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Benefits For The Trucking Industry
ROADSIDE PACKAGE
Available to ages 18 - 64, coverage to age 70
INCLUDES LOSS OF INCOME INJURY COVERAGE Guaranteed To Issue1
$2,000 to $5,000 per month
24 hour or Non-Occupational available
Waiver of Premium
after 30 days of Total Disability and when benefits are payable
Return to Work Assistance Benefit
rehabilitation and financial assistance in returning you to work
Benefits Payable from the FIRST DAY, to age 70
Benefits based on Gross Business Revenue
Partial Disability Benefit
50 % benefits for up to 180 days
INCLUDES $110,000 Accident Medical Reimbursement Benefit2
Providing reimbursement for medical expenses not covered by provincial plans, such as hospital charges;
ambulance transportation, and practitioner's fees.
INCLUDES Accidental Death and Dismemberment Coverage $300,000 or $500,000
A lump sum payment for specific losses, in addition to any other insurance you may have.
- Principal sum amount in the event of Death, Paraplegia, Hemiplegia or Quadriplegia.
- Includes an enhanced loss schedule, as well as benefits like day care, education, home alteration/vehicle modification, seat belt benefit.
if you select family coverage your family will automatically be insured for the following amounts:
Your Spouse will be insured for 50 % of the benefit you select for yourself, if you do not have any eligible Dependent Children
your Spouse will be insured for 60 % ; each Dependent Child will be insured for 15 % of the benefit you select for yourself,
if you do not have a Spouse, each Dependent Child will be insured for 20 % .
INCLUDES Travel Medical Emergency Coverage
Provides up to $5,000,000 of coverage for reasonable and customary medical expenses as part of the
emergency treatment arising from a medical condition.
Covered Expenses include hospital accommodations, physician charges, diagnostic services, paramedical services,
ambulance services, emergency air transportation, transportation to bedside, and more.
- Emergency Assistance Service available 24 hours /7 days a week no matter where you travel.
- Unlimited number of trips and within the first 30 consecutive days of each trip.
If you're a Long Haul Driver,
you don't want your disability (due to injury or sickness) to disable your Business also. Speak to an advisor on the importance of protecting your business while you're disabled. Business Overhead Expense Coverage reimburses for customary fixed business expenses and can also reimburse you for the cost of a replacement driver so your business can keep on truckin'.
Other Package upgrades are available, please be sure to speak to your advisor about all your options!
The monthly Loss of Income Benefit amount available is determined by your Qualifying Insurable Monthly Earnings. How much income you make
will determine the benefit amount payable in the event of a claim, and will be determined by your Qualifying Insurable Monthly Earnings at the
time you become disabled.
At claim time you will be required to provide written evidence of your Qualifying Insurable Monthly Earnings. This may include information from third parties, a copy of income tax returns, audited income and expense statements or employer’s salary statements. Once a method of determining income has been selected that same method will be used throughout the entire period for that claim. For the self employed, we offer a choice of income verification methods to provide you the most favourable benefit amount; either the average monthly income during the prior 6 month period, or the last taxation year, or the best consecutive 2 year period in the past 3 years immediately preceding the date of Disability (the 2 year period must commence after the effective date of coverage).
If the monthly benefit purchased plus any other benefits exceeds your Qualifying Insurable Monthly Earnings, your Loss of Income benefit will be reduced by the excess amount. But, during the first 18 months of Total Disability, your Loss of Income benefit will not be less than 25% of the monthly benefit purchased.
Total Disability means due directly to an injury or illness you are unable to perform the important duties of your Regular Occupation; you are not engaged in any gainful occupation, and you are receiving physician's care. After Disability benefits have been payable for 36 months the definition of Total Disability changes to mean due directly to an injury or illness you are unable to engage in any Reasonable Occupation; and you are continuing to receive physician's care.
Partial Disability means you are not totally disabled; you are engaged in your regular or gainful occupation; but due directly to an injury or illness you are unable to perform either: i) one or more important duties of your Regular Occupation; or ii) the important duties of your Regular Occupation at least 1/2 of the time normally required. You must also be receiving physician's care.
NOTE: Total and Partial Disability definitions are modified if you are unemployed or on a leave of absence on the date of disability. (refer to policy for details)
Regular Occupation means the occupation you are actively involved in for compensation on the date of Disability.
Reasonable Occupation means any occupation in which you could earn, or within a 12 month period, could expect to earn, an income equal to or greater than 80% for the first $4,350 of your QIME and 150% on the remainder of your QIME
Guaranteed Renewable Renewable means, Once issued, your policy cannot be cancelled by the Company, and its provisions may not be restricted or modified prior to your 75th birthday for Injury only coverage, and your70th birthday for Illness coverage. (assuming premiums are paid when due and there were no misstatements, misrepresentations or omissions related to your insurability at time of application). Furthermore, your policy cannot be singled out for premium change, but, the insurer may at its discretion change premiums for all policies in any one class grouping.
General Exclusions & Limitations;
It's important that you understand under what circumstances a claim may not be paid. Here is a brief summary of some exclusions and limitations under the coverages provided by RBC Life Insurance Company. Please ensure you review your policy contracts in their entirety for complete details of the exclusions and limitations under these and any other coverages.
Benefits are not payable for Disability or other losses covered, that results, directly or indirectly, from an Injury which occurs while you:
1) fly in an aircraft that is not a certified passenger aircraft operated by a properly certified pilot, flying between duly established and maintained commercial airports
2) participate in professional athletics or underwater activities, including scuba diving
3) engage in mountaineering, rock climbing, caving, parachuting, sky diving, hang gliding, bungee jumping, racing (for example; automobile, motorcycle, or horse) or racing any water device (ie: seadoo)
4) operate a motor vehicle while under the influence of any intoxicant or while you have a blood alcohol concentration in excess of 80 mg of alcohol per 100 ml of blood.
Benefits are also not payable for Disability, or other losses covered, that results, directly or indirectly, from:
5) disease or sickness (if you purchased injury only coverage)
6) intentionally self-inflicted harm, or attempted suicide, including inhaling gas or absorbing fumes, while sane or insane
7) committing or attempting to commit a criminal offense
8) the use of any drug, poisonous substance, intoxicant or narcotic
9) engaging in an illegal occupation, a riot or insurrection or any form of public disturbance or an act of declared or undeclared war
10) normal pregnancy and childbirth
11) any type of opportunistic infection or sickness if you have Acquired Immune Deficiency Syndrome (AIDS) and/or have tested positive for Human Immunodeficiency Virus (HIV or any subtypes) or had symptoms which were diagnosed or manifested themselves prior to your effective date of coverage
12) Subjective Conditions: including, but not limited to, chronic fatigue syndrome, chronic pain syndrome, fibromyalgia, Epstein Barr syndrome or any other subjective syndrome or condition;
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13) mental disorders and substance use disorders: any psychiatric, psychological or emotional disorder including but not limited to, depression, anxiety, stress, burnout, or any mental disorder or substance use disorder.
Such disorders include psychotic, emotional or behavioral disorders and disorders related to substance abuse or dependency.
14) service in the Armed Forces or other military organization.
Pre-existing Condition
Benefits are not payable for any Disability that begins within the first 12 months of either the effective date of coverage or the latest reinstatement date if the Disability results directly or indirectly, from a Pre-Existing Condition.
A Pre-existing Condition means any injury in respect of which, at any time during the 12 months prior to the effective date or latest reinstatement of coverage, you consulted, received advice, took prescribed medication, or incurred any health related expenses on the advice of a physician or health care practitioner, or, a reasonably prudent person with such symptoms would have consulted a physician or health care practitioner.
Limitations
Back and neck injuries are required to be substantiated by diagnostic medical tests to qualify for Benefits.
Soft Tissue Injuries are limited as follows.
For each period of Disability based on your occupational class:
Class B = 40 days, Class A = 60 days. Once you've received payments for a total of 180 days no further payments will be made for Soft Tissue Injuries.
Soft Tissue Injury means a contusion, a Sprain or a Strain, and also includes tendonitis, carpal tunnel syndrome, bursitis and plantar fasciitis (see policy booklet for complete listing)
Sprain means a joint injury in which some fibers of a supporting ligament are ruptured, but the continuity of the ligament remains intact. Strain means an injury to a muscle caused by over-stretching or over-exertion.
Degenerative disc disease is deemed a diseases or sickness. If you purchased illness coverage, benefits will be limited to 20 days per period, up to a lifetime maximum of 120 days, for disability that results directly or indirectly from degenerative disc disease.
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Pre-Existing Medical Condition Exclusion (applicable if you are 65 years of age or older)
In addition to the General Exclusions outlined below, this insurance does not pay for any expenses incurred directly or indirectly as a result of:
1 Your medical condition or related condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip, your medical condition or related condition has not been stable.
2 Your heart condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip:
a) any heart condition has not been stable; or
b) you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
3 Your lung condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip:
a) any lung condition has not been stable; or
b) you have been treated with home oxygen or taken oral steroids (prednisone or prednisolone) for any lung condition.
FURTHER (applicable to all ages)
In addition to the exclusions outlined above under "Pre-Existing Medical Condition Exclusion," this insurance does not cover any loss, claim or expense of any kind caused directly or indirectly from:
1 The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment of that condition during your trip, if the medical advisors of Assured Assistance Inc. or RBC Insurance Company of Canada determine that you are medically able to return to your home country and you choose not to return.
2 The treatment of any heart or lung condition, following emergency treatment for a related or unrelated heart or lung condition during your trip, if the medical advisors of Assured Assistance Inc. or RBC Insurance Company of Canada determine that you were medically able to return to your home country and you chose not to return.
3 Your intentional self-inflicted injury, suicide or attempt to commit suicide (whether sane or insane).
4 Your commission of a criminal act or your direct or indirect attempt to commit a criminal act.
5 Any medical condition arising from, or in any way related to, your chronic use of alcohol or drugs whether prior to or during your trip.
6 Your abuse of medication, drug or alcohol or deliberate non-compliance with prescribed medical therapy or treatment whether prior to or during your trip.
7 Your mental or emotional disorders.
8 Any treatment that is not emergency treatment.
9 Your participation as a professional athlete in a sporting event.
10 Your participation in rock climbing or mountain climbing.
11 Your participation in a motorized race or motorized speed contest.
12 Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment, surgery, investigations, palliative care or alternative therapy of any kind, regardless of whether the treatment, surgery, investigations, palliative care or alternative therapy is related in any way to the medical condition,
13 A medical condition for which future investigation or treatment (except routine monitoring) is planned before your effective date.
14 A medical condition for which it was reasonable to expect treatment or hospitalization during your trip.
15 a) Routine pre-natal care,
b) a child born during your trip,
c) pregnancy, childbirth or complications of either, occurring in the 9 weeks before or after the expected date of delivery
16 Symptoms which would have caused an ordinarily prudent person to seek treatment or medication in the 90 days before your effective date.
17 Treatment or surgery for a specific condition, or a related condition, which:
a) had caused your physician to advise you not to travel; or
b) you contracted in a country during your trip when, before your effective date, a written formal travel warning was issued by the Department of Foreign Affairs and International Trade of the Canadian government, advising Canadians not to travel to that country, region or city.
18 Any portion of the benefits that require prior authorization and arrangement by Assured Assistance Inc. if such benefits were not pre-authorized and arranged by Assured Assistance Inc.
19 Any medical condition, if the medical advisors of Assured Assistance Inc. recommend that you return to your country of residence following your emergency treatment, and you chose not to return.
20 War (declared or not), act of foreign enemies or rebellion.
21 Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.
Coverage does not apply if loss is caused by or resulting from any one or more of the following:
A. Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane;
B. For sickness or disease either as a cause or effect;
C. Participating in the commission or attempted commission of a criminal of felonious act;
D. Expenses incurred by an insured person who is not covered under any Federal or Provincial Hospital Plan;
E. Injury or loss sustained while the Insured Person is under the influence of alcohol and operating any Vehicle while his or her blood alcohol is over eighty (80) milligrams in one hundred millilitres of blood;
F. Experimental medical treatments;
G. For the purchase, repair or replacement of eyeglasses or contact lenses or prescriptions thereof;
H. Experimental drugs not approved by Drugs Directorate, Health Protection Branch of Health and Welfare Canada of patent medicines;
I. Injury or Loss sustained while the Insured Person is under the influence of a controlled substance as specified under the Controlled Drug and Substances Act (Canada) unless taken pursuant to the advice of an in strict accordance with the instructions of a duly licensed Physician;
J. Expenses covered under any governmental health insurance plan in the insured's province of residence;
K. Declared or undeclared war or any act thereof;
L. Accident occurring while the Insured Person is serving on full-time active duty in the Armed Forces of any country or international authority (any premium paid to be returned by the Company pro-rata for any such period of full-time active duty);
M. Such insurance includes such injury while the Insured Person is riding as a passenger (but not as a pilot, operator or member of the crew) in or on, boarding or alighting from any aircraft and exclude while flying in any aircraft owned or operated by the Policyholder.
With respect to air travel, the insurance afforded shall apply to loss caused by or resulting from travel or flight in any aircraft, or any other device for aerial navigation, including boarding or alighting therefrom, except:
(a) while being used for any test or experimental purpose; or
(b) while the Insured Person is operating, learning to operate or serving as a member of the crew thereof; or
(c) while being operated by or for or under the direction of any military authority, other than transport type aircraft operated by the Canadian Armed Forces Air Transport Command or the similar air transport service of any other country; or
(d) any such aircraft or device which is owned or leased by or on behalf of the Policyholder or any subsidiary or affiliate of such Policyholder, or by an Insured Person or any member of his/her household; or
(e) while being used for fire fighting, pipeline inspection, power line inspection, aerial photography or exploration.
This is a brief summary of general exclusions only. Please review your policy contract when purchased for complete coverage details.
1Subject to 2 qualifying questions
2The first $10,000 or 365 days (whichever is first to occur) provided under the Loss of Income Coverage. $100,000 maximum, up to 3 years from the date of the accident is provided under the Accidental Death and Dismemberment Coverage. This benefit not applicable to Spouses and/or Dependent Children where family coverage has been selected.
3Key definitions apply to the Loss of Income Coverages provided by RBC Life Insurance Company only.
ACCIDENTAL DEATH & DISMEMBERMENT LOSS SCHEDULE
If an injury results in any one of the following specific losses within one year from the date of the accident, the insurer will pay the benefit specified below. The Principal Sum amount is the amount you selected at time of purchase, $300,000 or $500,000. Not more than one (the largest) benefits will be paid as a result of all injuries from one accident.
| Loss of Life .................................................................................... |
The Principal Sum |
| Loss of Both Hands or Both Feet ................................................... |
The Principal Sum |
| Loss of Use of Both Hands or Both Feet ....................................... |
The Principal Sum |
| Loss of Entire Sight of Both Eyes ................................................... |
The Principal Sum |
| Loss of One Hand and One Foot ................................................... |
The Principal Sum |
| Loss of Use of One Hand and One Foot ........................................ |
The Principal Sum |
| Loss of One Hand and Entire Sight of One Eye ............................. |
The Principal Sum |
| Loss of One Foot and Entire Sight of One Eye ............................... |
The Principal Sum |
| Loss of Speech and Hearing in Both Ears ...................................... |
The Principal Sum |
| Quadriplegia .................................................................................. |
The Principal Sum |
| Paraplegia ..................................................................................... |
The Principal Sum |
| Hemiplegia .................................................................................... |
The Principal Sum |
| Loss of One Arm or One Leg ......................................................... |
Three-Quarters of The Principal Sum |
| Loss of Use of One Arm or One Leg .............................................. |
Three-Quarters of The Principal Sum |
| Loss of One Hand or One Foot ...................................................... |
Three-Quarters of The Principal Sum |
| Loss of Entire Sight of One Eye ..................................................... |
Three-Quarters of The Principal Sum |
| Loss of Speech or Hearing in Both Ears ........................................ |
Two-Thirds of The Principal Sum |
| Loss of Thumb and Index Finger of One Hand ............................. |
One-Third of The Principal Sum |
| Loss of Use of Thumb and Index Finger of One Hand .................. |
One-Third of The Principal Sum |
| Loss of Four Fingers of Either Hand .............................................. |
One-Third of The Principal Sum |
| Loss of Use of Four Fingers of Either Hand .................................. |
One-Third of The Principal Sum |
| Loss of Hearing in One Ear .......................................................... |
One-Third of The Principal Sum |
| Loss of All Toes of One Foot ........................................................ |
One-Quarter of The Principal Sum |
| Loss of Use of All Toes of One Foot ............................................. |
One-Quarter of The Principal Sum |
This is a brief overview of the Benefits, providing some key definitions, exclusions and limitations only. A complete policy booklet will be issued once coverage is purchased, and we suggest you review for details on all policy provisions when received.
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