Disabiltiy

Question 1

Critical Illness - Big Four

Answer 1

Cancer, Stroke, Heart Attack, Coronoary heart bypass

Question 2

Primary CPP Offset

Answer 2

Any amount that the insured is entitled to recieve under a disability policy will be reduced by what the insured is personally entitled to recieve from CPP

Question 3

Full CPP Offset

Answer 3

Any amount that the insured is entitled to recieve under a disability policy will be reduced by what the insured is personally entitled to recieve from CPP

Question 4

Full Exclusion Clause

Answer 4

Specifically stated pre-existing condition will not be covered at all

Question 5

Partial Exclusion Clause

Answer 5

Pre-existing conditions will have a longer elmination period 0R shorter benefit period. Short-term disabilities from the stated pre-existing conditions will not be covered

Question 6

Qualified Condition

Answer 6

Specifically stated pre-existing conditions will have a longer elimination period AND shorter benefit period

Question 7

COLA (cost of living adjustment)

Answer 7

adjusts income based on inflation

Question 8

Presumptive Disability

Answer 8

Will pay you full benefits for the full benefit period without asking for proof that you are not working. Disabilities include loss of speech, loss of hearing, blindness, loss of the use of two limbs