BCCA Spring 2016.indd - BCCA Employee Benefits

Are your beneficiaries up to date?
When your life changes, for instance through a divorce, marriage or
birth of a child, one of the last things that may be on your mind is who’s
listed as a beneficiary on your life insurance policy. To make sure that your final
wishes are carried out, it is recommended to review beneficiaries on any policies
every few years.
Website Improvement - www.bccabenefits.ca
Our refreshed website will go live on Wednesday, May 18. Our website address will remain the
same, though you may need to update some bookmarks or links. We will have a dedicated section
for Employees like you to be able to find information in one convenient place. For any feedback
or questions on the new website, please contact [email protected]
Medication Synchronization
Getting in sync: Improving adherence through medication
synchronization
Medical Synchronization has arrived in Canada and those suffering from
chronic conditions can benefit from this service now offered at some
pharmacies. Find out more about synchronizing your medications at
http://bit.ly/1Tu05ok
Important Notice - ACE INA & Chubb are now one
ACE has acquired Chubb, creating a global insurance leader
operating under the renowned Chubb name. Chubb in Canada
currently operates as ACE INA Insurance, ACE INA Life Insurance
and Chubb Insurance Company of Canada.
ACE INA is responsible for our Accidental Death & Dismemberment,
Critical Illness, Final Expense and Hospital Cash insurance, as well as
the Everest Funeral Planning and Concierge Service.
ACE INA Life Insurance will be changing its legal name later in 2016.
For more information visit: www.new.chubb.com
Benefit Change Notice to Group Critical Illness Insurance
We are pleased to announce that there are improvements to Group Critical Illness policies. The
impact of a critical illness diagnosis can be devastating, so based on feedback from clients we have
developed the following improvements in coverage.
• A Cancer Recurrence benefit
• Loss of Independence is a covered condition now paid at 100% of the principal sum.
• Partial Benefit payments will no longer reduce an eligible principal sum payment.
• Simplified conversion option without evidence of insurability
Claims with a diagnosis date of April 1, 2016 or later will be
adjudicated including these benefits if applicable. More information
attached if applicable.
Benefit Change Notice to Your
Critical Illness Insurance
Chubb and ACE are now one.
ATTENTION PLAN MEMBERS:
We are pleased to announce that we have made improvements to your Group Critical Illness policy.
The impact of a critical illness diagnosis can be devastating, so based on feedback from our clients we
have developed the following improvements in coverage.
Effective April 1, 2016 your critical illness policy includes the following:
•
A Cancer Recurrence benefit
•
Loss of Independence is a covered condition now paid at 100% of the principal sum.
•
Partial Benefit payments will no longer reduce an eligible principal sum payment.
•
Simplified conversion option without evidence of insurability
Claims with a diagnosis date of April 1, 2016 or later will be adjudicated including these benefits if
applicable.
INSURED CONDITIONS AND PARTIAL BENEFITS DEFINITIONS
Cancer Recurrence means that if the Insured has already been diagnosed with Cancer and, while
insured, a new diagnosis of Cancer is made, a benefit will be paid, subject to all the policy terms and
provisions, if the following conditions have been met:
a) More than 60 months have passed since the previous cancer diagnosis; and
b) No treatment relating directly or indirectly to cancer has been received within that 60 month period.
Treatment does not include preventive medications and follow up visits to the doctor.
Loss of Independence means the definitive diagnosis by a licensed Physician of either:
a) being totally and permanently unable to perform, by oneself, at least 2 of the 6 Activities of Daily
Living or; b) cognitive impairment.
A mental or nervous disorder without a demonstrable organic cause is not covered. Loss of Independence
must persist for at least ninety (90) days from the date of the diagnosis
Partial Benefits are not deemed to be covered conditions, nor do they fall under the category of covered
conditions for the purposes of the Second Event Benefit. Payment of a partial benefit does not reduce
eligible payment of a principal sum. Each partial benefit is payable only once.
Conversion: Within 31 days following employment termination, an insured may transfer his insurance
to an individual policy of ACE. The individual policy will be effective either as of the date that ACE
receives the application or on the date that coverage under the group policy ceases, whichever occurs later.
The premium will be the same as an insured would ordinarily pay when applying for an individual policy
at that time. Application for an individual policy may be made at any office of ACE. The amount of
Critical Illness insurance benefit converted to shall not exceed that amount issued during employment up
to an all policies combined maximum of $25,000. The individual policy will cover the same conditions as
those available under the group policy currently in force.
Chubb in Canada operates as ACE INA Insurance, ACE INA Life Insurance (ACE) and Chubb Insurance Company of
Canada. Chubb provides accident & health, commercial property, casualty and personal lines insurance products and
services throughout Canada. For more information visit: new.chubb.com
Published 02/2016
1
Avis de modification des prestations concernant
votre assurance maladies graves
Ace et Chubb : une seule société.
À L’ATTENTION DES PARTICIPANTS AU RÉGIME :
Nous avons le plaisir de vous annoncer que nous avons apporté des améliorations à votre police
d’assurance collective maladies graves. Les effets d’un diagnostic de maladie grave peuvent être
dévastateurs. Donc, en nous fondant sur les commentaires reçus de nos clients, nous avons apporté
les améliorations suivantes à notre protection.
À compter du 1er avril 2016 votre police d’assurance maladies graves comprendra ce qui suit :
•
•
•
•
Une prestation pour la récurrence d’un cancer.
La perte d’autonomie est désormais une condition couverte payable à 100 % du capital assuré.
Les paiements de prestations partielles ne réduiront plus un paiement admissible du capital assuré.
Option de conversion simplifiée sans preuve d’assurabilité.
Les réclamations pour les diagnostics portant la date du 1er avril 2016 ou après seront réglées en
tenant compte de ces prestations, le cas échéant.
DÉFINITIONS DES CONDITIONS ASSURÉES ET DES PRESTATIONS PARTIELLES
« Récurrence d’un cancer » signifie que si l’assuré a déjà reçu le diagnostic d’un cancer et reçoit un
nouveau diagnostic de cancer pendant qu’il est assuré, une prestation sera payée, sous réserve de
toutes les modalités et les clauses de la police, si les conditions suivantes sont respectées :
a) Plus de 60 mois se sont écoulés depuis le diagnostic de cancer précédent, et
b) Aucun traitement directement ou indirectement lié au cancer n’a été reçu pendant cette période de
60 mois.
Les traitements ne comprennent pas les médicaments préventifs et les visites de suivi chez le médecin.
« Perte d’autonomie » signifie un diagnostic définitif de la part d’un médecin accrédité de soit :
a) une incapacité totale et permanente d’effectuer par soi-même au moins 2 des 6 activités quotidiennes, ou
b) une déficience cognitive.
Les troubles mentaux ou nerveux sans cause organique objective ne sont pas couverts. La perte
d’autonomie doit durer pendant au moins quatre-vingt-dix (90) jours après la date du diagnostic.
Les prestations partielles ne sont pas considérées comme des conditions couvertes et ne font pas non
plus partie de la catégorie des conditions couvertes aux fins des prestations de deuxième sinistre. Le
paiement d’une prestation partielle ne réduit pas le paiement admissible du capital assuré. Chaque
prestation partielle n’est payable qu’une seule fois.
Conversion : Dans les 31 jours qui suivent une cessation d’emploi, l’assuré peut transférer son
assurance à une police individuelle d’ACE. La police individuelle entrera en vigueur, soit à partir de la
date où ACE reçoit la demande, soit à la date où la protection dans le cadre de la police collective prend
fin, la plus tardive de ces dates. La prime sera la même que celle qu’un assuré aurait normalement payée
en présentant une demande pour une police individuelle à ce moment-là. La demande d’une police
individuelle peut être effectuée à n’importe quel bureau d’ACE. Le montant des prestations en cas de
maladies graves converti ne doit pas dépasser le montant assuré pendant l’emploi, jusqu’à un maximum
combiné de 25 000 $ pour toutes les polices. La police individuelle couvrira les mêmes conditions que
celles couvertes par la police collective actuellement en vigueur.
Au Canada, Chubb exerce ses activités sous les appellations Assurance ACE INA, Assurance Vie ACE INA (ACE) et
Chubb du Canada Compagnie d’Assurance. Chubb offre des produits et services d’assurance sur les biens
commerciaux et risques divers, d’assurance vie, accidents et santé partout au Canada. Pour en savoir plus, visitez la
page new.chubb.com/fr/ca.
Publication : février 2016
1