Policy Specifications

This short-term disability insurance plan pays a $1,000 tax-free monthly benefit in the event that you become disabled due to an accident or illness. No proof of income, employment, or medical evaluation is required.

Benefit & Waiting Periods

Benefit Amount: $1,000 monthly

Benefit Period: to Age 70

Waiting Period: 5 days for disabilities due to accident, 14 days for disabilities due to illness

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Type of Disability Insurance

Type of Disability Insurance: Simplified Issue

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Definitions of Disability

Definition of Disability: Regular Occupation if employed, Any Occupation if unemployed

If Employed: Disability means that the insured is unable, due directly to illness or accident, independent of any other cause to perform major duties of the occupation in which they were engaged in at the onset of their disability. To be considered disabled, the insured must be under the continuous care of a physician providing care suitable for their disability and must not be engaged in any remunerative work.

If Unemployed: Disability means that the insured is unable, due directly to illness or accident, independent of any other cause to perform their usual daily tasks and any other tasks for which they are reasonably qualified by education or experience. To be considered disabled, the insured must be under the continuous care of a physician providing care suitable for their disability at an appropriate frequency.

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Integration of Benefits

Integration of Benefits: Non-integrated

This means that monthly benefits are paid on top of, irrespective of other public or private income benefits.

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Riders

Riders: Non

Inquire with your broker for any available riders

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Pre-Existing Medical Conditions

Pre-Existing Medical Conditions: Covered

Exclusions

No benefits are payable if disability is the result of any of the following;

– The abuse of alcohol or drugs
– Participating in a sport for renumeration
– Participating in a motor vehicle competition, race or speed contest
– An attempted suicide or intentional self injury
– Cosmetic care or treatement
– Experimental care or treatments, or new procedures not yet commonly used
– Participation in a public confrontatioon, riot, insurrection, war, or other acts of war declared or not
– Operation of a motor vehicle with an alcohol level exceeding 80mg per 100ml or under the influence of any drug
– Participation in a flight other than as a passenger
– The insured moves outside of Canada and does not continue to receive care from a Canadian licensed physician

A Guide to OHIP Coverage as a Snowbird

July 20, 2023 No Comments

For those adventurous souls who flock south during the frigid Canadian winters to bask in warmer climates, navigating health insurance options can be a daunting

Schedule a Call with a Broker to Apply

Name *

First

Last

Phone

Email *

Age

Gender

Female
Male
Other

Height

Weight

Do You Currently Hold Remunerative Work for at Least 8 Months per Year and 21 Hours per Week?

Save and Resume Later

Are you currently limited in terms of your movements or your daily activities due to an injury or illness?

Do you have a chronic neurodegenerative disease or a permanent physical or intellectual impairment?

In your lifetime, have you suffered from or been treated for AIDS or tested positive for HIV?

In your lifetime, have you suffered from or been treated for heart attack, angina, heart valve disease, stroke, or any other heart or blood vessel disorders?

In your lifetime, have you suffered from or been treated for malignant tumour or any other form of cancer (excluding basal cell carcinoma)?

In your lifetime, have you suffered from or been treated for Crohn’s disease, ulcerative colitis, chronic liver disease, or pancreatitis?

In your lifetime, have you suffered from or been treated for Polycystic kidney disease or kidney failure?

In your lifetime, have you suffered from or been treated for diabetes?

Type 1 or 2 Diabetes?

Within the last 5 years, have you suffered from or been treated for asthma which requires daily treatment?

Within the last 5 years, have you suffered from chronic bronchitis, emphysema, cystic fibrosis, sarcoidosis or sleep apnea?

Within the last 5 years, have you suffered from or any kidney or genitourinary system disease requiring regular supervision by a physician ?

Within the last 5 years, have you suffered from or been treated for any type of arthritis (excluding osteoarthritis)?

Within the last 5 years, have you suffered from any type of lupus, muscular dystrophy or degenerative disc disease, including herniated disc?

Within the last 12 months has an illness or injury resulted in absence from work for more than two consecutive weeks?

Presently, do you require regular supervision by your physician or a specialist for all diseases or disorders of the eyes, ears, nose, throat, skin or blood

Have you been advised to have any tests, follow up on health complications with a physician or undergo surgery, that is still pending?

Has a member of your immediate family been diagnosed before the age of 60 with breast cancer, ovarian cancer, colon cancer or familial adenomatous polyposis?

Has a member of your immediate family been diagnosed before the age of 60 with Huntington’s disease or polycystic kidney disease?

Within the last 5 years, have you used hard drugs or narcotics without a medical prescription?

Within the last 5 years, have you been treated for drug or alcohol use, or been advised to reduce your consumption or to receive treatment for it?

Within the last 12 months, have you been convicted of an offence or criminal act, or are you currently under indictment for an offence or criminal act?

Within the last 12 months, have you has your drivers license has been suspended, withdrawn or restricted (for any reason other than unpaid tickets)?

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Disclosure

All quotes are provided by Red Helm Insurance Ltd. FSRA license #37440M, an independent brokerage specializing in health benefits. While all effort is made to ensure accuracy, quotes, rates, and plan details may be subject to review or change without prior notice. Plan eligibility is not guaranteed and may be subject to a medical questionnaire or other eligibility criteria. By submitting your information in our quote request form, you are accepting the terms and conditions of our website and are accepting that we communicate with you electronically for the purpose of solicitation.

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Policy Specifications

A Guide to OHIP Coverage as a Snowbird

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