The FSNA Long-term Care Insurance Program

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1 Federal Superannuates National Association The FSNA Long-term Care Insurance Program You ve worked hard for a comfortable retirement. Don t risk it on the need for long-term care. L O N G - T E R M C A R E I N S U R A N C E

2 EXCLUSIVE TO FSNA MEMBERS AND THEIR FAMILY Dear FSNA member, You ve worked hard to save for retirement. Thank you for your interest in the FSNA Long-term Care Insurance Program. You ve worked hard to save for retirement. However, while planning for your future you may not have considered the possibility that at some point you may require long-term care. You may also not realize that it can cost much more than you might think. If long-term care is needed, you ll want to have some control over the quality of care and the amount of care needed, beyond what may be covered by your provincial health insurance plan. FSNA developed the Long-term Care Insurance Program (LTCI) in co-operation with Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, to assist you when planning for these challenges. FSNA LTCI can help ensure that you or your loved ones are not burdened with the potentially devastating costs of prolonged home care or facility care. TAKE ACTION TODAY Apply for this exclusive program available to you and your eligible family members. Don t wait as age-related health changes can make it harder to qualify. If you have any questions, please call Johnson Inc. at LTC-PLAN ( ). Take the next important step by completing the enclosed application. Keep in mind that the younger you are when you enrol in the program, the lower the premiums. Once your application is approved, your premium will not change due to changes in your age and health status. Two applications are enclosed one for you and one for your spouse or family member. A lower premium rate (by 10%) is available if you and your spouse apply for coverage and are both approved. While you have no obligation to apply, this opportunity can help give you and your family much needed protection for your future. Yours truly, Dennis Jackson National President

3 PRELIMINARY ASSESSMENT CHECKLIST For a preliminary assessment of your eligibility for coverage, please check any boxes that apply to you. If you check any one of these conditions or required services, you will not be eligible to apply for coverage at this time. 1. You currently require the hands-on assistance of, or supervision by, another person in performing the following activities: Eating Bathing Dressing Using the toilet Getting in/out of the bed or chair Maintaining a reasonable level of personal care when you re not able to control bowel/bladder 2. You are currently receiving, or have received in the past three years: Nursing home care (in a nursing home or extended care unit of a hospital) Home health care (visiting nurse, therapist or health aide visits) Adult day care services 3. You have had, or been medically diagnosed, advised or investigated for symptom(s) for the following conditions: Senility Ataxia Dementia Memory loss Hydrocephalus Multiple strokes Alzheimer s disease Parkinson s disease Muscular dystrophy Myasthenia gravis Multiple sclerosis Huntington s chorea Mental retardation Organic brain syndrome Mild cognitive impairment Tested positive for the HIV virus AIDS or AIDS related complex (ARC) Amyotrophic lateral sclerosis (ALS) Multiple transient ischemic attacks (TIAs) Metastatic cancer (cancer has spread from original site) Preliminary assessment of your eligibility for coverage, please check any boxes that apply to you. 1

4 WHAT IS LONG-TERM CARE? Long-term care is the personal care and assistance needed if you suffer a prolonged physical or chronic illness, an accident, or a cognitive impairment. It focuses on caring rather than curing. WHEN DO YOU NEED LONG-TERM CARE? There are many everyday functions and activities that we take for granted. There are many everyday functions and activities that we take for granted. As we age, become ill or disabled, our ability to perform routine activities can become limited. If that occurs, long-term care is often required to help perform these Activities of Daily Living (ADLs): Bathing Dressing Toileting Eating Transferring in and out of the bed, chair or wheelchair Continence Supervisory care is also often required if you have arthritis, a hip fracture, or Alzheimer s disease even if you can perform everyday activities. TYPES OF CARE AND WHERE IT IS DELIVERED The type of care can range from: Supervisory care caregivers with a certain level of training, to monitor a person with cognitive impairment. Personal care caregivers with a certain level of training, to help a person perform one or more of the ADLs. Skilled care trained medical professionals, to provide medical care or therapies required for medical conditions. The care or assistance can be provided to you as: Home care in the comfort of your own home. Facility care in a facility setting, such as a nursing home. 2

5 WHAT IS THE FSNA LONG-TERM CARE INSURANCE PROGRAM? The FSNA Long-term Care Insurance Program: Provides comprehensive and affordable coverage that can help reduce the financial burden should you need long-term care. Helps avoid jeopardizing your and your family s financial security. Helps preserve your quality of life and independence should the unexpected happen. Lets you look into the future with confidence, knowing your long-term care costs are covered. Provides expert assistance to help you weigh your options and arrange for the required services and/or accommodation during the most stressful time. Is underwritten by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, and a dominant leader in the long-term care insurance market. The program is available exclusively for you and your eligible family members. It allows you the freedom to choose the setting where you receive care, and may also enable you to upgrade from a standard room to private room in a facility. You choose the level of insurance coverage required to have such control over your care. PROTECTION YOU CAN COUNT ON Provides options on the type and amount of coverage that is right for you. Allows you the freedom to direct the use of your benefit dollars how and where you will receive care. Helps protect the assets you ve worked a lifetime to accumulate. Helps preserve your estate for your family. Helps allow you to remain independent, without being a financial burden to your loved ones. Includes the personalized and professional services of a care advisor who will work with you to find high quality care in your area. Includes flexibility to add an Inflation Protection option. Comprehensive and affordable coverage that can help reduce the financial burden should you need long-term care. 3

6 WHO CAN APPLY FOR COVERAGE FSNA members and their spouse, aged years. Family of FSNA members and their spouse, aged years, including children, siblings, parents, and parents-in-law. WHY YOU SHOULD APPLY FOR COVERAGE NOW Premiums are based on your age and health at the time of your application. Premiums are based on your age and health at the time of your application. The younger you are when you apply, the lower your premium. Once enrolled, any changes in your health will not increase your future premiums, however changes in health may prevent you from enrolling for coverage in the future. And, remember the need for long-term care can occur at any age due to an illness or injury. So don t wait until it s too late apply for coverage now. PROGRAM DETAILS The FSNA Long-term Care Insurance Program offers a range of plan types, benefit periods and coverage amounts. This gives you the flexibility to design the right plan tailored to your needs and budget. Two Types of Plans 1 Home Care Only plan, which covers home care services. 2 Comprehensive Care plan, which covers both home care and facility care services. Two Benefit Periods 1 Lifetime Benefit Period, which provides monthly benefits for as long as you need care. 2 5-year Benefit Period, which provides monthly benefits to a maximum of 60 months (which do not have to be consecutive if you make a claim for benefits more than once). 4

7 COVERAGE AMOUNTS Coverage amounts for both plan types are available in units:, You can purchase from a minimum of two units to a maximum of eight units. The overall maximum monthly benefit is $4,800 for home care and $4,800 for facility care. The coverage purchased can be for one plan, or a combination of the two plans and benefit periods. For example, you can select one unit of the Home Care Only plan with a Lifetime Benefit, and one unit of the Comprehensive Care plan with a 5-year Benefit, providing you with total coverage for monthly benefits of $600 for facility care and $900 for home care services. HOME CARE ONLY Each unit provides a monthly maximum benefit of $600 for home care services and adult day care. COMPREHENSIVE CARE Each unit provides a monthly maximum benefit of $600 facility care plus $300 for home care services and adult day care. 1 unit $600 home care services 1 unit $600 facility care + $300 home care 2 units $1,200 home care services 2 units $1,200 facility care + $600 home care You can purchase from a minimum of two units to a maximum of eight units. 3 units $1,800 home care services 3 units $1,800 facility care + $900 home care 4 units $2,400 home care services 4 units $2,400 facility care + $1,200 home care 5 units $3,000 home care services 5 units $3,000 facility care + $1,500 home care 6 units $3,600 home care services 6 units $3,600 facility care + $1,800 home care 7 units $4,200 home care services 7 units $4,200 facility care + $2,100 home care 8 units $4,800 home care services 8 units $4,800 facility care + $2,400 home care 5

8 ADDITIONAL PROGRAM FEATURES Guaranteed Renewable your coverage is guaranteed renewable (as long as you pay your premium when it is due), and cannot be cancelled because of your age or changes in your health. Premium your premium is based on your age when you apply for coverage, and will not change due to changes in your age and health status. You can never be singled out for a rate increase. Any change in premium will be made for everyone with similar coverage. And, a lower premium rate (by 10%) is available if you and your spouse apply for coverage and are both approved. Portable Coverage your coverage moves with you and can be used anywhere in Canada, the United States and its territories. Other covered family members can keep their coverage even if you decide not to continue with yours. Tax Advantages based on current Canada Revenue Agency s practice,* any benefits received under this program are considered non-taxable. There is no PST or GST payable on the long-term care insurance premium. *It may be subject to change. Inflation Protection if elected, this option keeps your benefit amount in-line with inflation, and automatically increases your monthly maximum benefit by 2 percent, compounded annually, for as long as you have your coverage even while receiving benefits. Deductible there is a one-time waiting period of 90 service days that can be accumulated over any two-year period. This means that you, or your provincial or a private group health care plan, is responsible for the first 90 days of covered services. Once you have satisfied this waiting period, your benefit payments will begin. The waiting period makes premiums more affordable. No Pre-existing Conditions or Exclusions once you are accepted for coverage on the basis of the answers provided in your application, there are no limits or exclusions based on your health. Rescission Period take 10 days to review your policy when you receive it and if you re not satisfied, you can cancel it for a full refund. Waiver of Premium you do not have to pay premiums while you are receiving a monthly benefit under this program. 6

9 EXCLUSIVE TO FSNA MEMBERS AND THEIR FAMILY Most people are not prepared for the day when they will need long-term care. When that time comes, you may not know what to do, what your options are and who to call. Finding the best options for care can be emotionally and logistically overwhelming. That s why an experienced care advisor can make such a difference. He or she works as your advocate, helping you navigate through the process. Under the FSNA Long-term Care Insurance Program, you will be assigned a care advisor when you make a claim for benefits. The care advisor is a nurse or social worker trained in long-term care and acts on your behalf to: Assess your medical condition and complete the forms necessary for filing, including the Plan of Care assessment, with the insurance provider and local provincial health care agency. Develop a Plan of Care for you in consultation with your family, friends and the insurance provider. Help coordinate your FSNA Long-term Care Insurance Program coverage with any long-term care financial assistance provided by provincial government health agencies. Help identify providers and services if you want to receive the care in your home. Make valuable recommendations and help you decide where you want to get the appropriate care for your specific needs. Ensure you receive quality care and have the flexibility to change caregivers/facilities as your circumstances change. An experienced care advisor can make such a difference. Since the care advisor is based in your area, he or she knows the local services and resources, and can help you find the type of care and providers you prefer, so you can get the most out of your coverage. 7

10 HOW TO CHOOSE A PLAN THAT S RIGHT FOR YOU The choice is yours. You can select the plan, benefit period and coverage amount that s just right for you. The following tips may help you design a plan tailored to your specific needs: 1. Choose a plan type that meets your needs and preference. Home Care plan benefits help pay for services that enable you to stay at home while receiving the needed care, such as home management services (laundry, cleaning), home-based hospices, palliative care, or medical care from a registered nurse. Comprehensive Care plan helps cover home care services and facility care expenses, such as a nursing home, chronic care facility or assisted living facility. 2. Decide which benefit period offers the right protection for you. Lifetime Benefit provides monthly benefits for as long as you need care. 5-year Benefit provides monthly benefits for up to 60 months. 3. Select a coverage amount to meet your needs and budget, considering the following factors: Provincial coverage Financial resources Other resources for care, such as family members and friends 4. Consider if you need the Inflation Protection option for additional protection to ensure your benefit is not eroded by cost of living increases. 8

11 EXAMPLE Mary is 52 years old. She lives in a small town and most of her family lives nearby. As no long-term care facility exists in the town, Mary is determined to stay in her house as long as possible, to be close to her children and grandchildren. She is on a fixed income and wants a plan that is affordable. Mary follows the How to choose a plan that s right for you tips and determines a plan that is right for her. 1 With her desire to receive the needed care in the comfort of her own home, the Home Care Only plan is her choice. 2 Citing the potential need from a prolonged illness, she prefers the complete protection of lifetime benefits. 3 Considering the average need for home care and the government coverage, and the fact that she has family members near by to help if required, she wants coverage that will provide $1,200 per month of home care benefit. 4 To help reduce the impact of inflation and cover the increasing longterm care costs, she chooses to include the Inflation Protection option. Her decision: To meet her coverage needs and budget, Mary applies for two units of the Home Care Only plan with the Lifetime Benefit, plus Inflation Protection. Her premium: From the rate table (refer to pages 14 and 15), Mary obtains the monthly premium rate that corresponds with her age and plan she is applying for, i.e. $18.04 per unit. Mary calculates the monthly premium as follows: Mary is determined to stay in her house as long as possible. $18.04 x 2 units = $

12 EXAMPLE The last thing Tony wants is to be a financial burden on his children. Tony is 65 years old. His mother is currently in a long-term care institution so Tony has seen first hand the added costs required to cover facility care. Tony has enough saved for his retirement, but would quickly deplete his savings if he were to require an extended period of long-term care. The last thing Tony wants is to be a financial burden on his children. So Tony chooses coverage for a monthly benefit of $1,800 for home care and $2,400 for facility care. 1 To avoid being financially dependent on his children, and to have a safety net from both facility and home care coverage, Tony thinks that a combination of Home Care Only and Comprehensive Care plans would be the right choice for him. 2 Because of his comfortable retirement income, Tony can afford the comprehensive protection from lifetime benefits for facility care, complemented by a 5-year home care benefit. 3 Considering the average cost of home care and facility care, and the government coverage, Tony chooses coverage that will provide monthly benefits of $1,800 of home care and $2,400 for facility care. 4 Tony believes that the investment returns of his savings can help reduce the impact of inflation, as such, he chooses not to include the Inflation Protection option. His decision: To meet his needs, Tony applies for one unit of the Home Care Only plan with the 5-year Benefit, and four units of the Comprehensive Care plan with Lifetime Benefit, with no Inflation Protection on both plans. His premium: From the rate table (refer to pages 14 and 15), Tony obtains the monthly premium rate that corresponds with his age and plan he is applying for, i.e. $20.14 per unit for Home Care Only plan and $44.02 for Comprehensive Care plan. Tony calculates the monthly premium as follows: ($20.14 x 1 unit) + ($44.02 x 4 units) = $ Please note: These examples are for illustration purposes only. Individual situations may vary. Premium rates included in this brochure may change without notice. 10

13 ELIGIBILITY FOR BENEFITS To qualify for benefits, you must satisfy the 90-day waiting period, submit your receipts for formal care provided and receive a Plan of Care assessment that indicates you: Need help with at least two of the six Activities of Daily Living, or Have a cognitive impairment, such as Alzheimer s disease, that requires supervision to maintain your health and safety. Once your claim is approved, you will be reimbursed for your home care/ facility care related expenses, up to the maximum monthly benefit amount you have chosen. EXCLUSIONS AND LIMITATIONS Benefits are not payable for care, treatment or services: Certified by you or a family member. Provided by a family member. Not provided by a home health agency, long-term care facility or adult day care centre. For which no charge is normally made in the absence of insurance. Provided outside Canada, the United States or its territories. Provided by or in a Veterans Administration, provincial or federal government facility, unless a valid charge is made to you or your estate. Due to an illness, treatment or medical condition arising out of attempted suicide or intentionally self-inflicted injury, while sane or insane. Due to an illness, treatment or medical condition arising out of participation in a felony, riot, insurrection, war and act of war (whether declared or undeclared). Due to alcoholism, drug addiction or other chemical dependence; however, this exclusion does not apply to a drug dependency sustained or acquired at the hands of or while under treatment by a physician in the course of treatment for an injury or sickness. For which benefits are available under governmental programs. For which you receive or are eligible to receive workers compensation or similar benefits. For which you receive or are eligible to receive workers compensation or similar benefits. Due to mental or nervous disorders without demonstrable organic cause. Brain disorders with demonstrable organic cause (such as Alzheimer s disease and related dementia) are covered if symptoms are exhibited or a diagnosis is made. 11

14 HOW TO APPLY FOR FSNA LTCI COVERAGE Complete the application by following the instructions, and send it to Johnson Inc. Plan Benefits Service th Avenue, Suite 700 Richmond Hill, ON L4B 3S5 If your spouse or other eligible family member is also applying for coverage: He or she must complete a separate application and medical questionnaire. You must fill out and sign the FSNA Member Information and Verification of Eligibility section in his or her application. FOR MORE INFORMATION If you have any questions regarding the program or require assistance with the application, please call Johnson Inc. toll-free, at , Monday to Friday between 8:30 a.m. 4:30 p.m. EST, or fsnaltc@johnson.ca This brochure provides the highlights, but not all the details of the FSNA Long-term Care Insurance Program. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the insurance policy. 12

15 PROVINCIAL AND TERRITORIAL HOME CARE/LONG-TERM CARE PROGRAM SUMMARY ALBERTA BRITISH COLUMBIA MANITOBA Programs Home care Continuing/Long-term care Home support services Long-term facility care Home care Long-term facility care Eligibility 1 Basic home care requirements common to all provinces: Proof of residency A valid health insurance card for the province/ territory where the service is delivered A suitable home care environment An assessment as needing care Home care: Client does not require 24-hour services provision 1 If client requires services of a health care professional 24 hours a day on a continuing basis or support beyond the $3,000 limit, client is encouraged to consider entering a long-term care facility 3 Client must 1 : be a Canadian citizen and reside in B.C. for one year or longer for personal care and intermediate levels of care be 19 years of age or older have had a chronic illness for a minimum of three months Home care 1 : Any Manitoba resident can be referred to the Manitoba home care program for assessment for eligibility Limits/Guidelines to Services Services up to $3,000 per month 1 Acute home care 1 : Two weeks in general Home support 1 : Ranges from 40 to 120 hours/month depending on the type and level of care required Home care 1 : Upper limit based on a formula for equivalent level of institutional care Service limits based on client risk and safe-care Your Costs Notes: Home care costs indicated are hourly rates for services in excess of government coverage. Long-term care facility costs are estimated monthly costs to user. Home care rates (difference between interregional and interagency) range from $25 to $52/hour 2 A fee of $5/hour up to a maximum of $300/ month is charged for homemaking services Long-term care facility 3 : Rates range from $1,205 to $1,469/month Home care rates range from $25 to $52/hour 2 Long-term care facility: Rates range from $876 to $2,105/month, depending on income 4 support services 2 : Home care rates range from $25 to $52/hour Long-term care facility: Rates range from $836 to $1,965/month 5 Sources: 1 Provincial and Territorial Home Care Programs: A Synthesis for Canada, Health Canada, June Bayshore Home Health Preferred Provider Pricing Information, Bayshore Health Group, January Roni DeBock from Government of Alberta, Long Term Care insurance. of March 20, BC Health home page Fee for Services. Accessed on March 30, 2006, 5 Manitoba Health home page InfoHealth Guide. Accessed on March 30, 2006, 13

16 PROVINCIAL AND TERRITORIAL HOME CARE/LONG-TERM CARE PROGRAM SUMMARY NEW BRUNSWICK NEWFOUNDLAND & LABRADOR NORTHWEST TERRITORY Programs Extra-mural program (EMP) 3 3 Home support services Home support services program Facility care Home care Long-term facility care 3 Residential care Eligibility 1 Basic home care requirements common to all provinces: Proof of residency A valid health insurance card for the province/ territory where the service is delivered A suitable home care environment An assessment as needing care Extra-mural program: Specific criteria established for some services may apply Client will usually require physician referral except for rehabilitationn Services are needed from health professional employed by EMP Home A comprehensive assessment is used to determine eligibility Home support services 1 : Program has three components serving clients with specialized needs: children under age 18 clients aged 18 to 64 with disabilities clients over age 64 Home care 1 : Client must meet the basic requirements Limits/Guidelines to Services Home $2,150/month Residential care: $68.59/day for residential services in a special care home Home care 1 : Maximum range of $2,268 to $3,240/month for home support services Your Costs Notes: Home care costs indicated are hourly rates for services in excess of government coverage. Long-term care facility costs are estimated monthly costs to user. Extra-mural program: No cost to client Home The hourly rate paid to home support agencies for personal care services is $12.64 Long-term care facility (nursing home): The average per diem is approximately $142 ($4,319/month) Home care rates range from $22 to $47/hour 2 Long-term care facility (nursing home): Flat rate of $3,020/month (approx.) 4 Home care rates range from $22 to $47/hour 2 Long-term care facility: 4 Flat rate of $712/month Sources: 1 Provincial and Territorial Home Care Programs: A Synthesis for Canada, Health Canada, June Bayshore Home Health Preferred Provider Pricing Information, Bayshore Health Group, January Andre Lepine from Government of New Brunswick, Long Term Care insurance. of March 7, 2006 and Government of New Brunswick home page. Accessed on April 6, 2006, 4 The Facts About Residential Care, BC Health Care, October

17 PROVINCIAL AND TERRITORIAL HOME CARE/LONG-TERM CARE PROGRAM SUMMARY NOVA SCOTIA NUNAVUT TERRITORY ONTARIO Programs Home care Long-term facility care 5 Home care 5 Long-term facility care Home care Long-term facility care Eligibility 1 Basic home care requirements common to all provinces: Proof of residency A valid health insurance card for the province/ territory where the service is delivered A suitable home care environment An assessment as needing care Home care 3 : Specific criteria will apply for each level of service Home care 1 : Client must meet the basic requirements for home care Home care: Client will be: eligible for professional services if his/her needs are not met by hospital outpatient services eligible for homemaking care if there is a need for assistance with personal care and/ or there is a risk that he/she will require institutional care without the service Limits/Guidelines to Services Home care services 3 : Up to $4,000 per month for acute home care services Up to the equivalent to facility placement cost or $2,200/month for chronic home care services Home Maximum of 35 hours/week Home care services: Maximum of 80 hours for the first month and 60 hours per month thereafter for home care services Maximum of 4 visits/ day or equivalent up to 28 hours/week for nursing care Your Costs Notes: Home care costs indicated are hourly rates for services in excess of government coverage. Long-term care facility costs are estimated monthly costs to user. Home care rates range from $22 to $47/hour 2 Long-term care facility: Rates range from $1,353 to $2,266/month No fee for home care in Nunavut Long-term care facility: $720/month if under age 60 No fee at 60 years old or over Home care rates range from $22 to $49.50/hour 2 Long-term care facility: Rates range from $1,480 to 2,028/month 6 Sources: 1 Provincial and Territorial Home Care Programs: A Synthesis for Canada, Health Canada, June Bayshore Home Health Preferred Provider Pricing Information, Bayshore Health Group, January Nova Scotia Department of Health Continuing Care Services home page. Accessed on April 4, 2006, 4 David Macdonald from Government of Nova Scotia, Long Term Care information. of March 7, Norm Murray from Government of Nunavut, Long Term Care insurance. to March 7, Ministry of Health and Long Term Care home page. Accessed on March 30, 2006, 15

18 PROVINCIAL AND TERRITORIAL HOME CARE/LONG-TERM CARE PROGRAM SUMMARY PRINCE EDWARD ISLAND SASKATCHEWAN NUNAVUT TERRITORY YUKON TERRITORY 3 Home care 3 Long-term facility care Home care Long-term facility care Home care support services 5 5 Long-term facility care Home care Long-term facility care Home care: The client must be medically stable Home care 1 : Client must use coverage from other public programs, if applicable Home care: Clients who are residents, have or are applying for, a Saskatchewan health card Home care 1 : Client must meet the basic requirements for home care Home care services: Maximum of 4 hours/ day up to 28 hours/week Home care services 1 : Max. of 40 hours/week Max. may vary depending on the region and client s needs Acute home care: Two weeks in general Home support: Based on assessed needs and resources (i.e. staffing, financial, etc.) Home support services 1 : Maximum of 35 hours/week Home care rates range from $22 to $47/hour 2 Long-term care facility: Rates range from $3,741 to $4,015/month Home care rates range from $22 to $49.50/hour 2 Long-term care facility: Rates range from $928 to $1,493/month 4 Home care rates range from $64.80 to $391/month Long-term care facility: Rates range from $911 to $1,727/month Home care rates range from $22 to $47/hour 2 Long-term care facility: Rates range from $540 to $630/month 6 Sources: 1 Provincial and Territorial Home Care Programs: A Synthesis for Canada, Health Canada, June Bayshore Home Health Preferred Provider Pricing Information, Bayshore Health Group, January Mary Sullivan from Government of P.E.I., Update to Long Term Care Research. of April 6, Institut Universitaire de Gériatrie de Montréal home page Care and Services. Accessed on April 5, 2006, 5 Denise Grad from Government of Saskatchewan, Long Term Care insurance. of April 5, 2006 and Government of Saskatchewan home page. Accessed on April 7, 2006, 6 The Facts About Residential Care, BC Health Care October,

19 NOTES 17

20 NOTES 18

21 Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies, a leading international financial services organization providing a diverse range of wealth accumulation and protection products and services to individuals and corporate customers. Tracing its roots back to 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under ticker symbol SLF.

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