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Living Benefits

When an employee is diagnosed with a critical condition, provincial and private plans do not take care of all of the related costs. For anyone recovering from a critical condition, at a time when income is potentially reduced and expenses have increased, Critical Illness Insurance is not a “nice to have” but a must have.

Optional Critical Illness Insurance provides a one-time, lump-sum payment if an employee is unfortunately diagnosed with a covered critical condition – such as cancer, heart attack or stroke – and survives a specified period of time (usually 30 days).

Coverage Highlights

  • 23 covered conditions, including cancer recurrence.
  • A tax free lump sum benefit is paid to an insured in addition to any other insurance, and can be used at their discretion.
  • 2nd Event and other partial payments are included.
  • Option to have the 24/24 Pre-Existing exclusion period reduced to 12/12 (additional premium applies).
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