Higher survival rates increase financial challenges

Because of medical advances, Canadians are more confident about surviving cancer or other critical illnesses than surviving the impact on their wallets. Find out if you're prepared for the financial challenges of a critical illness.

 

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Are you at risk for a critical illness? About 2 in 5 Canadians will develop cancer in their lifetimes. In 2013, it was estimated that1: 96,200 Canadian men will be diagnosed with cancer 91,400 Canadian women will be diagnosed with cancer Over 500 Canadians will be diagnosed with cancer every day About 9 in 10 Canadians already have at least one risk factor for heart disease and stroke. In Canada, there is2: 1 stroke every 10 minutes 1 heart attack every 7 minutes

What are your chances of surviving it? 63% of Canadians diagnosed with cancer are expected to survive for 5 years or more after diagnosis1 The cardiovascular death rate in Canada has declined by nearly 40% in the last decade2 1.3 million Canadians are living with the effects of heart disease, and 315,000 are living with the effects of stroke2

Can you afford the financial impact? Cancer drugs taken outside the hospital — and not automatically covered by the government — cost about $20,000 for a course of treatment. Newer drugs cost over $65,000.1 Recovery from heart disease and stroke can continue for years, resulting in more medical bills and lost income and productivity2 Family caregivers also have to deal with wage loss and the real potential of a decreased standard of living3

BONUS: Get your premiums back Your beneficiary may receive all the premiums paid for this plan if: you die while your policy is in force; and you have not received, or are not eligible for, a Critical Illness benefit payment.

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Sources:
¹ Canadian Cancer Statistics, 2013.
² Heart & Stroke Foundation Statistics, 2013.
³ Colleen Nelson B.Ed, PBCE, "The Financial Hardship of Cancer in Canada: A Literature Review," Canadian Cancer Society, 2010.

Coverage is NOT available to any applicant who has had any of the following pre-existing conditions or procedures:

• Active hepatitis
• AIDS or AIDS-related disease
• Alcohol abuse in the past five years
• Alzheimer's disease
• Any heart condition or heart trouble (excluding controlled hypertension)
• Cancer - all cancer except basal cell skin cancer
• Coronary artery bypass surgery
• Diabetes
• Heart attack
• Huntington's chorea
• Kidney disease - other than kidney stones or a history of kidney infection
• Lou Gehrig's disease - amyotrophic lateral sclerosis (ALS)
• Major organ transplant recipient
• Multiple sclerosis
• Permanent paralysis (paraplegia, quadriplegia) - other than Bell's Palsy
• Pulmonary fibrosis
• Stroke - cerebrovascular accident
• Transient Ischemic Attack

To help meet the costs associated with surviving a serious illness, you and your spouse may apply for benefit amounts between $25,000 and $1 million for either of two coverage types:

Covered conditions:	Essential (6 conditions)	Enhanced (18 conditions)
Life-threatening cancer	✓	✓
Heart attack (myocardial infarction)	✓	✓
Stroke	✓	✓
Coronary artery bypass surgery	✓	✓
Kidney failure	✓	✓
Major organ transplant	✓	✓
Blindness		✓
Deafness		✓
Multiple sclerosis		✓
Paralysis		✓
Coma		✓
Burns		✓
Loss of speech		✓
Loss of limbs		✓
Motor neuron disease		✓
Aortic surgery		✓
Alzheimer's disease		✓
Parkinson's disease		✓

Return of premiums - If you die of any cause while your coverage is in force, and have not received (or were not eligible for) payment of the Critical Illness benefit under this Plan, your beneficiary will receive a death benefit equal to 100% of the premiums you paid for this coverage.

Waiver of premiums - Your coverage continues at no charge to you if you remain totally disabled for 3 continuous months before age 65.

Health Service Navigator^® - You and your family members can quickly and easily get answers to your medical questions and access to support services. Access isn't dependent upon making a claim - it's available immediately not only for you the insured, but for all of your eligible family members too!   

How Health Service Navigator can help you and your family Your doctor has made a diagnosis, but you want a second opinion. You want to know how long you will have to wait for surgery and whether there is a faster way to get it. You want more information about a prescription drug. You need to find a family doctor. You want to make the most of your appointment with a new specialist. You need to know what health resources are available in your area. You can find out what health expenses are covered under your provincial health plan. You want to understand a medical condition and your treatment options. HSN is available online or by calling a dedicated representative. You can receive information, medical coordination services, resources on how to navigate the Canadian health care system, and world-class medical second opinions.

Life-threatening cancer exclusions
The following cancers are excluded from Critical Illness coverage:

• Carcinoma in situ;
• Stage 1A malignant melanoma (melanoma less than or equal to 0.75 mm in thickness, not ulcerated and without level IV or V invasion);
• Any non-melanoma skin cancer that has not become metastatic (spread to distant organs);
• Stage A (T1a and T1b) prostate cancer; and
• Any tumour in the presence of any human immunodeficiency virus (HIV).

Subject to the above definition, no Critical Illness benefit for cancer will be payable if a diagnosis of any type of cancer is made within ninety (90) days of the date of approval of coverage or of a reinstatement, or if such diagnosis is made as the result of symptoms present within that period.

Furthermore, no benefits will be payable for a subsequent diagnosis of any cancer or other Covered Conditions directly resulting from any cancer or its treatment. Any diagnosis of any type of cancer or symptoms leading to such diagnosis occurring within this period must be reported to the Company in writing within six (6) months of diagnosis. If you fail to disclose this information, we have the right to deny any claim under this coverage.

Heart attack (myocardial infarction) exclusions
Excludes minor heart attacks that do not meet all of the following criteria at the same time:

• New episode of typical chest pain or equivalent symptoms; and
• Resulting from the blockage of one or more coronary arteries; and
• New electrocardiographic changes indicative of myocardial infarction; and
• Biochemical evidence of myocardial necrosis including elevated cardiac enzymes and/or troponin.

Stroke exclusions
Transient Ischemic Attacks (TIA) and neurological deficits caused by external trauma are specifically excluded.

Coronary artery bypass surgery exclusions
This excludes non-surgical techniques such as balloon angioplasty or laser relief of an obstruction.

Paralysis exclusions
All psychiatric-related causes are specifically excluded.

Loss of speech exclusions
All cases associated with psychiatric disorders are specifically excluded.

Aortic surgery exclusions
Surgery for diseases of the branches of the thoracic or abdominal aorta, and aortic valve surgery are specifically excluded.

Alzheimer's disease exclusions
Subject to the definition, all other dementing organic brain disorders and psychiatric illnesses are specifically excluded.

Parkinson's disease exclusions
Subject to the definition, all other types of Parkinsonism are specifically excluded.

General exclusions
No benefit will be paid if the Insured person, while sane or insane, suffers a Covered Condition as a result of intentional self-inflicted injuries, the abuse of alcohol or drugs, committing or attempting to commit a criminal offence, or operating a motor vehicle while the concentration of alcohol in 100 milliliters of blood exceeds 80 milligrams. No benefit will be paid unless the Insured person survives thirty (30) days following the first diagnosis of a covered condition.

You and your spouse can apply for coverage amounts starting from $25,000 (1 unit) to $1 million (40 units) per person for either Essential or Enhanced coverage.

Save 10% on coverage of $125,000 or more per person.

Critical Illness Insurance Monthly premiums* per unit ($25,000)
Age1	Essential Coverage (6 conditions)				Enhanced Coverage (18 conditions)
	Non-smoker2		Smoker		Non-smoker2		Smoker
	M	F	M	F	M	F	M	F
18 to 25	$4.84	$4.23	$5.55	$5.02	$5.73	$5.16	$6.59	$6.10
26	$5.01	$4.40	$5.81	$5.28	$5.93	$5.37	$6.89	$6.40
27	$5.18	$4.58	$6.09	$5.55	$6.14	$5.59	$7.21	$6.70
28	$5.36	$4.76	$6.38	$5.84	$6.29	$5.82	$7.54	$7.02
29	$5.54	$4.96	$6.69	$6.15	$6.52	$6.05	$7.89	$7.35
30	$5.73	$5.15	$7.01	$6.47	$6.74	$6.29	$8.25	$7.70
31	$5.97	$5.40	$7.47	$6.81	$7.01	$6.58	$8.77	$8.09
32	$6.21	$5.66	$7.95	$7.17	$7.23	$6.89	$9.33	$8.50
33	$6.45	$5.93	$8.47	$7.54	$7.51	$7.20	$9.92	$8.93
34	$6.71	$6.22	$9.03	$7.93	$7.76	$7.54	$10.55	$9.38
35	$6.98	$6.51	$9.61	$8.35	$8.07	$7.88	$11.22	$9.85
36	$7.21	$6.83	$10.11	$8.92	$8.33	$8.28	$11.80	$10.51
37	$7.44	$7.16	$10.63	$9.53	$8.60	$8.69	$12.41	$11.21
38	$7.68	$7.51	$11.18	$10.18	$8.87	$9.12	$13.05	$11.96
39	$7.93	$7.87	$11.76	$10.88	$9.16	$9.58	$13.72	$12.76
40	$8.19	$8.25	$12.37	$11.62	$9.45	$10.05	$14.43	$13.60
41	$8.88	$8.87	$13.89	$12.92	$10.26	$10.86	$16.21	$15.12
42	$9.63	$9.54	$15.61	$14.37	$11.12	$11.74	$18.20	$16.80
43	$10.45	$10.25	$17.53	$15.98	$12.06	$12.69	$20.43	$18.66
44	$11.34	$11.03	$19.69	$17.78	$13.09	$13.71	$22.95	$20.74
45	$12.30	$11.86	$22.11	$19.77	$14.20	$14.81	$25.77	$23.04
46	$13.38	$12.54	$24.68	$21.39	$15.45	$15.69	$28.67	$24.78
47	$14.56	$13.26	$27.53	$23.14	$16.81	$16.62	$31.91	$26.65
48	$15.84	$14.01	$30.72	$25.04	$18.29	$17.61	$35.50	$28.66
49	$17.24	$14.82	$34.28	$27.09	$19.74	$18.65	$39.50	$30.81
50	$18.76	$15.67	$38.26	$29.31	$21.48	$19.75	$43.96	$33.13
51	$20.67	$16.63	$42.94	$31.85	$23.67	$21.00	$49.08	$36.00
52	$22.77	$17.66	$48.19	$34.61	$26.07	$22.33	$54.81	$39.11
53	$25.09	$18.74	$54.09	$37.60	$28.73	$23.74	$61.20	$42.49
54	$27.65	$19.90	$60.71	$40.86	$31.65	$25.24	$68.33	$46.16
55	$30.46	$21.12	$68.14	$44.40	$34.88	$26.83	$76.30	$50.15
56	$33.11	$22.41	$73.89	$47.32	$37.91	$28.52	$82.53	$53.59
57	$36.00	$23.78	$80.13	$50.43	$41.56	$30.31	$89.27	$57.25
58	$39.13	$25.24	$86.89	$53.75	$45.18	$32.21	$96.57	$61.17
59	$42.53	$26.78	$94.22	$57.29	$49.52	$34.23	$104.46	$65.35
60	$46.23	$28.42	$102.18	$61.06	$53.83	$36.38	$112.99	$69.82
61	$48.34	$30.31	$110.11	$63.84	$56.28	$38.86	$121.92	$73.47
62	$50.54	$32.32	$118.66	$66.75	$58.85	$41.50	$131.56	$77.30
63	$52.84	$34.47	$127.87	$69.80	$62.04	$44.33	$141.96	$81.34
64	$55.25	$36.76	$137.80	$72.98	$64.86	$47.34	$153.18	$85.58
65	$57.76	$39.20	$148.50	$76.31	$67.81	$50.57	$165.29	$90.04
66 3	$62.50	$41.50	$158.62	$80.78	$73.38	$53.61	$176.49	$95.28
67 3	$67.63	$43.93	$169.41	$85.53	$79.40	$56.83	$188.45	$100.82
68 3	$73.17	$46.50	$180.95	$90.54	$85.91	$60.25	$201.23	$106.69
69 3	$79.17	$49.21	$193.27	$95.86	$92.95	$63.87	$214.86	$112.89
70 3	$85.67	$52.09	$206.43	$101.48	$100.58	$67.71	$229.42	$119.45
71 3	$90.42	$55.56	$215.85	$107.60	$106.15	$72.44	$239.86	$126.59
72 to 74 3	$95.44	$59.25	$225.70	$114.09	$112.04	$77.17	$250.76	$134.17

* Note that premiums are subject to change without notice.
¹ "Age" means attained age at the policy anniversary date. The policy anniversary date is the first of the month following the date your application is received. This rate is guaranteed for 5 years. After 5 years, your rate will increase to reflect the rate at your age at that time. The new rate will then be guaranteed for another 5 years.
² "Non-Smoker" premiums apply to Members and Spouses who have not smoked cigarettes in the last 12 months. Once insured, you must notify Manulife of any change in your smoking status.
³ Premiums for renewals only. Coverage ends at age 75.

You are eligible to apply if you have not had any of the pre-existing conditions or procedures specified in the "What's Excluded" section above and are a Canadian resident under 66 years of age (or under age 75 if already insured under this plan). You must also fall under one of the following:

1. Members of the 12 provincial and territorial engineering licensing associations (including members in training). Also, student engineers who are members of a student section (in those associations where a student section exists) and who are within 24 months of expected graduation from a program accredited by the Canadian Engineering Accreditation Board.
2. Members of the 10 provincial associations of technicians and technologists.
3. Members of Geoscientists Nova Scotia.
4. Members of the Association of Professional Geoscientists of Ontario.
5. Members of the Ontario Society of Professional Engineers.
6. Members of the Reseau des ingenieurs du Quebec.
7. Members of l'Ordre des architectes du Quebec, the Manitoba Association of Architects, the Newfoundland and Labrador Association of Architects, the Architects' Association of New Brunswick and the Nova Scotia Association of Architects.
8. Permanent full-time employees of the eligible associations, as defined above, or of Engineers Canada.
9. Limited licensees and retirees.

You may apply for Critical Illness Insurance for your spouse if you are also applying for it or are already insured under this plan.

You can apply for Engineers Canada insurance coverages a number of ways:

1. Download an application for completion and submit back to Garrett Agencies
2. Contact Us and an advisor can assist you with completion of the appropriate applications

In all cases, you will be contacted, and a professional advisor will review your application to ensure proper completion.

After the application:

Once the application has been completed, a medical professional from a third party paramedical service may call you to arrange a home visit at your convenience. The insurance company may also contact your doctor to request medical records.

Throughout this process, Garrett Agencies will be communicating with you to keep you up to date on progress and may request additional information from you.

Once the insurance company has received and reviewed all the information required, they will issue an offer for insurance which you may choose to either accept or decline.

To apply for Critical Illness Insurance, please choose one of the following options:

Download An Application Contact Us

What are the complete definitions of the covered conditions?

Life-threatening cancer: A tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue as confirmed by histological examination of tissue samples.

Heart attack (myocardial infarction): The death of a portion of the heart muscle due to atherosclerotic heart disease. The diagnosis must be based on all of the following criteria occurring at the same time:

• New episode of typical chest pain or equivalent symptoms; and
• Resulting from the blockage of one or more coronary arteries; and
• New electrocardiographic changes indicative of myocardial infarction; and
• Biochemical evidence of myocardial necrosis including elevated cardiac enzymes and/or troponin.

Stroke: A cerebrovascular incident causing infarction of your brain tissue, due to intracranial hemorrhage, thrombosis or embolism, producing a new measurable permanent clinical neurological deficit persisting for at least thirty (30) days following the occurrence of the stroke.

Coronary artery bypass surgery: You have undergone heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts.

Kidney failure: End stage renal disease, due to whatever cause or causes, as a result of which you are undergoing peritoneal dialysis or haemodialysis on a regular basis or have received a transplanted human kidney.

Major organ transplant: You have undergone transplantation of a human heart, liver, lung or kidney due to irreversible failure of such organ, or you have received transplanted human bone marrow.

Blindness: Total and permanent loss of sight in both eyes, as confirmed by a qualified ophthalmologist. The corrected visual acuity must be worse than 20/200 in both eyes, or the field of vision must be less than 20 degrees in both eyes.

Deafness: Total, permanent and profound loss of hearing in both ears, with an auditory threshold of 90 decibels or greater within the speech threshold of 500 to 3,000 cycles per second, as confirmed by a doctor who is a certified otolaryngologist, and such loss of hearing cannot be corrected by any hearing aid, implant or device.

Multiple sclerosis: The unequivocal diagnosis of definite multiple sclerosis by a doctor who is a certified neurologist. The diagnosis must be based on well-defined neurological abnormalities on physical examination persisting for a continuous period of at least one hundred and eighty (180) days and confirmed by imaging techniques.

Paralysis: Complete and permanent loss of use of two or more limbs for a continuous period of ninety days following the precipitating event, during which time there has been no sign of improvement.

Coma: A state of unconsciousness, with no reaction to external stimuli or response to internal needs, continuing for at least four (4) days.

Burns: Third degree burns covering at least 20% of the surface area of the body. The diagnosis must be confirmed by a certified plastic surgeon.

Loss of speech: Total and irreversible loss of the ability to speak as the result of physical injury or disease which loss continues for a continuous period of at least one hundred and eighty (180) days.

Loss of limbs: The irreversible severance of two or more limbs at or above a point that is proximal to the wrist or ankle joint as the result of an accident or medically required amputation.

Motor neuron disease: You receive an unequivocal diagnosis, by a doctor who is a certified neurologist, that you have one of the following: amyotrophic lateral sclerosis (A.L.S. or Lou Gehrig's disease), primary lateral sclerosis, progressive spinal muscular atrophy, progressive bulbar palsy, or pseudo bulbar palsy, and limited to these entities. The diagnosis must be accompanied by typical progressive neurological findings on physical examination for at least one hundred and eighty (180) days.

Aortic surgery: The undergoing of surgery for disease of the thoracic or abdominal aorta, requiring excision of the diseased segment of the aorta and replacement of it with a graft.

Alzheimer's disease: The definite diagnosis of Alzheimer's disease, by a doctor who is a certified neurologist, with progressive degeneration of the brain, memory and the ability to reason and perceive. You must exhibit the loss of intellectual capacity involving impairment of memory and judgment, which results in such a significant reduction of mental and social functioning as to require continuous daily supervision.

Parkinson's disease: The diagnosis, by a doctor who is a certified neurologist, of primary idiopathic Parkinson's disease, characterized by two or more of the following clinical manifestations:

• Muscle rigidity
• Tremor
• Bradykinesis (abnormal slowness of movement, sluggishness of physical and mental responses)