- Over half of working Canadians believe that the financial impact of a critical illness would be very serious for themselves or their partner. The top concerns are loss of income and inability to meet living expenses.
- To cope financially, over 8 million working Canadians (62%) would need to delay retirement, get into debt, or downsize their home. The most common strategy is cutting back on expenditures.
- If a partner became critically ill, over half (55%) of working Canadians would need to continue working to cope financially.
Wellness Program Selection & IntegrationBarbara Wall
The document discusses selecting and integrating wellness programs into client health promotion initiatives. It outlines the benefits of including health promotion, describing wellness programs as identifying health risks and promoting healthy behaviors. It also discusses measuring the success of programs through metrics like participation rates and health risk assessment results. The key is tailoring programs to the target population and supporting programs with communication campaigns and executive sponsorship.
This Infographic gives an overview of the situation, explaining why surviving a critical illness can be financially devastating.
Read more: www.genre.com/knowledge/blog/critical-illness-insurance-fast-facts-en.html
This document discusses the high costs of medical bills in the United States and how most Americans lack sufficient savings to cover unexpected expenses. Over half of Americans do not have enough savings to cover a $1000 medical bill or car repair. Medical bills are the leading cause of personal bankruptcies, even for those with health insurance. While health insurance covers direct medical costs, it does not cover indirect costs like lost wages. The best choice to protect against these costs is supplemental accident and health insurance that pays benefits directly to policyholders.
Insights into the importance of healthcare planning and how financial advisory firms can get started today. Connect with us today at www.caribouwealth.com
This document discusses severe illness insurance and the risks of various illnesses. It notes that heart disease is a leading cause of death worldwide. In South Africa, 1 in 3 men and 1 in 4 women will suffer from cardiovascular disease before age 60. There is also discussion of risks of stroke, cancer, and other illnesses. The document then introduces the Greenlight Illness Benefits insurance plan, which provides financial protection for the costs of surviving illnesses through lump sum payouts. Key aspects of the Greenlight plan include benefits for severe illnesses, extensive illnesses, and coverage for children.
This document provides information about family caregivers in Canada. It defines a caregiver as someone who provides informal care for a family member with long-term illness, disability, or age-related needs. Most caregivers are women and have been providing care for over a year. Common types of care include elder care for parents and care for a spouse with a health condition. Caregiving can cause stress due to effects on employment like lost hours or benefits, financial hardship, and less time for family. The number of caregivers is expected to rise as the population ages.
The document discusses the challenges facing Medicare as the population of elderly Americans grows dramatically. By 2030, Medicare enrollment is expected to increase by 48% to 80 million people, greatly straining its resources. Additionally, half of seniors have prediabetes and one-third have heart disease, two very expensive chronic conditions to treat. The growth of chronic diseases threatens Medicare's long-term sustainability unless innovative solutions are found to engage seniors in preventive healthcare and reduce disease risks. Medicare Advantage plans that emphasize prevention show promise in improving health outcomes and lowering costs by investing savings back into more benefits.
September is a time for spreading awareness via the Life Insurance Awareness Month (LIAM) campaign. What's key for insurance professionals is to find the best way to connect with consumers on the need for this product. Take a look at our presentation for a few of these important facts and figures that can help convey the right message.
Read More: http://www.genre.com/knowledge/blog/life-insurance-stats-and-facts-en.html
Wellness Program Selection & IntegrationBarbara Wall
The document discusses selecting and integrating wellness programs into client health promotion initiatives. It outlines the benefits of including health promotion, describing wellness programs as identifying health risks and promoting healthy behaviors. It also discusses measuring the success of programs through metrics like participation rates and health risk assessment results. The key is tailoring programs to the target population and supporting programs with communication campaigns and executive sponsorship.
This Infographic gives an overview of the situation, explaining why surviving a critical illness can be financially devastating.
Read more: www.genre.com/knowledge/blog/critical-illness-insurance-fast-facts-en.html
This document discusses the high costs of medical bills in the United States and how most Americans lack sufficient savings to cover unexpected expenses. Over half of Americans do not have enough savings to cover a $1000 medical bill or car repair. Medical bills are the leading cause of personal bankruptcies, even for those with health insurance. While health insurance covers direct medical costs, it does not cover indirect costs like lost wages. The best choice to protect against these costs is supplemental accident and health insurance that pays benefits directly to policyholders.
Insights into the importance of healthcare planning and how financial advisory firms can get started today. Connect with us today at www.caribouwealth.com
This document discusses severe illness insurance and the risks of various illnesses. It notes that heart disease is a leading cause of death worldwide. In South Africa, 1 in 3 men and 1 in 4 women will suffer from cardiovascular disease before age 60. There is also discussion of risks of stroke, cancer, and other illnesses. The document then introduces the Greenlight Illness Benefits insurance plan, which provides financial protection for the costs of surviving illnesses through lump sum payouts. Key aspects of the Greenlight plan include benefits for severe illnesses, extensive illnesses, and coverage for children.
This document provides information about family caregivers in Canada. It defines a caregiver as someone who provides informal care for a family member with long-term illness, disability, or age-related needs. Most caregivers are women and have been providing care for over a year. Common types of care include elder care for parents and care for a spouse with a health condition. Caregiving can cause stress due to effects on employment like lost hours or benefits, financial hardship, and less time for family. The number of caregivers is expected to rise as the population ages.
The document discusses the challenges facing Medicare as the population of elderly Americans grows dramatically. By 2030, Medicare enrollment is expected to increase by 48% to 80 million people, greatly straining its resources. Additionally, half of seniors have prediabetes and one-third have heart disease, two very expensive chronic conditions to treat. The growth of chronic diseases threatens Medicare's long-term sustainability unless innovative solutions are found to engage seniors in preventive healthcare and reduce disease risks. Medicare Advantage plans that emphasize prevention show promise in improving health outcomes and lowering costs by investing savings back into more benefits.
September is a time for spreading awareness via the Life Insurance Awareness Month (LIAM) campaign. What's key for insurance professionals is to find the best way to connect with consumers on the need for this product. Take a look at our presentation for a few of these important facts and figures that can help convey the right message.
Read More: http://www.genre.com/knowledge/blog/life-insurance-stats-and-facts-en.html
The document discusses the high economic costs of mental illness and various interventions to reduce these costs. It notes that almost half of Americans will experience a mental health issue in their lifetime. Left untreated, mental illness leads to lost productivity from absenteeism and presenteeism, lower earnings, poverty, physical health issues, and suicide. Several interventions show promise such as increasing access to therapy, tailoring treatments, and addressing childhood mental health issues. However, more research is needed to determine the most effective and efficient solutions, yet research funding remains disproportionately low compared to the economic burden. Workplace reforms and greater access to mental healthcare, especially on college campuses, could also help address rising costs from mental illness.
The Ella Faye Childs Memorial Program aims to prevent suicide among the elderly by partnering with nursing homes in Denton County, Texas that have deficiencies related to elderly mental healthcare and quality of life according to Medicare reports. The program will provide training to nursing home staff to increase quality of care and implement a 12-month prevention program with mental health services and counseling. Goals are to improve the quality of care provided by staff, increase staff competence, and decrease elderly suicide risk factors like depression and isolation among residents. The program will be piloted over 14 months in two cycles to collect outcome data and demonstrate effectiveness with the goal of expanding statewide.
National Council Magazine - Crisis to Recovery EditionDavid Covington
The article discusses the need for improved crisis services in the US. Currently, many people in crisis end up in emergency rooms without adequate care or follow up. The authors argue that a comprehensive community-based crisis system is needed to treat mental health crises with the same urgency as physical health emergencies. Examples from some states and communities show promising approaches, including using data and technology for real-time coordination, and peer-based crisis services that provide support in home-like settings rather than institutions. The authors call for a national effort to transform crisis mental health care.
Critical Illness Sales Presentation created by Catherine Chaney BowmanCatherine Chaney Bowman
Here's a compelling sales presentation for the less well known but essential insurance product that provides protection in the event of a critical illness
Our State of the Nation: Life Insurance Trends 2021 report takes the temperature on Canadians’ attitude towards spending, saving, job security, and life insurance in a near post-pandemic economy.
United Health Group [PDF Document] Entire Annual Report (889k)finance3
UnitedHealth Group had strong financial results in 2001, with revenues increasing over 11% and earnings per share growing 33%. However, the US healthcare system faces significant challenges, including a failure to make basic care available to all citizens and inefficient spending. The company's chairman outlines four goals to address these issues: 1) defining a basic benefits package for all Americans, 2) simplifying administrative processes, 3) establishing evidence-based medicine as the standard, and 4) providing better information and support to consumers. UnitedHealth Group is committed to playing a leadership role in achieving these goals.
The percentage of persons in families having problems paying medical bills in the past 12 months decreased from 19.7% in 2011 to 14.2% in 2018 according to a National Health Interview Survey. In 2018, females, children aged 0-17, and non-Hispanic black persons were more likely than other groups to have problems paying medical bills. Among those under age 65, the uninsured had the highest rates of problems paying bills, followed by those with Medicaid or private insurance. For those over 65, those with Medicare and Medicaid or Medicare only had higher rates than those with Medicare Advantage or private coverage.
Employee Health & Financial Wellness approachWarren Handsor
- Nearly half (45%) of Canadians surveyed reported having a low level of financial wellness, with issues like inadequate retirement savings, lack of financial protections, and high money-related stress.
- Employees with low financial wellness were more likely to feel distracted at work due to financial worries, which can negatively impact productivity.
- Improving employees' financial wellness through workplace financial education and support programs could help boost engagement and productivity, benefiting both employees and employers.
The document proposes a health promotion activity called "Bipolar disorder - the basics" to increase awareness and understanding of bipolar disorder (BD) and help prevent relapse. The activity would provide participants with information on what BD is, its types and symptoms, prevalence, comorbidities, stigma and effects of stigma. It would be delivered through a presentation facilitated by a trainer, followed by entry and exit surveys to measure knowledge increase and user satisfaction. The goal is to educate people, including those with BD, their families and professionals, by presenting information on BD in a clear and non-technical way while using technical terms when needed.
2021 Proof Strategies CanTrust Index: Trust and the Pandemic - May UpdateProof
Proof Strategies released our robust CanTrust Index study in February 2021 and went back into the field in early May 2021 to survey Canadians on their trust levels in elected leaders, scientists, doctors, journalists and vaccines. The distinct trust story in Canada continues as we see a 10-point increase in trust in vaccines in only four months. The increase has happened in every region. Unlike the United States, vaccine trust spans supporters of all political parties. Our research shows that trust in doctors, scientists and medical officers also remains high. Right now, Canadians have trust and want vaccines!
The Proof Strategies CanTrust Index is a leading source of research and understanding of trust in Canada. Read the 2021 report at http://CanTrustIndex.ca
Crisis Now: Transforming Services is Within Our Reach (March 2016)David Covington
This new report from the National Action Alliance on Suicide Prevention's Crisis Services Task Force surveyed the status of mental health crisis care and the state of the art represented by new crisis care systems and solutions. The Task Force finds gaping holes in crisis care that are contributing to criminalization of people with mental illness, the increasing suicide rate, and rising health care costs. We present consensus recommendations to improve and expand crisis care, and discuss current policy opportunities.
DSHS DANLY PRESENTATION JUN 7 edited5_31Diane Danly
This document discusses caring for patients with serious mental illness (SMI) and advanced medical illness (AMI). Patients with SMI have higher rates of medical comorbidities and mortality than the general population due to risk factors like smoking and obesity. Barriers to treatment include lifestyle factors, medication side effects, and stigma. Effective care requires a team-based, collaborative approach focusing on patient goals and quality of life through shared decision making. The Physician Orders for Life-Sustaining Treatment (POLST) form can help communicate treatment preferences and ensure those preferences are honored throughout care transitions.
Trust in Canada’s Leaders and Democratic InstitutionsProof
With the dust settling following a fraught federal election campaign, new survey data shows worrying trends in Canadians’ trust in the electoral system, party leaders and more.
Since 2016, Proof Inc. has studied trust in Canada through an annual survey of Canadian adults. On the heels of the Fall federal election, Proof went back into the field to gather a fresh, updated perspective on Canadians’ trust in party leaders, our democracy and the country’s key government institutions.
This document summarizes SAMHSA's strategic initiatives and challenges around prevention of substance abuse and mental illness. It discusses how health reform presents new opportunities and challenges, including 32 million more Americans being eligible for coverage by 2014. SAMHSA's strategic initiatives focus on goals like preventing onset of substance abuse and mental illness through primary prevention, reducing underage drinking and prescription drug misuse, and preventing suicides. The document outlines challenges for state leadership in implementing prevention programs and ensuring access to evidence-based services under health reform.
2008 Health Insurance Survey of California Farm and Ranch OperatorsBill Lottero
This document summarizes the findings of a survey of 1,787 California farm and ranch operators about their health insurance and health care costs:
- One in five respondents reported that health care expenses contributed to their financial problems, and 31% spent more than 10% of their income on health insurance premiums and out-of-pocket medical costs. Those who purchased insurance on the individual market faced higher costs.
- Key factors in financial hardship were the percentage of income spent on health care and needing to borrow money to pay costs. Over a quarter had to use savings or go into debt to pay for care.
- The findings suggest many farm/ranch families face cost burdens from health insurance and care, despite generally
Fragmentation of health care delivery services in africaAlexander Decker
This document summarizes issues with how donor funding for healthcare projects in Africa has fragmented services and undermined public health systems. Donors often fund narrow vertical projects focused on diseases that interest Western audiences, like HIV/AIDS, rather than building sustainable national systems. This leads to a lack of coordination, duplication of efforts, and depletion of local healthcare workers who leave for better paying jobs with NGOs implementing donor projects. While donor funding has helped control some diseases, it has not improved overall health outcomes in Africa and has weakened public health infrastructure by not prioritizing capacity building and local ownership over targeting specific diseases.
The document discusses the current state of healthcare in the United States and proposals for reform. It begins by outlining various metrics where the US lags behind other developed nations such as life expectancy, healthcare spending, obesity rates, and access to care. It then summarizes key provisions and impacts of the Affordable Care Act but notes it did not address the root problems with the system. Finally, it outlines the proposal for a single-payer "Medicare for All" system as established in HR 676, including its benefits and projected cost savings compared to the current multi-payer approach.
Zachary Keyes is seeking a job and provides his contact information and resume. He has work experience at Wayne Buildings Inc. as a jobsite assistant where he learned business management skills. At Dicks Sporting Goods he was an efficient sales associate, earning employee of the month three times. Previously he worked at Miami View Golf Club in various roles maintaining golf carts and the course. Keyes attends Miami University studying Strategic Communications and will graduate in May 2017. On campus he has been involved in intramural sports, clubs, and service activities like food drives and Habitat for Humanity.
How Can a Heart Attack Be Prevented?
Making lifestyle changes is the most effective way to prevent having a heart attack.
Lowering your risk factors for coronary heart disease can help you prevent a heart attack. Even if you already have coronary heart disease.
For more information visit:
www.srisriholistichospitals.com
The document discusses the high economic costs of mental illness and various interventions to reduce these costs. It notes that almost half of Americans will experience a mental health issue in their lifetime. Left untreated, mental illness leads to lost productivity from absenteeism and presenteeism, lower earnings, poverty, physical health issues, and suicide. Several interventions show promise such as increasing access to therapy, tailoring treatments, and addressing childhood mental health issues. However, more research is needed to determine the most effective and efficient solutions, yet research funding remains disproportionately low compared to the economic burden. Workplace reforms and greater access to mental healthcare, especially on college campuses, could also help address rising costs from mental illness.
The Ella Faye Childs Memorial Program aims to prevent suicide among the elderly by partnering with nursing homes in Denton County, Texas that have deficiencies related to elderly mental healthcare and quality of life according to Medicare reports. The program will provide training to nursing home staff to increase quality of care and implement a 12-month prevention program with mental health services and counseling. Goals are to improve the quality of care provided by staff, increase staff competence, and decrease elderly suicide risk factors like depression and isolation among residents. The program will be piloted over 14 months in two cycles to collect outcome data and demonstrate effectiveness with the goal of expanding statewide.
National Council Magazine - Crisis to Recovery EditionDavid Covington
The article discusses the need for improved crisis services in the US. Currently, many people in crisis end up in emergency rooms without adequate care or follow up. The authors argue that a comprehensive community-based crisis system is needed to treat mental health crises with the same urgency as physical health emergencies. Examples from some states and communities show promising approaches, including using data and technology for real-time coordination, and peer-based crisis services that provide support in home-like settings rather than institutions. The authors call for a national effort to transform crisis mental health care.
Critical Illness Sales Presentation created by Catherine Chaney BowmanCatherine Chaney Bowman
Here's a compelling sales presentation for the less well known but essential insurance product that provides protection in the event of a critical illness
Our State of the Nation: Life Insurance Trends 2021 report takes the temperature on Canadians’ attitude towards spending, saving, job security, and life insurance in a near post-pandemic economy.
United Health Group [PDF Document] Entire Annual Report (889k)finance3
UnitedHealth Group had strong financial results in 2001, with revenues increasing over 11% and earnings per share growing 33%. However, the US healthcare system faces significant challenges, including a failure to make basic care available to all citizens and inefficient spending. The company's chairman outlines four goals to address these issues: 1) defining a basic benefits package for all Americans, 2) simplifying administrative processes, 3) establishing evidence-based medicine as the standard, and 4) providing better information and support to consumers. UnitedHealth Group is committed to playing a leadership role in achieving these goals.
The percentage of persons in families having problems paying medical bills in the past 12 months decreased from 19.7% in 2011 to 14.2% in 2018 according to a National Health Interview Survey. In 2018, females, children aged 0-17, and non-Hispanic black persons were more likely than other groups to have problems paying medical bills. Among those under age 65, the uninsured had the highest rates of problems paying bills, followed by those with Medicaid or private insurance. For those over 65, those with Medicare and Medicaid or Medicare only had higher rates than those with Medicare Advantage or private coverage.
Employee Health & Financial Wellness approachWarren Handsor
- Nearly half (45%) of Canadians surveyed reported having a low level of financial wellness, with issues like inadequate retirement savings, lack of financial protections, and high money-related stress.
- Employees with low financial wellness were more likely to feel distracted at work due to financial worries, which can negatively impact productivity.
- Improving employees' financial wellness through workplace financial education and support programs could help boost engagement and productivity, benefiting both employees and employers.
The document proposes a health promotion activity called "Bipolar disorder - the basics" to increase awareness and understanding of bipolar disorder (BD) and help prevent relapse. The activity would provide participants with information on what BD is, its types and symptoms, prevalence, comorbidities, stigma and effects of stigma. It would be delivered through a presentation facilitated by a trainer, followed by entry and exit surveys to measure knowledge increase and user satisfaction. The goal is to educate people, including those with BD, their families and professionals, by presenting information on BD in a clear and non-technical way while using technical terms when needed.
2021 Proof Strategies CanTrust Index: Trust and the Pandemic - May UpdateProof
Proof Strategies released our robust CanTrust Index study in February 2021 and went back into the field in early May 2021 to survey Canadians on their trust levels in elected leaders, scientists, doctors, journalists and vaccines. The distinct trust story in Canada continues as we see a 10-point increase in trust in vaccines in only four months. The increase has happened in every region. Unlike the United States, vaccine trust spans supporters of all political parties. Our research shows that trust in doctors, scientists and medical officers also remains high. Right now, Canadians have trust and want vaccines!
The Proof Strategies CanTrust Index is a leading source of research and understanding of trust in Canada. Read the 2021 report at http://CanTrustIndex.ca
Crisis Now: Transforming Services is Within Our Reach (March 2016)David Covington
This new report from the National Action Alliance on Suicide Prevention's Crisis Services Task Force surveyed the status of mental health crisis care and the state of the art represented by new crisis care systems and solutions. The Task Force finds gaping holes in crisis care that are contributing to criminalization of people with mental illness, the increasing suicide rate, and rising health care costs. We present consensus recommendations to improve and expand crisis care, and discuss current policy opportunities.
DSHS DANLY PRESENTATION JUN 7 edited5_31Diane Danly
This document discusses caring for patients with serious mental illness (SMI) and advanced medical illness (AMI). Patients with SMI have higher rates of medical comorbidities and mortality than the general population due to risk factors like smoking and obesity. Barriers to treatment include lifestyle factors, medication side effects, and stigma. Effective care requires a team-based, collaborative approach focusing on patient goals and quality of life through shared decision making. The Physician Orders for Life-Sustaining Treatment (POLST) form can help communicate treatment preferences and ensure those preferences are honored throughout care transitions.
Trust in Canada’s Leaders and Democratic InstitutionsProof
With the dust settling following a fraught federal election campaign, new survey data shows worrying trends in Canadians’ trust in the electoral system, party leaders and more.
Since 2016, Proof Inc. has studied trust in Canada through an annual survey of Canadian adults. On the heels of the Fall federal election, Proof went back into the field to gather a fresh, updated perspective on Canadians’ trust in party leaders, our democracy and the country’s key government institutions.
This document summarizes SAMHSA's strategic initiatives and challenges around prevention of substance abuse and mental illness. It discusses how health reform presents new opportunities and challenges, including 32 million more Americans being eligible for coverage by 2014. SAMHSA's strategic initiatives focus on goals like preventing onset of substance abuse and mental illness through primary prevention, reducing underage drinking and prescription drug misuse, and preventing suicides. The document outlines challenges for state leadership in implementing prevention programs and ensuring access to evidence-based services under health reform.
2008 Health Insurance Survey of California Farm and Ranch OperatorsBill Lottero
This document summarizes the findings of a survey of 1,787 California farm and ranch operators about their health insurance and health care costs:
- One in five respondents reported that health care expenses contributed to their financial problems, and 31% spent more than 10% of their income on health insurance premiums and out-of-pocket medical costs. Those who purchased insurance on the individual market faced higher costs.
- Key factors in financial hardship were the percentage of income spent on health care and needing to borrow money to pay costs. Over a quarter had to use savings or go into debt to pay for care.
- The findings suggest many farm/ranch families face cost burdens from health insurance and care, despite generally
Fragmentation of health care delivery services in africaAlexander Decker
This document summarizes issues with how donor funding for healthcare projects in Africa has fragmented services and undermined public health systems. Donors often fund narrow vertical projects focused on diseases that interest Western audiences, like HIV/AIDS, rather than building sustainable national systems. This leads to a lack of coordination, duplication of efforts, and depletion of local healthcare workers who leave for better paying jobs with NGOs implementing donor projects. While donor funding has helped control some diseases, it has not improved overall health outcomes in Africa and has weakened public health infrastructure by not prioritizing capacity building and local ownership over targeting specific diseases.
The document discusses the current state of healthcare in the United States and proposals for reform. It begins by outlining various metrics where the US lags behind other developed nations such as life expectancy, healthcare spending, obesity rates, and access to care. It then summarizes key provisions and impacts of the Affordable Care Act but notes it did not address the root problems with the system. Finally, it outlines the proposal for a single-payer "Medicare for All" system as established in HR 676, including its benefits and projected cost savings compared to the current multi-payer approach.
Zachary Keyes is seeking a job and provides his contact information and resume. He has work experience at Wayne Buildings Inc. as a jobsite assistant where he learned business management skills. At Dicks Sporting Goods he was an efficient sales associate, earning employee of the month three times. Previously he worked at Miami View Golf Club in various roles maintaining golf carts and the course. Keyes attends Miami University studying Strategic Communications and will graduate in May 2017. On campus he has been involved in intramural sports, clubs, and service activities like food drives and Habitat for Humanity.
How Can a Heart Attack Be Prevented?
Making lifestyle changes is the most effective way to prevent having a heart attack.
Lowering your risk factors for coronary heart disease can help you prevent a heart attack. Even if you already have coronary heart disease.
For more information visit:
www.srisriholistichospitals.com
This document discusses personal leadership skills and servant leadership. It defines influence versus manipulation, and lists 5 ways to positively influence others. Servant leadership is described as meeting the needs of others by influencing them for their own benefit. 8 traits of servant leaders are provided, such as focusing on people's needs over the leader's likes. The difference between leaders and managers is outlined, with leaders focusing on people and the big picture while managers focus on procedures. The document emphasizes that one's own behavior, attitude, values, investments, character, work ethic, and growth determine success and becoming a strong leader who makes people feel valued.
Los hologramas son fotografías tridimensionales creadas usando un rayo láser para grabar una imagen en una placa fotosensible. Esto permite almacenar información sobre las dimensiones tridimensionales de un objeto. Los hologramas pueden usarse para comunicación y divulgación de información, con posibilidades como el desarrollo de software de procesamiento de hologramas y la televisión holográfica. La tecnología de los hologramas continúa perfeccionándose para ofrecer versatilidad y rápid
Este documento trata sobre la realidad virtual y sus diferentes tipos. Explica que la realidad virtual inmersiva reconstruye paisajes panorámicos de video de forma cilíndrica para que el usuario interactúe. También habla sobre la realidad virtual semi-inmersiva y las diferencias entre realidad virtual humano-máquina y humanos-máquina. Finalmente, menciona que PlayStation VR busca ofrecer una buena calidad de videojuegos en realidad virtual siempre que no sea demasiado costoso.
Este documento contiene 5 vacantes para puestos de técnico en mantenimiento de equipos de cómputo en diferentes empresas y localidades de México. Las vacantes incluyen técnicos en mantenimiento preventivo y correctivo de PC's, sistemas especializados y cajeros automáticos en Querétaro, técnicos de reparación de equipo de cómputo en León, Guanajuato, puestos de mantenimiento preventivo y correctivo de PC's sin experiencia en la Ciudad de México, jefe de soporte técnico bilingüe para
If you can’t cover the bills, who will?
Synergy from Manulife is an affordable 3-in-1 insurance solution that provides life, disability, and critical illness coverage to help protect your family should something happen to you.
This document provides information about various insurance policies offered by My FamilyProtect including accident, critical illness, cancer, accidental death & dismemberment, hospital indemnity, and funeral expense policies. The accident policy provides coverage for medical expenses from covered accidents. The critical illness policy provides a lump sum payment for heart attacks, strokes, or invasive cancer diagnoses. The cancer-only critical illness similarly provides payments for cancer diagnoses. The accidental death & dismemberment policy provides payments for accidental death or dismemberment. Details are given on benefit amounts, coverage options, eligibility, and coordination of benefits for each policy type.
Critical illness insurance is a source of funds you can use to help cover the indirect costs that arise when a
serious illness strikes. By providing money when you need it most, upon diagnosis of a serious illness (as
defined in the policy), critical illness insurance can help relieve worry about your finances so that you can focus
on getting well.
Critical illness insurance pays you a lump sum of money upon diagnosis of a covered condition. This money is
yours to use for any purpose, with no restrictions. For example, critical illness insurance proceeds can be used
to pay:
* Mortgage or rent payments, as well as any other bills you may have;
* Health insurance deductibles, coinsurance and/or co-payments;
* The costs of receiving out-of-network medical treatment, including possible travel and lodging expenses;
* Treatments not covered by traditional health insurance;
* Child care expenses during treatment or hospitalization;
* Modifications to your home or vehicle; and/or
* Shorter-term home health care.
Since the premiums paid for critical illness insurance are not tax deductible, the benefits are not considered as
income and are received 100% free of income tax.
Residents of NY, NJ and CT - contact: J. Sadler Hayes, II / 845-639-0492 / sadlerhayes@gmail.com
This document provides an overview and review of critical illness insurance. It discusses how critical illnesses like cancer and heart disease can impact finances through lost income and medical costs. It then outlines sources of funds people may have like health insurance, disability insurance, and savings, but notes their limitations. The document proposes critical illness insurance as a potential solution, explaining that it pays a lump sum that can be used flexibly upon diagnosis of a covered critical illness. This allows focusing on treatment instead of finances. The document also clarifies what critical illness insurance is not, such as health care insurance.
This document summarizes and promotes critical illness insurance. It describes how such insurance provides financial protection for people diagnosed with serious illnesses by paying lump sums that can be used flexibly. The summary highlights that critical illness rates are increasing in the US, that most health insurance does not cover all costs of treatment and recovery, and that critical illness insurance helps allow patients to focus on recovery rather than financial stresses. It also shares one example of a policyholder who received benefits to pay medical bills following a brain tumor diagnosis.
Retirement Issues and Concerns in the 21st Century copyBert Salazar
This document discusses the challenges of retirement planning in the 21st century. It addresses issues like increased longevity, rising healthcare costs, lack of pensions, and other factors that erode retirement savings. Solutions are proposed to help mitigate these obstacles, like using insurance or annuity products that provide long term care benefits without losing money if care isn't needed. Overall it outlines the major risks Americans now face in retirement planning and some potential ways to reduce those risks.
The document discusses the impending long-term care crisis in the US as the population ages. By 2030, 70 million US citizens will be over 65 and 5.2 million will be over 85 with disabilities requiring long-term care. However, most will not be able to afford the high costs of care. The goals are to raise awareness of long-term care options like insurance plans. Additionally, the healthcare workforce will be unable to support the increase in those needing long-term care services. Solutions proposed include educating individuals to plan ahead financially and consider expanding Medicare coverage.
Critical illness insurance provides a cash benefit if diagnosed with a covered critical illness like cancer, heart attack, or stroke. It can help pay for treatment costs, lost wages, and bills while recovering without stressing over finances. Coverage amounts and costs vary by age, health, needs, and options selected. Being diagnosed with a pre-existing condition makes one ineligible, so it's best to apply when in good health.
- Trust in Canada has declined over the past two years, notably a sharp 10% decline in trust in government between 2021-2022. Overall trust in NGOs, media, business and government has dropped from 37% in 2021 to 34% in 2022.
- Medical doctors at 78% and scientists at 75% remain the most trusted sources for information. Politicians have very low trust at 18%.
- Approximately half of Canadians report feeling stressed and anxious due to the pandemic, and those individuals show lower levels of trust across many areas compared to those who feel less stressed.
Proof Strategies CanTrust Index 2022 Summary of FindingsBrockPoirier1
The document summarizes the key findings of the 2022 Proof Strategies CanTrust Index, which measures trust in Canada. Some of the main findings include:
- The aggregate trust index, which measures trust in organizations like NGOs, media, business and government, has declined from 45% in 2016 to 34% in 2022.
- Trust in government has seen a significant 10% decline between 2021-2022, driven partly by stress and anxiety from the pandemic.
- Medical doctors and scientists remain the most trusted sources of information, while politicians have very low trust at 18%.
- Regional differences exist, with residents of the Prairie provinces expressing the lowest levels of trust on most issues.
The document discusses the opportunity presented by a new business revolution in the financial services industry. It notes that traditional financial advisors have been declining in number while products have been improving, leaving many families underserved. The business opportunity presented through Synergy Financial Partners (SFP) allows individuals to help address this problem and benefit financially. SFP uses a hybrid compensation model that allows associates to build a business and earn income in both part-time and full-time capacities by helping clients improve their financial positions through updated products and strategies.
This document summarizes the benefits of MetLife's Critical Care insurance plan. The plan provides a lump sum payment if the policyholder is diagnosed with a critical illness to help cover high medical costs and loss of income. It covers 32 illnesses including cancer, heart attacks, and strokes. The plan offers worldwide coverage and extra services like second medical opinions. Premiums vary based on age and coverage amount, and can be paid annually or as a single 5-year payment. The goal is to provide financial support during serious illness so families can focus on recovery without financial worries.
This document provides information about health, life, and supplemental insurance products. It discusses helping clients protect their health, income, and family through various insurance solutions tailored to their needs and budget. Sample products discussed include health, life, Medicare, and supplemental policies. The document also covers topics like health care reform, the metal tier plans, and qualifying life events as they relate to insurance.
The document summarizes key findings from the 2015 Aflac WorkForces Report on American workers' financial preparedness and concerns. It finds that over half of Americans have less than $1,000 on hand for medical expenses and many underestimate costs. Workers report high medical bills have hindered savings and forced some to use credit cards or borrow from retirement funds. Many Americans also lack financial literacy and planning, with most not saving adequately for retirement or unexpected expenses. The report indicates financial issues negatively impact workers' productivity and job satisfaction.
New Yorkers struggle with high healthcare costs and support government solutions. A survey found over half of New York adults faced healthcare affordability burdens in the past year, including being uninsured, delaying care due to costs, and struggling to pay medical bills. Most were worried about affording future healthcare costs. Support for government action to lower costs and increase access was high across political parties. New Yorkers reported the highest affordability burdens in New York City and support a range of policies like lowering drug and hospital prices.
The document discusses a life insurance policy that provides death benefit protection while also allowing policyholders to access a portion of the death benefit if diagnosed with a critical or chronic illness. It provides an example of a 45-year-old man who suffers a heart attack and accelerates 90% of his $500,000 policy, receiving $268,219 to pay medical bills and other expenses while keeping $50,000 of the death benefit for his family. It also gives an example of a man who develops rheumatoid arthritis at 55 and can accelerate portions of his policy annually to pay for health care costs while preserving the rest of the savings for his family and retirement. The policy is presented as a way for clients to prepare for unexpected medical
Medi-Cal According to the California Department of Health Care.docxARIV4
Medi-Cal
According to the California Department of Health Care Services (DHHS) Medi-Cal qualification website, a family of two can qualify for Medi-Cal if their annual income is below 138% of the federal poverty level which is $22,108 (California Department of Health Care Services, 2016). An individual can also qualify for Medi-Cal if they are: 65 or older; blind; disabled; under 21; pregnant; in a skilled nursing or intermediate care home; on refugee status for a limited time, depending on how long they have been in the United States; breast cancer cervical cancer patients who qualify under the Breast and Cervical Cancer Treatment Program (California Department of Health Care Services, 2016); and/or a parent or caretaker relative of a child under 21 if the child's parent is deceased or doesn't live with the child, or the child's parent is incapacitated, or the child's parent is under employed or unemployed. Medi-Cal is also available to individuals who are enrolled in CalFresh, SSI/SSP, CalWorks (AFDC), Refugee Assistance, and/or the Foster Care or Adoption Assistance Program.
Applications for Medi-Cal can be made on the Covered California website (Covered California, 2016). Applications may also be filed in person at local county human services agencies (California Department of Health Care Services, 2016). Covered California gives a description of who’s eligible for Medi-Cal on their website that concisely summarizes the verbiage on the DHHS site: “Medi-Cal covers low-income adults, families with children, seniors, persons with disabilities, children in foster care as well as former foster youth up to age 26, and pregnant women” (Covered California, 2016).
According to California Health Advocates, the male spouse in the case would be considered for Medi-Cal under the Medi-Cal for individuals with Medicare program known as “dual eligibles” or “Medi-Medis” because he is 72 years of age (California Health Advocates, 2016). For a couple, the asset limitation is $3000 excluding the primary home, one vehicle, household goods and personal belongings, a life-insurance policy with a face value of $1,500 per person, a prepaid burial plan (unlimited if irrevocable or up to $1,500 if revocable) and burial plot. Various Medi-Cal programs are available to Medicare eligible individuals as shown in the table below from California Health Advocates (California Health Advocates, 2016).
Medi-Cal Programs – Qualification at a Glance
(Asset limits are the same for all programs: Single: $2,000; Couple: $3,000)
Program / Requirements
Your Monthly Income
Supplemental Security Income (SSI)
· 65 or older, blind or disabled
Single: up to $889.40/mo.
Couple: up to $1,496.20/mo.
Note: Higher income levels apply for individuals who are blind.
Aged & Disabled Federal Poverty Level (A&D FPL) Program
· 65 or older, blind or disabled
Single: up to $1,220/mo.
Couple: up to $1,645/mo.
Medi-Cal with a Share of Cost (SOC)
· 65 or older, blind or disabled
Single: over $1 ...
Insights on Americans' perspectives on the COVID-19 vaccines, with effective language to build confidence in vaccination. Based on a poll conducted Dec. 21-22, 2020, by Frank Luntz and the de Beaumont Foundation in partnership with the American Public Health Association, the National Collaborative for Health Equity, and Resolve to Save Lives, an Initiative of Vital Strategies.
1. RELEASE
New research uncovers misconceptions about the financial impact a critical
illness can have on the well being of Canadians and their families
55 per cent of Canadians aren’t financially prepared to cover their living expenses
if faced with a serious illness
.
London, ON Feb. 2, 2016… New research uncovers a considerable gap between the likelihood of a serious
illness and planning for the financial implications such an illness could bring to the average Canadian family.
More than eight million working Canadians are at risk of going into debt, delaying retirement or downsizing
their home in order to survive financially if faced with a serious illness.
Though Canadians understand the severe impact a serious illness can have on their lives, few seem to have
a well-thought out plan to manage it. This became clear through findings from a recent survey
commissioned by Great-West Life, London Life and Canada Life to understand what Canadians think about
serious illness and the emotional and financial impact it could have on them and their families.
Canadians typically take out insurance to protect themselves from damage to their cars or homes, but less
commonly take action to protect their livelihood if they or a loved one suffer a serious illness. Yet 60 per cent
of working Canadians are concerned about loss of income, and 55 per cent are concerned about an inability
to meet living expenses should they be impacted by a serious illness.
“Overall, Canadians feel uneasy when considering the impact of a critical illness and have some
understanding of the risk, but lack awareness of and preparedness for the financial implications,” says Kelly
Swanson, Assistant Vice President, Insurance Marketing. “Great-West Life, London Life and Canada Life
undertook this research to understand what Canadians are most concerned about when it comes to serious
illness. The survey results are available on CriticalUncovered.ca, our new interactive public website,
developed to raise awareness about not only the physical but the financial and emotional implications of a
serious illness.”
/…2
Infographic: Canadians are not financially
prepared for a critical illness
Critical illness insurance –thought
leadership research: Summary of findings
Hear Sandra’s story
2. - 2 -
For survey results or more information, please visit www.CriticalUncovered.ca.
The information contained above has been compiled by Head Research and is based on research conducted by Head Research which was
commissioned by The Great-West Life Assurance Company and affiliates.
About Great-West Life, London Life, and Canada Life
Great-West Life, London Life and Canada Life offer a broad portfolio of financial and benefit plan solutions,
and serve the financial security needs of more than 12 million people across Canada. Together, Great-West
Life, London Life and Canada Life are leading providers of individual insurance for Canadians.
-end-
For media inquiries, please contact:
Marlene Klassen, APR, Great-West Life
204.946.7705
marlene.klassen@gwl.ca
Jessica Goldberg, Citizen Relations
416.934.8081
Jessica.Goldberg@citizenrelations.com
3. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
CRITICAL ILLNESS INSURANCE – THOUGHT LEADERSHIP RESEARCH
September 14, 2015
A SUMMARY OF FINDINGS
Great-West Life, London Life and Canada Life offer Critical Illness
(CI) insurance to Canadians.
Head Research was engaged to determine what Canadians know
about critical insurance and the impact critical illness could have
on them and their families.
BACKGROUND AND OBJECTIVES
Prepared by: James Wright & Melinda Head, Head Research
4. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
2
KEY FINDINGS04
IMPACT OF CRITICAL ILLNESS AND COPING STRATEGIES05
PERCEPTIONS OF CRITICAL ILLNESS RISK18
RESEARCH METHOD03
AWARENESS AND UNDERSTANDING OF CRITICAL ILLNESS INSURANCE26
TABLE OF CONTENTS
APPENDIX32
5. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
3
” ”
• N=1,786 online interviews were conducted with the target market for CI insurance:
‒ Working adults, or partners of working adults
‒ Aged 18 to 65
‒ With a household income of $30,000 or more (the average household income of the sample
was $100,000)
‒ Primary or shared decision-maker for personal insurance
• To support regional-level media releases, regional sample boosts were implemented to
ensure a minimum of 500 interviews in each of Quebec and Ontario, and 300 interviews in
each of British Columbia and Atlantic Canada. Data reported at the national level has been
weighted, by province, to remove these boosts and, therefore, be nationally-representative
• Throughout this report, differences between sub-groups of respondents (such as between
consumers who live in Quebec vs. Ontario) are shown when they are both statistically
significant and meaningful. These differences are shown in two ways:
‒ Call-out boxes such as:
indicate that the data in the call-out box is significantly different to that of all other categories
combined. So, in this example, the rating in Quebec is higher than that of consumers who do not
live in Quebec
‒ Data in tables shown with arrows such as:
indicate that the data with the arrow is significantly higher than the data in the other category (or
the average of the other categories) shown. So, In this example, the data for females is higher than
that for males
• The general survey questionnaire flow is shown on the left side of this page
Understanding of
Critical Illness
I.
Understanding
of Critical
Illness
Insurance
II.
Awareness of
Critical
Illness Risks
Screening
Expected
Impact
of Critical
Illness
Insurance
Attitudes
Insurance
Ownership
and Reasons
III.IV.
VI.V.
SURVEY FLOW
Quebec: 75%
Males 89
Females 94
RESEARCH METHOD
6. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
4
• When presented with statistics about the risk of
critical illness occurring in one’s lifetime, at least
half were aware of these truths
• Working Canadians know that the risk of
experiencing a critical illness is very real – 3 out of 4
know someone who has suffered a CI. For half, this
is a direct reality, as they have seen a family
member experience the consequences of a critical
illness
• Furthermore, the majority (70%) of working
Canadians is aware that their risk of suffering from
a critical illness is the same as that of the average
Canadian
• Working Canadians recognize that a critical illness
in their family would have very serious financial
consequences
• The main financial impacts are loss of income,
inability to meet living expenses as well as the
inability to pay a child’s medical bills
• To cope with a critical illness, 62% of working
Canadians say they would have to get into debt,
delay retirement or downsize their home in order
to cope with a critical illness. This equates to
8.37 million working Canadians at risk1
• Over half of working Canadians would have to
continue working if their partner or child became ill
• The biggest worry for parents about becoming
critically ill, outside of the financial consequences,
is not being able to spend quality time with their
children
• Almost half of working Canadians believe that a
critical illness is a terminal or life threatening
illness. They confuse the notion of critical with
serious – when, in reality, an illness can be
serious without being critical
• Only 6 in 10 working Canadians have heard of
critical illness insurance, and understanding of
the product is limited. Some misconceptions
include:
• Many are unclear that payments are made in the
form of a lump sum
• One third believes that CI insurance is paid as a
proportion of one’s income
• The industry needs to educate consumers about
how CI insurance can benefit them
KEY FINDINGS
Working Canadians know that the financial and emotional
impact of a critical illness would be devastating. Over 8
million working Canadians are at risk of going into debt,
delaying retirement or downsizing their home in order
to cope with a critical illness
Misconceptions about critical illness and CI coverage
are a key issue.
Working Canadians are realistic about their risk
of experiencing a critical illness – for many, it is an
experience that hits close to home, as half know
someone in their family who has suffered from a CI
1. See page 11 for details of calculation
1. Anxious 2. Aware 3. Confused
7. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
5
IMPACT OF CRITICAL ILLNESS AND COPING
STRATEGIES
Though working Canadians expect
the impact of a critical illness in their
family to be severe, few seem to have
a well-thought out plan of how
to cope. Many would rely on taking
on debt, downsizing their home, or
delaying retirement.
“
”
8. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
6
1 1 2 3 8 10 17 20 12 25
Not At All
Serious
Very
Serious
If you (or your partner) became critically ill, how serious do you think the financial impact on you would be?
%
OVER HALF (57%) OF WORKING CANADIANS BELIEVE THE FINANCIAL IMPACT OF EITHER
THEMSELVES OR THEIR PARTNER SUFFERING A CRITICAL ILLNESS WOULD BE VERY SERIOUS
Q180. Base: Total (N=1,786).
57% Serious (8-10)8% Not serious (1-4)
Quebec: 51%
Atlantic Canada: 67%
5 6 7 8 9 102 3 41 5
9. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
7
What would you be most worried about facing if you (or your partner) became critically ill?
%
IF FACED WITH A CRITICAL ILLNESS, WORKING CANADIANS ARE MOST CONCERNED
ABOUT LOSS OF INCOME (60%) AND AN INABILITY TO MEET LIVING EXPENSES (55%)
Loss of income due to absence from work
60%
Inability/struggle to pay everyday living expenses (food, electricity bills)
Difficulty to pay for treatments/medical bills
Inability/struggle to make mortgage/rent payments
55%
52%
49%
45%
43%
36%
7%
Reduced future income due to being unable to keep the job you held before becoming critically ill
Need to delay retirement
Risk of losing our home/needing to move somewhere with lower mortgage/rent payments
Inability/struggle to help my parent(s) financially
None of the above
28%
Males: 54%; Females: 65%
Males: 49%; Females: 61%
Atlantic Canada: 65%
Males: 41%; Females: 56%
50-59 Yr. Olds: 52%
Q190. Multiple responses allowed. Base: Total (N=1,786).
10. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
8
50 49
39 39 38 38
40 44
47 45
39
48
10 7
14 16
23
14
Not at all worried Somewhat worried Very worried
Not being able to
spend quality time
with my children
(Base: All with children)
Feeling that I am a
burden to my family
or friends
Not being able to
live at home
anymore
Who will look after my
children's every day
needs, such as cooking
meals or supervising
homework
(Base: All with children)
Having my children
see me in a
diminished state
(Base: All with
children)
AND NOT BEING ABLE TO LIVE LIFE TO THE FULLEST (49% VERY WORRIED) ARE THE BIGGEST WORRIES
WORKING CANADIANS HAVE ABOUT BECOMING CRITICALLY ILL
NOT BEING ABLE TO SPEND QUALITY TIME WITH THEIR CHILDREN (50% VERY WORRIED)
Ontario: 44%
British Columbia: 32%
18-29 Yr. Olds : 60%
Males: 29%;
Females: 47%
To what extent are you worried about facing each of the following, if you (or your partner) became critically ill?
%. Top 6 Worries of 13 shown (bottom 7 shown on following page)
Q195. Base: Total (N=1,786); All working adults with a spouse/partner (n=1,202); All working adults with children (n=797).
Not being able to live
my life to the fullest
11. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
9
37 36 35 31 30 28
16
47 53 50
46 48 51
41
16 12 15
23 21 20
43
Not at all worried Somewhat worried Very worried
Feeling guilty about
the financial impact
my illness may have
on my family's future
Having to deal
with physical
pain related to
my illness
Having my
partner/spouse
become my
caregiver
(Base: All with
spouse/partner)
Having my
partner/spouse see
me in a diminished
state
(Base: All with
spouse/partner)
Having to rely
financially on
my partner/
spouse
(Base: All with
spouse/partner)
Causing my
partner/spouse
to miss work
(Base: All with
spouse/partner)
Losing my
social status
as I can no
longer work
FOUR IN 10 (37%) WORKING CANADIANS ARE VERY WORRIED ABOUT THE FINANCIAL IMPACT
THAT BECOMING CRITICALLY ILL WOULD HAVE ON THEIR FAMILY’S FUTURE
Males: 32%;
Females: 41%
Quebec: 24%
To what extent are you worried about facing each of the following, if you (or your partner) became critically ill?
%. Bottom 7 Worries of 13 shown (top 6 shown on previous page)
Q195. Base: Total (N=1,786); All working adults with a spouse/partner (n=1,202); All working adults with children (n=797).
12. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
10
17
25
25
29
30
32
33
43
55
59
FINANCIALLY IF THEY BECAME CRITICALLY ILL IS TO CUT BACK ON EXPENDITURES (59%).
SIX IN 10 (62%) WOULD NEED TO DELAY RETIREMENT, GET INTO DEBT OR DOWNSIZE THEIR HOME
THE MOST COMMON EXPECTED STRATEGY FOR WORKING CANADIANS TO COPE
50-59 Yr. Olds: 53%
60-69 Yr. Olds: 36%
Single, with children: 45%
Single, with children: 34%
If you became critically ill how would you cope financially?
%. All strategies mentioned by 10% or above
Q205. Multiple responses allowed. Base: Total (N=1,786).
1. Approximately 15 million working Canadians: http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/labr66a-eng.htm.
Approximately 90% of households have a household income of $30,000 or more (i.e. the qualification for our target sample).
http://www.statcan.gc.ca/tables-tableaux/sumsom/l01/cst01/famil106a-eng.htm
15 million multiplied by 90%, multiplied by 62% (see data above) = 8.37 million
My partner would have to continue working
I would have to live frugally
Use all/some of my/my partner's savings
I/my partner would need to delay retirement
I believe my/my partner's disability insurance would cover my needs
I believe that the government would provide support
to meet my needs/my family's needs
I would need financial support from family members (excluding my spouse/partner)
I believe my/my partner's critical illness insurance would cover my needs
Sell/downsize home/move somewhere with lower rent
I would have to get into debt
62% would need to delay
retirement, get into debt or
downsize their home.
This equates to 8.37mln
working Canadians at risk1
13. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
11
13
18
22
27
29
30
48
51
55
55
I believe that the government would provide support to meet my family's needs
We would need financial support from family members (excluding my spouse/partner)
I believe my/my partner's critical illness insurance would cover my needs
We would have to sell our house/downsize our home/move somewhere with lower rent
I believe my/my partner's disability insurance would cover my needs
I/We would have to get into debt
I/my partner would need to delay retirement
We would have to live frugally
Use all/some of my/my partner's savings
I would have to continue working
IF THEIR PARTNER BECAME CRITICALLY ILL, OVER HALF OF WORKING CANADIANS (55%)
WOULD NEED TO CONTINUE WORKING TO BE ABLE TO COPE FINANCIALLY
Males: 48%; Females: 62%
Males: 47%; Females: 55%
18-29 Yr. Olds: 28%
If your spouse/partner became critically ill, which of the following, if any, would you have to do to cope financially?
%. All strategies mentioned by 10% or above
Q206. Multiple responses allowed. Base: All with a spouse or partner (n=1,202).
14. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
12
1 1 4 3 9 12 18 17 11 25
Not At All
Serious
Very
Serious
4 6 7 8 9 102 3 5
HALF (54%) OF WORKING CANADIANS WOULD BE SERIOUSLY AFFECTED FINANCIALLY
IF THEIR CHILD BECAME CRITICALLY ILL
If your child/step-child became critically ill, how serious do you think the financial impact on you would be?
%
Q185. Base: All working Canadians with children (n=797).
53% Serious (1-4)9% Not serious (1-4)
Atlantic Canada: 63%
Males: 48%; Females: 58%
1
15. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
13
WORKING CANADIANS’ BIGGEST FINANCIAL WORRY IF THEIR CHILD BECAME CRITICALLY ILL IS A LOSS
OF INCOME FROM WORK (54%) AND AN INABILITY TO MEET THEIR CHILD’S MEDICAL BILLS (51%)
Which of the following financial challenges, if any, would you be most worried about facing if your child/step-child became critically ill?
Loss of income due to absence from work
54%
Difficulty to pay for treatments/medical bills
51%
41%
36%
Inability/struggle to pay everyday living expenses (food, electricity bills)
Inability/struggle to make mortgage/rent payments
Reduced future income due to being unable to keep the job you held before your child/step-child became critically ill
Risk of losing our home/needing to move somewhere with lower mortgage/rent payments
Need to delay retirement
None of the above
39%
35%
30%
11%
Males: 36%; Females: 47%
Males: 45%; Females: 63%
Males: 40%; Females: 30%
Males: 30%; Females: 43%
Q200. Multiple responses allowed. Base: All working Canadians with children (n=797).
16. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
14
16
18
20
21
23
30
41
49
50
55
I believe that the government would provide support to meet my family's needs
I believe my/my partner's critical illness insurance would cover my needs
I would need financial support from family members (excluding my spouse/partner)
I believe my/my partner's disability insurance would cover my needs
I would have to sell my house/downsize my home/move somewhere with lower
rent
I would have to get into debt
I/my partner would need to delay retirement
I would have to live frugally (i.e. cutting back on restaurants, vacations, etc.)
Use all/some of my/my partner's savings
I/my partner would have to continue working
EITHER THEMSELVES OR THEIR PARTNER TO CONTINUE WORKING. FOUR IN TEN (41%) WOULD
EXPECT EITHER THEMSELVES OR THEIR PARTNER TO HAVE TO DELAY RETIREMENT
IF THEIR CHILD BECAME CRITICALLY ILL, OVER HALF (55%) OF WORKING CANADIANS WOULD NEED
Ontario: 46%
Atlantic Canada: 41%
Single, with children: 28%
Single, with children: 33%
If your child became critically ill, which of the following, if any, would you have to do to cope financially?
%. All strategies mentioned by 10% or above
Q207. Multiple responses allowed. Base: All working Canadians with children (n=797).
17. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
15
Q275. Multiple responses allowed. Base: Total (N=1,786).
Government-funded
healthcare system
(Federal or Provincial)
Other government
assistance (Federal or
Provincial, excluding
healthcare) Disability Insurance Critical Illness Insurance No assistance available I don't know
%
Hospitalization 74 12 25 21 2 14
Medical treatment (including drugs and
medication, excluding hospitalization)
50 22 34 28 4 16
Medical equipment
(e.g. wheelchair, prostheses, etc.)
28 22 44 29 5 20
Healthcare services
(e.g. nursing assistance, physiotherapy, etc.)
32 20 41 33 5 19
Living expenses
(e.g. food, transportation,
excluding housing costs)
10 12 32 30 23 23
Mortgage/housing costs 5 7 26 29 26 28
MANY WORKING CANADIANS THINK THAT GOVERNMENT FUNDING WOULD COVER HOSPITALIZATION
(74%) AND MEDICAL TREATMENTS (50%) FOR CRITICAL ILLNESSES. LESS THAN A THIRD UNDERSTAND
THAT CI INSURANCE COULD FUND LIVING EXPENSES (30%) AND MORTGAGE PAYMENTS (26%)
Quebec: 57%
Atlantic Canada: 39% 18-29 Yr.. Olds: 16%
60-69 Yr. Olds: 17%
60-69 Yr. Olds: 37%
In the event of a critical illness, the average Canadian is likely to face a range of costs, such as those listed below. Do you believe the average Canadian can obtain assistance to
cover those costs from any of the following?
%
60-69 Yr. Olds: 19%
18. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
16
If you became critically ill, had to stop working and live for a period of time using only your savings and/or investments, how much time do you think you would you have before
your savings ran out?
%
42
22
13
22
More than 24 months
More than 12 months, up to 24
More than 6 months, up to 12
6 months or less
16 MONTHS ON AVERAGE (12 MEDIAN)
Average # of Months By Region
10 11 15 21 25
18-29 30-39 40-49 50-59 60-69
Average # of Months by Age
15 19 16 13 15
Significantly higher/lower than the average of the other groups shown
IF WORK WAS IMPOSSIBLE DUE TO A CRITICAL ILLNESS, WORKING CANADIANS
BELIEVE THEY COULD LAST 16 MONTHS USING THEIR SAVINGS
Q270. Base: Total (N=1,786).
Ontario Quebec BC Atlantic AB/SK/MB
19. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
17
If you became critically ill, had to stop working and live for a period of time using only your savings and/or investments, how much time do you think you would you have before
your savings ran out?
%
42 50
35
57
47 44
32
22 23
21
24
20 24
23
13
12
14
6
14 13
13
22 16
30
12
19 19
32
6 months or less More than 6 months, up to 12 More than 12 months, up to 24 More than 24 months
All Women Men Single
w children
Married
w children
Married
no children
Single
no children
Average 16 13 18 10 14 14 19
Median 12 7 12 6 10 12 12
IF NOT ABLE TO WORK, WOMEN AND SINGLE PARENTS WITH CHILDREN WOULD BE ABLE TO SURVIVE
THE LEAST AMOUNT OF TIME ON JUST THEIR SAVINGS (13 AND 10 MONTHS, RESPECTIVELY)
Q270. Base: Total (N=1,786).
Significantly higher/lower than the average of the other groups shown
20. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
18
PERCEPTIONS OF CRITICAL ILLNESS RISK
Working Canadians, in
general, are realistic about
their chances of experiencing
a critical illness, perhaps
because many have seen
a family member suffer
from one.
“
”
21. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
19
51
59
60
64
64
65
18
15
11
6
10
9
30
26
29
30
26
25
True False I don't know
WHEN PRESENTED WITH STATEMENTS ABOUT CRITICAL ILLNESS SHOWN BELOW,
MOST WORKING CANADIANS BELIEVE THEM TO BE TRUE, THOUGH A QUARTER DO NOT KNOW
IF THEY ARE TRUE OR FALSE
One in 2.2 men and one in 2.4 women living in Canada will develop cancer during their lifetime
One in two men and one in three women will develop heart disease in their lifetimes
The likelihood of Canadians with cancer surviving five years or more is 63%
80% of hospitalized heart attack patients survive the event
85% of stroke patients survive their first stroke
There are an estimated 50,000 strokes in Canada each year
Males : 56%
Females: 62%
Males: 69%
Females: 61%
50-69 Yr. Olds: 73%
Q136. Base: Total (N=1,786).
1. Statements taken from Canada Life LifeAdvanceTM, “A look at critical illness insurance claims” and referenced to Heart and Stroke Foundation of Canada (2009); Canadian
Cancer Statistics 2013, Hakim, Silver & Hodgson, 1998
To the best of your knowledge, are the statements below true or false?
%. All statements shown below are true1
22. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
20
% 18-39 Yrs. Old 5 47 32 33
% 40-49 Yrs. Old 4 50 39 26
% 50-69 Yrs. Old 9 55 42 21
Q140. Base: Total (N=1,786).
A friend/ colleague/
acquaintance
Myself A family member No one
6
50
Do you know anyone who has suffered a critical illness?
37
27
ALMOST 3 IN 4 (73%) WORKING CANADIANS KNOW SOMEONE WHO HAS SUFFERED A CRITICAL
73% know someone who has suffered a critical illness, or have suffered one themselves
ILLNESS OR HAVE SUFFERED ONE THEMSELVES. HALF (50%) HAVE SEEN A FAMILY MEMBER SUFFER FROM A CI
Significantly higher than the average of the other groups shown
Do you know anyone who has suffered a critical illness?
%
23. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
21
13%
70%
16%
Higher than Average Same as Average Lower than Average
WORKING CANADIANS ARE LARGELY REALISTIC ABOUT THEIR CHANCES OF EXPERIENCING
A CRITICAL ILLNESS. SEVEN IN 10 (70%) BELIEVE THEY HAVE THE SAME CHANCE AS EVERYONE ELSE
Q160. Base: All working adults who have not experienced a critical illness (n=1,680).
Compared to the average Canadian do you believe that your risk of experiencing a critical illness is higher, the same or lower?
24. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
22
Q165. Multiple responses allowed. Base: All working Canadians who believe their risk of suffering a critical illness is lower than that of the average Canadian (n=267).
3
39
45
48
61
I see my doctor regularly and am told that I'm healthy
I lead a very healthy lifestyle – I exercise and eat well
I don't have a history of critical illnesses in my family
My parents and/or grand-parents lived long and healthy lives
Other reasons
LEADING A HEALTHY LIFESTYLE IS THE MAIN REASON WHY WORKING CANADIANS MAY FEEL
THAT THEIR RISK OF EXPERIENCING A CRITICAL ILLNESS IS LOWER THAN AVERAGE
Which of the following statements describe why you believe that your risk of experiencing a critical illness is lower than that of the average Canadian?
%
25. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
23
A FAMILY HISTORY OF CRITICAL ILLNESS IS THE MAIN REASON WHY WORKING CANADIANS MAY THINK
THEIR RISK OF SUFFERING A CRITICAL ILLNESS IS HIGHER THAN AVERAGE
2
18
22
48
54
I have a history of critical illnesses in my family
I don't exercise enough and/or eat well and/or have a stressful life
My parents and/or grand-parents did not live long and/or healthy lives
My doctor has told me I'm at risk for a critical illness
Other reasons
Q166. Multiple responses allowed. Base: All working Canadians who believe their risk of suffering a critical illness is higher than that of the average Canadian (n=225).
Which of the following statements describe why you believe that your risk of experiencing a critical illness is higher than that of the average Canadian?
%
26. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
24
12
5
13
18
21
23
23
27
31
34
IF LOOKING TO PURCHASE CI INSURANCE, WORKING CANADIANS WOULD MOST LIKELY TURN TO
THEIR CURRENT INSURANCE COMPANY OR FINANCIAL ADVISOR/INSURANCE BROKER
If you were to consider purchasing critical illness insurance for yourself or your family who/where would you turn to for information?
%
Q260. Multiple responses allowed. Base: Total (N=1,786).
An insurance company I currently deal with
I don't know
I don't currently deal with a financial advisor/insurance
broker but would contact one to get information
A bank I currently deal with
Call various insurance companies to compare their products
Visit the website of an insurance company I currently deal with
Friends/family or colleagues
Visit various insurance companies' websites to compare their products
The internet
A financial advisor/insurance broker I currently deal with
27. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
25
18
10
13
16
20
31
38
44
WORKING CANADIANS SHOW A GENERAL DESIRE TO MITIGATE RISK IN THEIR LIVES. SIX IN TEN (62%)
62%
PURCHASE TRAVEL INSURANCE OR ARE A MEMBER OF A CAR INSURANCE CLUB
British Columbia: 53%
Ontario: 40%
Atlantic Canada: 38%
Which, if any, of the following statements apply to you?
%
Q290. Multiple responses allowed. Base: Total (N=1,786).
When I go on vacation I usually purchase travel insurance and/
or purchase extra health care insurance
None of the above
I have a backup electricity generator
I purchased insurance on my/my spouse's wedding rings
I always carry an extra mobile phone battery or charger with me to
ensure that my mobile phone does not run out of battery power
When I purchase an electronic device I typically buy
the extra warranty to protect my purchase
I have an emergency food and candle supply
that would last me/my family several days
I am member of a car insurance club, such as the CAA
28. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
26
AWARENESS AND UNDERSTANDING
OF CRITICAL ILLNESS INSURANCE
We wanted to understand if working
Canadians understood the term, ‘critical
illness’ and if they knew about critical
illness insurance. Though there is a
general awareness of what a critical illness
is, many did not know about the insurance
that is available, or were confused
about the coverage it provides.
“
”
29. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
27
Q100. Base: All giving an answer to Q100 (N=1,620).
2
4
4
4
6
7
9
18
19
27
An illness that requires immediate attention
Life-altering/life-changing illness
Insurance/Lump sum
Long-term/chronic illness
Cancer/heart disease/heart attack
An illness that requires daily/regular care/attention
Extreme/severe illness
An illness that causes inability to work/is debilitating/incapacitating
Life-threatening illness
Terminal illness/no cure
WORKING CANADIANS ARE MOST LIKELY TO EQUATE ‘CRITICAL ILLNESS’ WITH ‘TERMINAL ILLNESS’.
ONE IN FIVE (18%) DEFINE CRITICAL ILLNESS AS PREVENTING AN INDIVIDUAL FROM BEING ABLE TO WORK
What do you understand the term 'critical illness' to mean?
%
30. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
28
Have heard of “Critical illness insurance”
ONLY 6 IN 10 WORKING CANADIANS (58%) ARE AWARE OF CRITICAL ILLNESS INSURANCE
58%
42%
Q120. Base: Total (N=1,786).
Significantly higher than the average of the other groups shown
% Single, with children 62 38
% Married, with children 65 35
% Single, no children 49 51
% Married, no children 56 44
Before today, had you ever heard of the term 'critical illness insurance'?
Have not heard of “Critical illness insurance”
31. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
29
Q126. Multiple responses allowed. Base: Total (N=1,786).
Heart attack 88%
Life-threatening cancer
Alzheimer's disease
Injuries sustained due to an accident
80%
51%
61%
52%
32%
10%
9%
Congenital heart disease
Type 1 or juvenile diabetes
Deafness
Coma
Loss of limbs
47%
44%
Kidney failure
Benign brain tumour
Paralysis
Major organ transplant
Asthma
6%
5%
8%
7%
THE FOUR CONDITIONS WORKING CANADIANS BELIEVE AFFECT THE GREATEST NUMBER OF CANADIANS
ARE COVERED BY MOST CI POLICIES
Quebec: 69%
Atlantic Canada: 61%
Not covered by most critical illness insurance policies
Please select the 5 conditions you think affect the greatest number of Canadians.
32. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
30
Q125. Multiple responses allowed. Base: Total (N=1,786).
Major organ transplant
Life-threatening cancer
Kidney failure
Heart attack
Paralysis
Coma
Deafness
None of the above
Asthma
Type 1 or juvenile diabetes
Injuries sustained due to an accident
Benign brain tumour
Congenital heart disease
Alzheimer's disease
Loss of limbs
72%
63%
59%
63%
63%
55%
51%
50%
55%
55%
35%
32%
6%
49%
35%
THE CONDITIONS WORKING CANADIANS ARE MOST LIKELY TO EXPECT TO BE COVERED BY CI
INSURANCE ARE INCLUDED IN MOST POLICIES. HOWEVER, HALF INACCURATELY BELIEVE THAT
INJURIES SUSTAINED FROM AN ACCIDENT ARE ALSO LIKELY TO BE COVERED
Not covered by most critical illness insurance policies
Which conditions from the list below do you think would be covered by most critical illness insurance policies?
33. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
31
4
9
5
15
5
20
24
6
30
7
21
7
36
40
34
26
38
13
4
8
3
11
3
15
32
37
28
42
32
45
Critical Illness ONLY Disability ONLY Both Neither I don't know
KEY FEATURES OF CI INSURANCE AND HOW IT DIFFERS TO DISABILITY INSURANCE
ARE LARGELY UNKNOWN BY WORKING CANADIANS. ONLY 1 IN 5 (20%) CORRECTLY IDENTIFY
THAT CI CLAIMS ARE PAID AS A LUMP SUM, WHILE DISABILITY CLAIMS ARE NOT PAID IN THIS MANNER
Claims are paid as a lump sum
Claims replace a proportion of your income from employment/self-employment
The amount paid for a claim is not affected by other income you may have
Claims may stop when you begin working again
Payments for claims can be used in any way you see fit
Claims pay out a monthly benefit, typically a % of your salary prior to your disability or illness
Correct Answer
Atlantic Canada: 51%
Quebec: 27%
Quebec: 34%
British Columbia: 43%
British Columbia: 39%
Q135. Base: Total (N=1,786).
To the best of your knowledge, do the following statements apply only to critical illness insurance, apply only to disability insurance, apply to both critical illness and disability
insurance or apply to neither types of insurance?
%
35. HEAD COUNTHEAD QUARTERSHEAD SPACEHEAD RESEARCH
33
6
17
28 28
4
17
11 13
38
24
7 7
0
10
20
30
40
Alberta BC/Territories Ontario Quebec Man/Sask Atlantic
Region
Employment Status
Marital Status
11
28
36
23
1
0
10
20
30
40
High school
or less
Technical
degree
Undergraduate college
degree
Graduate/Professional
degree
Prefer not to answer
Education
13
23 24
39
2
0
10
20
30
40
50
Less than $50k $50k- <$75k $75k - <$100k $100k + Prefer not to answer
Household Income
22
67
9
1
0
25
50
75
Single, never married Married/ Common law Separated/ Divorced Widowed
49 51
0
20
40
60
Male Female
Gender
85
3
11
1
0
25
50
75
100
Employed (FT) Employed (PT) Self-employed Not employed
15
26
23
26
10
0
10
20
30
18-29 30-39 40-49 50-59 60-65
Age
Unweighted Weighted
STUDY SAMPLE CHARACTERISTICS
(%)
Base: Total; N=1,786.
Regional boosts were implemented to support regional-level reporting. National data shown in this report has been weighted by region to be nationally representative.