+1 (888) 488 3080
+1 (416) 488 3080
Living Benefits
During your working years, it's important to focus on protecting your family income. As you move toward retirement, it becomes more important to protect the financial resources you've worked so hard to build. Health insurance can help you cover the costs of care and recovery so you can focus on what matters most - getting better.
4 types of Living Benefit Insurance
20 - 30 - 40 - 50 - 60 - 70 - 80
Offering different protection through each stage of your life.
Long Term Care Insurance
Critical Illness Insurance
Disability Insurance
Personal Health Insurance
Working Years
Retirement Years
Some of the conditions covered under the various plans available are:
Cancer
Blindness
Heart Attack
Stroke
Severe Burn
More...
Please note: The specific conditions covered by the Plan that you select will be listed in that plan's documentation.
Long Term Care
Protect your retirement savings and income
Preserve an inheritance for your loved ones
Eliminate the burden placed on your family caused by long term care needs
Long-term care insurance provides you with the support and financial resources necessary to cover the out-of-pocket expenses for care at home or in a facility when you can no longer care for yourself.
Fortunately, most of these changes aren't dramatically different from one day to the next - it's more of a gradual process. In fact, you will likely pass through 5 Stages of Care, to some degree, in your retirement:
Long Term Care benefits are initiated if you require substantial assistance with two of the six Activities of Daily Living (ADL) or substantial supervision because of cognitive impairment, such as Alzheimer's disease.
Bathing
You always need help from someone to get in and out of the bathtub and this person would also need to bathe you because you're not able to on your own, even with the use of an assistive device like a handheld showerhead or bath brush.
Eating
You always require assistance from someone to get food into your body, either via your mouth or a feeding tube. Being unable to prepare or cook meals is not the same as needing assistance with eating.
Dressing
You always need help from someone to get your clothes on and off because you're not able to on your own, even with the use of an assistive device like a buttonhook. If reasonable alterations or changes in the clothing you usually wear would enable you to dress without help from another person, you're not yet able to claim.
Toileting
You always need help from someone to get on and off the toilet because you're not able to on your own, even with the use of an assistive device like a grab bar, and to take care of any related hygiene because you're not able to on our own.
Transferring
You always need help from someone to move in and out of your bed or a chair because you're not able to on your own, even with the use of an assistive device like a cane or walker.
You are unable to control either your bowel or bladder functions and always need help from someone to take care of any related hygiene when there is an accident, including caring for a catheter or colostomy bag.