARP REPORT To Find Out More Visit carp.ca

9 Insurance Programs for CARP Members When it s easy to protect yourself from whatever life brings your way, you can deal with CARP s trusted provider for all of your insurance needs, and their program partners are experts in the design of innovative coverage solutions for Canadians 50-plus... It s insurance simplified Auto & Home Pet Health & Dental and FollowMe Health Critical Illness Accident (AD&D) Guaranteed Issue Life and FollowMe Life Travel Term Life Long Term Care and Simplified Issue LTC carpinsurance.ca Visit us online for complete plan details. Our free, easy-to-use app makes insurance simple to understand. Check the features and download for free at: carpinsurance.ca. Proud to Be CARP s Trusted Insurance Provider Since 1993 FREE MOBILE APP! 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.

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