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Bundled Plan Plan info
The Bundled Plan helps you save money, while building a safety net for you and your loved ones' future.
Monthly premiums include coverage for four products:
TERM LIFE INSURANCE:
$30,000 (Member only)
LONG-TERM DISABILITY INSURANCE:
$750 a month (Member only)
ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE:
$30,000 ( )
EXTENDED HEALTHCARE INSURANCE:
Option 1 ( )
Make it your own: add any of the coverage options below to your Bundled Plan to get more of what you want.
Term Life Insurance
Help protect your family’s lifestyle and their financial future if you’re not here to take care of them.
Accidental Death and Dismemberment Insurance
Prepare for the unexpected with coverage that provides a lump sum payment if you or a family member suffers a serious injury or accidental death.
Extended Healthcare Insurance
Save out-of-pocket costs not covered by your provincial health plan including prescription drugs, massage therapy, physiotherapy, chiropractor visits, vision care and more.
Critical Illness Insurance
Protect you and your family from the financial impact of a serious illness; 25 illnesses are covered including cancer, heart attack and stoke.
Long-Term Disability Insurance
Create a safety net with this income-style benefit that helps pay bills that keep coming even if you have to stop working due to a serious illness or injury.
120 days
Dependent child(ren)
Your dependent children are your children, including adopted children and stepchildren, who depend on you or your spouse for support and are:
- under age 21,
- under age 25 (for Quebec residents, age 26), if full-time students,
- of any age if incapable of supporting themselves because of physical or mental disability,
- not married or in any other formal civil union recognized by law.
Spouse
Spouse means:
- your spouse by marriage,
- your spouse under any other formal union recognized by law, or
- a person of the opposite or same gender with whom you have resided for at least 12 months and who has been publicly represented as your spouse.
Only one person at a time can be covered as your spouse.
Coverage ends for a common-law spouse as soon as you stop living together.
Bundled Plan
- Term life and Long-term disability - Member coverage only
- Extended healthcare and Accidental death & dismemberment - you choose from: Single; Couple (or Member + 1 dependent child) or Family coverage
Elimination Period for Long Term Disability
There is a 120-day elimination period. The elimination period is the amount of time you must be totally disabled before Long Term Disability benefits become payable.
You are considered totally disabled if:
- during the elimination period and for the first 24 months after the elimination period, sickness or injury prevents you from performing the essential duties of your own occupation, and
- after 24 months, you are unable to work at another career for which you may become qualified by education, training or experience.
You must be under the regular care of a physician and not gainfully employed.
Own Occupation Rider for Long Term Disability
This is an option for members under the age of 50. With this option, benefits payable if sickness or injury prevents you from performing the essential duties of your own occupation. Benefits are paid to age 65 (rather than for the first 24 months only).
You must be under the regular care of a physician and not gainfully employed.
Cost of Living Adjustment Rider for Long Term Disability
The cost-of-living adjustment (or COLA) keeps benefits in step with inflation. It increases your benefit each year by the increase in the Consumer Price Index, to a maximum of 5%, to protect your purchasing power during a lengthy disability.
Elimination Period for Overhead Office Expense (OOE)
You can select either a 14 or 30 day elimination period. The elimination period is the amount of time you must be totally disabled before OOE benefits become payable. The elimination period can be satisfied with intermittent periods of disability from the same cause accumulated within six months.
Benefits become payable upon having completed the 14 or 30 day elimination period of uninterrupted total disability.
Note that maximum coverage with a 14 day elimination period is $5,000.
Do you smoke?
Non-smoker means that you have not used any tobacco or tobacco cessation products within the last 12 consecutive months.