PROTECT EVERYTHING YOU'VE WORKED SO HARD FOR.
It's your most valuable asset - your ability to work and earn a living. Yet more than half of working Canadians have not purchased Disability insurance to protect this asset, perhaps simply hoping nothing will ever happen to them. While none of us wish to contemplate misfortune, the truth is that disability has no respect for age, gender, occupation or position when it strike unexpectedly through sudden illness or accident.
Why you need it:
Disability Insurance should be the number one priority in terms of benefit protection because, unless a person is very wealthy, one cannot normally self-insure the ability to work. Although many people think first about dental insurance, for example, because of an impending expense for major dental work, a much sounder approach is to have Disability Insurance in place first, and if necessary, finance over time any infrequent major expense. It just makes sense to protect the asset that’s most valuable - your ability to earn an income makes possible all the other elements of your life.
An affordable solution:
The primary concern of most people is their ability to meet their ongoing financial obligations in the event of temporary or long term disability. How would you or you and your family survive financially if you became disabled and unable to work?
The enVia Disability / Income Protection Program can help you meet your protection needs at a reasonable & competitive cost, while providing you and your loved ones with comprehensive protection against loss of income due to illness injury or death.
No medicals required:
No medical examinations are required. Instead, satisfactory Health Evidence is required in the form of a Personal Health Declaration, and a separate Health Statement for the Critical Illness. All such information is confidential, shared only among the Program Administrator and Insurers/Service Providers.
YOU CHOOSE THE COVERAGE THAT MEETS YOUR PERSONAL NEEDS:
The Program is modular in design, allowing you to purchase the entire program as one, all-encompassing "umbrella", or any of the individual component benefits based on your needs.
A weekly income TTD benefit of 66.7% of weekly earnings up to $1,500/week for a maximum duration of 24 months, following a 30 day waiting period. The benefit payable is not reduced by any disability benefits for which you may be eligible from the C/QPP or E.I. The benefit may be purchased to provide protection for disabilities resulting from an accident only, or as the result of an injury or illness. Maximum benefit of $1,500 per week. Subject to insurer’s approval of a Personal Health Statement.
Provides a lump sum, tax-free benefit equal to 5 X gross annual earnings (up to a maximum of $500,000) in the event that you are “permanently and totally” disabled after 25 months, and unable to “engage in any occupation or employment for which you are fitted by reason of education, training or experience for the remainder of your life”. Once PTD is determined, the lump sum payment is made and no further ongoing proof of disability is required as is the case under a traditional plan. Subject to insurer’s approval of a Personal Health Statement.
A lump sum, tax-free benefit of up to $500,000 payable in the event of accidental death or dismemberment, paralysis, loss of use, loss of vision, hearing, etc. This benefit is payable in addition to any benefits payable under the TTD and PTD benefits. Provides 24 hour, 365 days per year coverage, available in units of $50,000 up to a maximum of $500,000. No health evidence is required.
Peace of mind for you and your dependents. Participants may purchase Optional Perament Pay Limited Life Insurance in units of $25,000 or $50,000. Fully paid for in 20 years, coverage remains in force for life. Evidence of Insurability form must be approved by Insurer.
ALSO AVAILABLE:
Maximize your chance of a full and fast recovery from the most life-threatening illnesses, including cancer and heart disease.
XN Global® Preferred Care is an innovative, low-cost approach to critical illness coverage that dedicates a deductible-free $2 million limit for access to the world’s foremost surgeons and health facilities.
XN Global® Preferred Care provides specialist critical illness services and financial protection uniquely different from, but complementary to, local private medical or national health service entitlements.
A new level of protection:
XN Global® Preferred Care is an optimized outcome program which specializes in helping people recover from the world’s most life threatening critical illnesses - providing its members with quality controlled access to the best proven treatment solutions for these conditions.
The Big Six:
XN Global® Preferred Care covers the critical illness treatments that are most likely to be needed:
* Cancer
* Heart surgery for coronary by-pass, valve replacement or repair
* Intervention to open narrowed coronary arteries
* Neurosurgery for tumors or vascular repair
* Major vascular surgery
* Major organ transplants
By specializing in the most common life-threatening illnesses, XN Global® Preferred Care delivers best practice where it matters most.
XN Global® Preferred Care is different:
Healthcare is too often characterized by long waiting times, incorrect treatment, low levels of specialization and minimal patient involvement, while traditional insurance solutions prioritize fast treatment at a low cost. XN Financial is focused exclusively on offering its members the best possible care and outcome.
XN Global® Preferred Care begins by considering the patient’s needs and preferences, resulting in a comprehensive and quality controlled treatment plan not constrained by local thinking or cost considerations. Supplementing the patient’s existing healthcare and insurance alternatives, the program is supported by an insurance plan specifically designed to pay for the world’s most effective critical illness diagnostic support and treatment from specialist centres in the USA.
XN Global® Preferred Care has an entirely quality focused approach with the single aim of getting the best outcome for patients.
Invaluable services set XN Global® Preferred Care apart:
The Proactive Recovery Process
A detailed process designed to get the best outcome for each of our members:
Your Personal Care Manager
- Disease-specific training
- Expert in process management
Diagnosis Evaluation
- 50% of all diagnoses are wrong, 90% of treatment plans change as a result
- We call on top specialists to make sure it’s right
Detailed treatment plan
- Working with the patient and the patient’s local doctors, we develop the best reatment plan
Treatment in the US, Recovery at home
- If the patient decides to travel, the Care Manager arranges it all - travel, treatment, quality control
All bills paid directly
- No paperwork or reimbursement issues
Click here to download a PDF Brochure & Application Form
Inside you'll find full Program details & information, rates and instructions on how you can quickly apply for coverage.
Questions? Need additional information?
We're here to help! Please Contact Us:
