(FAQ) Frequently Asked Questions

A Pre-Existing Condition is any illness, disease, bodily injury, condition or symptom (regardless of whether or not a Diagnosis has been made) for which a c...

Each claim is reviewed on a case by case basis based on its own individual merit.  

Consideration for benefit payments are made on all claims; however, each claim is reviewed on its own individual merit and decisions are made based on the i...

Each claim is reviewed on its own individual merit. There are no set requirements for Doctor appointments. 

No.  If this happens, the Elimination Period shown on their insurance enrollment will not apply for the claim recurrence. The payment will be considered fro...

For a same or related disability, a customer would need to work 6 months and one day from the last claim paid to date, for it not to be considered a recurri...

A Recurring Disability means if a customer's Total Disability recurs within six months after they recover from the same or related Total Disability, we ...

The customer is responsible to make their regular loan or lease payments during the 30 day non-retroactive elimination period and while the claim is under r...

As long as the client is living in Canada for at least 6 months out of the year, they would be eligible to take the insurance. 

The maximum age is 71.