Private Plans

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=185 BGCOLOR="#003333" TEXT="#F7F7FF" background="05bb9c00dduajq.jpg"> <div> <B> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="0" WIDTH="70" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 76 WIDTH="66"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="76" ALIGN="bottom" WIDTH="66" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></B></div> <div> <A HREF="id51.htm" TARGET="_top" TITLE="Canada Pension Plan"><U>Canada Pension Plan</U></A></div> <div> <B>Private Plans</B></div> <div> <A HREF="id55.htm" TARGET="_top" TITLE="Employment Insurance"><U>Employment Insurance</U></A></div> <div> <A HREF="id56.htm" TARGET="_top" TITLE="Ontario Disability Support Plan"><U>Ontario Disability Support Plan</U></A></div> <div> <A HREF="id6.htm" TARGET="_top" TITLE="Links"><U>More Information</U></A></div> <div> <A HREF="id7.htm" TARGET="_top" TITLE="Contact Us"><U>Contact us</U></A></div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>iaminjured.com</B></div> </td> <td valign="top" BGCOLOR="#FFFBF0" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B>iaminjured.com</B></FONT>    |     <A HREF="index.htm" TARGET="_top" TITLE="iaminjured.com"><U>home</U></A></div> <div> <A HREF="id51.htm" TARGET="_top" TITLE="Canada Pension Plan"><U>Canada Pension Plan</U></A>   |   <B>Private Plans</B>   |   <A HREF="id55.htm" TARGET="_top" TITLE="Employment Insurance"><U>Employment Insurance</U></A>   |   <A HREF="id56.htm" TARGET="_top" TITLE="Ontario Disability Support Plan"><U>Ontario Disability Support Plan</U></A></div> <div> Private Plans</div> <div> Not everyone is covered by a private plan.  Some people are concerned enough to buy their own plans.  However, most people who have such coverage will obtain it through their employment, where such benefits are part of the compensation package.</div> <bR> <div> <B>Are you protected?  A Toronto Star </B><A HREF="http://www.thestar.com/NASApp/cs/ContentServer?pagename=thestar/Layout/Article_Type1&c=Article&cid=1071097809872&call_pageid=968350072197&col=969048863851" TARGET="_top" TITLE="http://www.thestar.com/NASApp/cs/Content"><U><B>column</B></U></A><B> provides some questions and answers on life and disability insurance</B></div> <bR> <div> A lot of people may not even be aware that they have such coverage.  Most unions insist on some type of benefit plan, and many non-unionized employers provide these plans for their employees.</div> <bR> <div> These plans are usually provided by insurance companies, and there is a wide variety of the type of coverage that might be found in such a plan.  It may provide coverage for specified medical expenses, with percentage limits on what will be covered.  There may be coverage for short term disabilities and often, long term disabilities.  Life insurance is also frequently included.  </div> <bR> <div> Some of these plans exclude work accidents, while others will provide coverage for work injuries (but usually require a reduction for any workers compensation benefits received).</div> <bR> <div> Generally illnesses are covered under most policies.</div> <bR> <div> Accidents occuring outside of work are usually covered, regardless of cause.</div> <bR> <div> For work accidents, if you are getting your full workers' compensation, there may or may not be additional benefits available depending on the calculation under the policy.  In those situations where WSIB has denied your claim, and you are engaged in the lengthy appeal process, it would make sense to apply for your benefits under such plans to ensure you have income in the meantime.</div> <bR> <div> Be sure you understand the kind of benefits available under the plan.  A common situation is a "short term" plan (typically 26 or 52 weeks) that does not cover work accidents, and then a "long-term" plan that will cover work accidents.  </div> <bR> <div> Remember, long term does not mean permanent.  Disability is determined on a month to month basis, as long as your condition continues.  </div> <bR> <div> Most plans have time limits for applying for benefits, and time limits for suing the insurer if they wrongfully deny or terminate your claim.  It is recommened that you at least file the appropriate application forms as soon as possible after your injury.</div> <bR> </td> </tr></table></body>