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Our expectations of firms operating in this market have been published on several occasions and the questions used in the mystery shopping relate to ICOB and TCF requirements for a PPI sale. Our standard for each issue is therefore 100% compliance and is illustrated in the following diagram by the solid blue line around the outside of the chart. Findings against each question have been plotted on the diagram, the solid line joins up the average result of all the shops (as a percentage). For example, in 92% of shops the shoppers answered ‘yes’ to the question ‘Did the salesperson say that PPI was optional?’. | This guide is designed to help you understand disability insurance and explain what your options are for income replacement in the event you become disabled. More information - and help - is available from your insurance agent insurance company or group benefits administrator. Canadian Life and Health Insurance Association Inc. Association canadienne des compagnies d assurances de personnes inc. TABLE OF CONTENTS 1. THE BASICS.2 What is disability insurance .2 Why should you purchase disability insurance .2 2. SOURCES OF DISABILITY INSURANCE.3 Who provides disability insurance .3 3. TYPES OF DISABILITY INSURANCE.3 Individual plans.3 Noncancellable.3 Guaranteed renewable.3 Commercial.3 Group insurance plans.4 Sick leave. .4 Short Term Disability STD .4 Long Term Disability LTD .4 Administrative Services Only plans.5 Association plans. 5 Disability Insurance for the Self-Employed.6 Special purpose plans. 6 Auto insurance.6 Creditor s insurance.6 Dismemberment coverage.7 Critical illness. .7 Long term care.7 Travel insurance.7 Life insurance.8 Other specialized products.8 Veterans benefits.8 Foreign coverage.8 Government programs.8 Workers Compensation.8 Employment insurance.8 Canada Quebec Pension Plans C QPP .8 4. CALCULATING YOUR DISABILITY INSURANCE NEEDS.10 What you should consider.10 Working it out.10 A. What you need.10 B. What you have.12 C. Is there Other Money You Could Draw on .13 The Bottom Line.13 5. HOW TO APPLY FOR DISABILITY INSURANCE.14 Applying for group coverage.14 Applying for individual coverage.14 6. QUESTIONS TO ASK ABOUT YOUR DISABILITY COVERAGE.15 All plans.15 X Group or association coverage.15 Table of Individual coverage.15 Contents 7. FILING A CLAIM .16 What you need to do . 16 The role of your doctor . 16 The role of the insurance company . 16 Your right to appeal . 16 8. CONSUMER INFORMATION.17 Consumer Protection.17 Consumer Assistance.17 Canadol. nces and Health Insurance de reonnes inc. Association Inc. YOU Told US What YOU Want to .
