Living Benefit plans are designed to protect your ability to earn an income/savings and cover unforeseen expenses resulting from a major medical illness or accident.
If you are unable to work due to an illness or injury:
How will my income be affected?
How will my current standard of living be affected?
Am I covered through work? Adequately?
Will my retirement plans continue?
LONG TERM DISABILITY (LTD)
Monthly income replacement if unable to work due to illness or injury.
CRITICAL ILLNESS (CI)
Lump sum payment resulting from the diagnosis of a (specified) major medical illness.
