April 15, 2020
Dear TripleGuard™ Client,
We’re pleased to let you know that Aviva Insurance Company of Canada (Aviva) is ready to begin processing pandemic claims for dentists in the Northwest Territories under the TripleGuard™ insurance policy.
I’d like to thank the President of the NWT/NU Dental Association, Dr. Roger Armstrong, for all his efforts in working with CDSPI and the government, to bring this matter to successful conclusion on behalf of dentist policyholders in the region.
Some of the details of what you will need to provide to Aviva during the claims process are set out below.
About Your Pandemic Coverage
Although the TripleGuard™ Pandemic Outbreak Extension policy wording is consistent across Canada, each claim will be assessed by Aviva on an individual basis.
1. Provincial Government Order
Aviva has clarified that the pandemic coverage is activated when there is an order in place by a provincial/territories government to shut down non-essential services. This is not the date of any instruction from your respective dental associations or colleges, rather the government order.
Please be aware that your policy contains a 24hr deductible, therefore actual financial loss will be calculated from the Provincial/Territories Order date + 24 hrs.
The effective date that will be used to trigger the pandemic insurance coverage for the Northwest Territories is March 23, 2020.
2. Your Individual Circumstances
As is the case with any insurance claim, Aviva will require documentation as to the loss you have incurred.
Aviva normally pays a lump sum benefit once the aggregate limit is met; however, each situation is unique and you may discuss interim payment options with your Aviva adjuster once they have reviewed all of the required documentation.
Next Steps
If you have already submitted your initial claim information, you will be contacted by an Aviva adjuster to outline the information needed to progress your claim. It will help move things along if you are prepared to provide:
- Financial statements for your practice for the year ended December 31, 2019 or for your most recent year end. If your year end is prior to December 31, 2019 or if you have a new practice, then you should provide those statements and reports you have available that pertain to the period prior to closure.
- If you have provided emergency work during the closure, information of weekly earnings from the point of closure to present.
- Other information may be required – the Aviva adjuster will let you know if that is the case for you.
- You will be asked to provide this information to the Aviva adjuster once they reach out to you about your claim.
If you have not already submitted your initial claims information form, please call us at 1.800.561.9401 or email claims@cdspi.com.
We recognize this is a difficult time for all and appreciate that your business has unfortunately been affected by this situation. CDSPI and Aviva are committed to working together to ensure we operate in an efficient manner and resolve your claim as quickly as possible. This situation is unprecedented, and we appreciate your patience as Aviva adjusters begin the process this week to reach out to each of you individually.
Please visit cdspi.com/covid19 for the latest COVID-19 related updates.
Be well and stay safe.
Ed Dermit
President