Who does the term "spouse" include? The term "spouse" includes:
• A person who is married to an eligible Canadian Armed Forces (CAF) member; or
• A person living with an eligible CAF member for whom a written declaration of common law status has been filed with SISIP Financial.
Who can submit an application for SDP? A CAF member or a former member can apply for coverage either for a "spouse" or, under specific circumstances, for oneself.
Can I maintain the coverage on my former spouse? Yes. You can maintain coverage on a former spouse provided that:
• The coverage was acquired while the former spouse was your spouse. In the case of a common law spouse, you must have resided with that person for at least 12 consecutive months;
• There are dependent children for which you have a legally enforceable financial responsibility; and
• You don't maintain coverage for another spouse.
How do I apply? By completing and submitting an application form to a SISIP Financial Advisor or to SISIP Financial Head Office/Customer Service, at the address indicated on the application form. You can get a form in any of our SISIP Financial offices, by calling 1-800-267-6681, or you can download the form. (pdf. format).
Do I have to provide evidence of insurability? Yes, by completing the appropriate section of the application form titled "Medical History". It should be noted that a medical examination may be requested by Manulife the Insurer.
What are the premiums and how do I pay them? Premiums for the SDP are age-banded and increase in five-year increments as indicated on the application form. If you are a Regular Force member, the premiums are paid through pay allotments. However, if you are a reservist, a former member, or a member on leave without pay, you pay the premiums directly to the Insurer, Manulife, by monthly Electronic Fund Transfers (EFT), or by sending one cheque covering the annual premium.
Once I have applied, when is the SDP coverage effective? The insurance coverage is effective on the date of approval by the Insurer, Manulife.
What does the term "totally disabled" mean? It means that an insured person:
• Has a severe and prolonged diagnosable disease, injury or health condition, for a period of at least six consecutive months, as confirmed by an attending medical specialist;
• Has been prescribed the appropriate treatments, medications and/or aids; that they have been taken and used properly and that they failed to produce sufficient improvement of the impairment(s) to alleviate the total disability; and
• Has Impairment(s) that are expected to last a minimum of a further twelve consecutive months, based on the application of established medical guidelines that leads reasonably to this conclusion, with the result that:
1. where the impairment is a physical impairment:
(a) you are unable to engage in all of the activities listed in two or more of the "Activity Categories" such as:
- Category A: personal care - eating, dressing, and personal hygiene;
- Category B: mobility - the ability to walk, using an aid, if necessary, at least 50 m on level ground; and
- Category C: household activities - childcare, home care, and food preparation, or
(b) you are rendered a paraplegic, quadriplegic, or hemiplegic; and,
2. where the impairment is of psychiatric nature:
(a) you are unable to understand and process information that is relevant to making a decision concerning your own health care, nutrition, shelter, clothing, hygiene, financial affairs, and are unable to appreciate the reasonably foreseeable consequences of a decision or lack of decision; and
(b) the mental impairment meets the diagnostic criteria for a mental condition recognized by the DIAGNOSTIC AND THE STATISTICAL MANUAL OF MENTAL DISORDERS - most current edition.
Who can be a claimant?
Based on the above definition of "totally disabled", if it is believed that an insured person may qualify for benefits; a claim
must be filed for adjudication within 120 days from the date the attending medical specialist signs the Attending Physicians Statement confirming the total disability.
What is the amount of benefit? The plan provides the insured person a one-time lump sum benefit of $100,000.
Are the SDP benefits taxable? No.
Can the benefits be assigned? No. Benefits can't be assigned, alienated, encumbered, or commuted under this Policy.
What are the limitations and exclusions of SDP? No benefit is payable for a disability:
• Commencing during the first twelve months of coverage from disease, injury or health condition for which you consulted a physician within the 24-month period immediately prior to submitting an application;
• Resulting from substance abuse including, but not limited to, alcoholism and drug addiction;
• Resulting from committing or attempting to commit or, participating in the commission of a criminal offense;
• Resulting from a self-inflicted injury or disease, or attempted self-destruction unless medical evidence establishes that the injuries are related to a mental health illness;
• For which there is no clear objective medical evidence to confirm and identifiable underlying disease, injury or health condition; or,
• Within 3 years of the denial of a claim for the same cause.
When does the insurance coverage terminate? SDP coverage terminates automatically on the earliest of the following dates:
• The 65th birthday;
• The date an insured becomes a member of the Regular Force or Primary Reserve Force on Class A or B or C reserve service;
• The end of the term for which the premium has been paid;
• The date when SISIP Financial or the Insurer, Manulife, receive written notice from a member requesting termination;
• The date an insured ceases to be a spouse, unless covered as a former spouse;
• For a former spouse, the date the member insures a new spouse under this Policy;
• The date benefits are paid under this Policy; or,
• The date of termination of this Policy.
Please note that in the case of conflict between the information on this page and the insurance contract Policy No. 901107, the terms of the English contract will prevail. The documents posted on this website are provided for reference purposes only and shall not be considered to be definitive.