Associate Insurance Coverage

Your insurance coverage includes the following:

Double-Up Coverage
Optional Graduate Upgrade Coverage
Basic Life $200,000
(includes WOP)
(includes WOP and FIG)
Accidental Death & Dismemberment $200,000 $500,000
DisabilityGuard™ Insurance $2,000/month

(includes 90-day elimination period, COLA and Own Occ)

(includes 30-day elimination period, COLA, FIG and Own Occ)
TripleGuard™ Insurance $15,000 associate coverage OR
$50,000 standard coverage
$15,000 associate OR
$50,000 standard coverage

BL, AD&D and DisabilityGuard™ Insurance are underwritten by The Manufacturers Life Insurance Company (Manulife), PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B3. TripleGuard™ Insurance is underwritten by Aviva Insurance Company of Canada.


Understanding Your TripleGuard™ Options

As a student, your TripleGuard™ dental tools coverage insured you for theft or damage from dropping your instruments.  This dental tools coverage will expire on December 31, 2019, unless you upgrade your coverage prior to the end of the year.

You have two choices:
(a) $15,000 of Associate TripleGuard™ coverage or
(b) $50,000 of standard TripleGuard™ coverage.

You’ll need to complete the activation form and whatever coverage you choose will be no cost until December 31st. On January 1, 2020,  this coverage will continue automatically if you pay the premium, which will be 50% less than regular premiums for three calendar years.


WOP — Waiver of Premium Option: You don’t pay premiums for DisabilityGuard™ or Life coverage if you are totally disabled for the required length of time.

COLA — Cost of Living Adjustment Option: Increases your benefit each year during a period of disability by the increase in the Consumer Price Index (to a maximum of 8 per cent annually).

FIG — Future Insurance Guarantee Option: Increase your Life or DisabilityGuard™ insurance by specific amounts without additional evidence of good health.

Own Occ — Own Occupation Definition: Allows you to receive disability benefits even if you are able to earn income from a new occupation that you weren’t engaged in immediately prior to becoming disabled.

Note: Medical underwriting is required for the Optional Graduate Package. Conditions, limitations and exclusions apply. See policy for details.


Looking to upgrade?

You have until December 31st to submit your application to qualify for additional coverage.
Apply now

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