Engineers Canada

No. There are no medical questions or tests. Acceptance is guaranteed once you meet the eligibility rules and your first premium is paid.

No. One premium covers all your eligible children, however many you have.

Premiums are generally tax-deductible as a business expense. Because of that, benefits are taxable business income, which is usually offset by the deductible overhead costs they pay, such as rent, utilities and staff salaries.

Your health coverage continues past 65, with lower maximums from then on: $50,000 for eligible expenses in Canada and $25,000 outside Canada. Dental coverage ends at 65. Call us for the premiums after 65.

The full definitions are in the sample certificates: the 6-condition (Essential) certificate (opens in a new tab) and the 18-condition (Enhanced) certificate (opens in a new tab). Each covered condition has to meet its definition exactly, and some have their own exclusions and survival periods. Ask us and we’ll go through any of them with you.

Your coverage renews automatically for another 20 years, with no health questions, at the rate for your age at renewal. Renewal premiums aren’t guaranteed. From 71, the renewal runs to the group policy anniversary on or after your 90th birthday, when coverage ends.

Your spouse can keep their coverage. It continues from the premium due date after your death, as long as your spouse keeps paying the premiums, and the ownership of the coverage passes to them. Any spouse Major Accident Protection and Child Life & Accident Insurance continues the same way. Or, within 31 days of that premium due date, your spouse can convert the coverage to an individual policy without evidence of insurability.

It’s the number of days you must be disabled before benefits start. You choose it when you apply, from 7 to 365 days, and a longer waiting period means a lower premium. It counts from your first doctor’s visit for the disability, and days off for the same cause within 12 months add up toward it.

Prime is medically underwritten and designed mainly for members under 65. The Professional plans are three plans with different ways to qualify, and dental continues past 65.

Yes, once your coverage is in force: a newborn is covered automatically from 15 days old, with no application and no extra cost.

Yes, it can be bought on its own. Your spouse can apply if you have, or are applying for, your own Major Accident Protection.

Yes. Send Manulife a written request at any time to reduce it in $25,000 steps, and any unused premium is refunded.

Up to your average fixed monthly business expenses over the last six months, less any overhead coverage you already have, from $500 to $8,000 a month in $100 steps.

For cancer, the plan doesn’t cover:

• carcinoma in situ;
• stage 1A malignant melanoma (0.75 mm thick or less, not ulcerated, without level IV or V invasion);
• non-melanoma skin cancer that hasn’t spread to distant organs;
• stage A (T1a and T1b) prostate cancer;
• any tumour in the presence of HIV.

And no benefit is paid for cancer if you had it, or symptoms or tests that led to the diagnosis, before your coverage started or within its first 90 days. Other conditions have their own limits, and some general exclusions apply, such as intentional self-inflicted injury. The plan page lists them.

For Prime, each practitioner type has a limit of $500 a calendar year. Under the Professional plans, the combined yearly maximums are $600 for Base, $650 for Bridge and $700 for Comprehensive.

Once your waiting period ends. You choose it when you apply: 7, 14, 30, 90, 119, 180 or 365 days. Benefits are paid monthly, at the end of each month, and the first payment is made within 31 days of an approved claim.

Yes. Your premium rises as you move into each age band, from the April 1 policy anniversary after your birthday. Rates aren’t guaranteed and can change on any policy anniversary. If you add the optional Insurance Continuation Benefit, its premium stays level until 85, when premiums stop.

If you pay the premiums yourself with after-tax dollars, the benefit is generally tax-free.

Yes, if your coverage ends on or before age 75. Apply in writing and pay the first premium within 31 days of the date it ended, and you won’t need evidence of insurability. Up to 65, you can convert to whole life or to term insurance to age 65; from 66 to 75, to whole life only, up to $200,000.

Yes, after 12 months in a row without tobacco or nicotine in any form, including vaping and nicotine replacement. Manulife may ask for information before approving the change.

• Eye exams: $80 every 24 months
• Prescription eyewear: $250 every 24 months
• Health care practitioner (such as chiropractors, physiotherapists, massage therapists and psychologists): $500 per practitioner, per calendar year
• Private duty nursing: $10,000 for any one injury or sickness every 12 months
• Hearing aids: $500 every 5 years
• Orthotics and orthopedic shoes: $225 (combined) per calendar year
• Glucometers: $500 per calendar year
• Accidental dental: $750 per tooth
• Prescribed vaccines (required for out-of-Canada travel): $250 per calendar year
• Repatriation: $15,000 per injury or sickness
• Dental care: $1,500 per calendar year

The plan pays your actual eligible expenses, up to your monthly benefit, and payments continue until they total 12 times your monthly benefit, 3 years have passed, you recover, or you reach 70, whichever comes first. So lower expenses stretch the benefit over a longer time. If expenses in a month are higher than your benefit, the extra is carried into the next month.

When they no longer qualify: at 25, or earlier if they marry or no longer depend on you, or at 21 if they aren’t in full-time study. It can’t be converted; your child would need to apply for their own coverage, with health questions.

For a total disability caused by an illness, benefits can be paid to age 70. For a total disability caused by an accident, they can continue for life. Residual disability benefits are paid to 70 at most, whatever the cause.

The major impairment benefit is paid to you. The accidental death benefit goes to your beneficiary.

Yes. You must have, or be applying for, Term to Age 85 Life Insurance or Major Accident Protection.

No. Business Overhead Expense pays the fixed costs of running your office while you’re disabled. It doesn’t replace your own income: that’s what Disability Income Protection does.

You have a 60-day grace period. If the premium isn’t paid by then, the coverage ends. You can apply to reinstate it within 2 years, with any medical evidence Manulife asks for.

From your employment or profession, after business expenses but before income taxes. If you have fluctuating income, your average monthly earnings before disability is the greater of:

1. your average monthly earnings during your last taxation year, or
2. the average of the previous 24 months

On the April 1 on or after your 75th birthday. It can’t be converted to an individual policy.

The plan isn’t available if you, or your spouse if they’re applying, have or have ever had any of these:

• 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

It depends on how much your workplace plan replaces. Workplace plans often replace less of your income than people expect, and they usually end when you leave the job. This plan can top up the gap between what your employer’s plan pays and what your earnings qualify for, and it stays with you if you change jobs. We can work out the gap with you.

No. It doesn’t cover your own pay, inventory, or the tools of your trade. For your own income, see Disability Income Protection.

Benefits for all losses from one accident are combined, up to $100,000 per unit, or $200,000 per unit for paralysis of two or more limbs.

The accident benefit is paid to you. The life benefit goes to the beneficiary you name, or to your estate if you haven’t named one.

Generally not, when you pay the premiums yourself. If a business pays or deducts the premiums, the benefits are taxable.