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Covid-19 Vaccine Ontario Updates

Featured / Other Insurance

Covid 19 Ottawa,Ontario Vaccine Updates

Ontario Covid-19 News and UpdatesOntario has a three-phase plan that prioritizes vaccines for those at greatest risk of severe illness and those who care for them. As vaccine supply is delivered across the province, public health units may have different vaccine administration rates based on local context.

Ontario is using different channels to administer the vaccines and reach most of the population. Implementation will vary as each channel, priority population and vaccine has specific criteria that require flexibility.

How to book a COVID-19 vaccine appointment

COVID-19 vaccines will be available to everyone in Canada who are recommended to get the vaccine by federal, provincial and territorial public health bodies.  Find the information at this link Ontario-Covid19.Ontatio.ca on how you can schedule your vaccine appointments in Ontario. You can also do this for someone else, if you manage their medical care and appointments.

Use this system to verify your identity and book your vaccination appointment.

To book you must:

  • meet the current eligibility criteria as outlined in phase one and phase two of our three-phase plan
  • have a green photo health (OHIP) card (you will need numbers on both sides of the card, expired cards will be accepted)
  • have an email address (or you can use the email of the person helping you)

 

Eligible groups

If you are not a member of one of these groups, you may not be currently eligible. Learn when more groups will become eligible:

    • 55 years old or older in 2021
    • 40 to 54 years old in 2021
    • Front-line health care workers
    • Personal support workers
    • Licensed child care workers
    • Special education workers
    • Education workers in elementary and secondary schools
    • Essential caregivers for care home residents
    • Residents and staff in shelters, community living, or other group living settings
    • Residents and staff in long-term care, assisted living, or retirement homes
    • First Nations Elder care home residents and staff
    • First Nations, Métis, and Inuit adults
    • People with highest risk health conditions and their caregivers
    • Chronic home health care recipients

 

What to expect at your vaccination

Authorized vaccines

Health Canada has authorized vaccines for use in Canada. Not all of the authorized vaccines are available in all areas of the country.

All authorized vaccines are proven safe, effective and of high quality.

For detailed information on authorized vaccines, including how they work, ingredients and possible side effects, go to:

Before you get to your appointment

Before you arrive at your vaccination appointment:

  • talk to your health care provider about any questions or concerns you may have about vaccination
  • plan which strategies you'll use during vaccination to limit discomfort or pain
  • contact your provincial or territorial health authority if you have additional questions about how to prepare for your vaccination

Tips for a comfortable vaccination experience

Some people may experience pain or discomfort from vaccination because of the needle. But there are a number of techniques you can use to make the vaccination more comfortable and limit pain or discomfort.

Some helpful strategies include:

  • sit upright during vaccination
  • wear a short-sleeved or loose-fitting top
  • relax your arm by letting it feel loose and jiggly
  • use deep breathing to help you relax and feel calm
  • if you feel dizzy or faint, tell the person who's vaccinating you right away
  • distract yourself by reading or listening to music, or have a conversation
  • talk to your health care provider ahead of time about pain relief that you can take

Possible side effects and reactions

After getting vaccinated, it's common and normal to have temporary side effects. These can last a few hours to a few days after vaccination. This is the body's natural response, as it's working hard to build protection against the disease.

Common vaccine side effects may include:

Symptoms at the injection site, such as: Flu-like symptoms, such as:
  • redness
  • soreness
  • swelling
  • chills
  • fatigue
  • joint pain
  • headache
  • mild fever
  • muscle aches

Managing common side effects at home

You can take medicine after your vaccination to help with any pain or to lower a fever. Ask your health care provider what they recommend to manage symptoms.

You can also:

  • apply a clean, cool, wet washcloth over the area you received the injection
  • use or exercise your arm
  • drink plenty of fluids

Allergic reactions

Allergic (anaphylactic) reactions are very rare. Symptoms of an allergic reaction include:

  • hives (bumps on the skin that are often very itchy)
  • swelling of the face, tongue or throat
  • difficulty breathing

Call 911 right away if you develop any serious symptoms after vaccination or symptoms that could be an allergic reaction.

Reporting a possible serious reaction

You should also report any serious reactions or side effects to your health care provider. Reported allergic reactions and side effects to COVID-19 vaccines are published weekly:

After getting vaccinated

The person vaccinating you will let you know where to wait and for how long after vaccination. The usual wait time is about 15 minutes or more. This allows time for you to be watched for possible reactions or side effects. Let someone know if you're experiencing any symptoms following vaccination.

After vaccination, ask for a record of any vaccines you receive.

If a second dose is needed, return at the time advised by your health care provider.

Continuing public health measures

It isn't yet known whether the spread of COVID-19 can be stopped by vaccination alone. Because of this, it's essential that everyone continue to follow public health measures to help stop the spread of COVID-19 in our communities.

Learn more about preventative practices to limit the spread of COVID-19.

 

Canada Recovery Sickness Benefit (CRSB)

Get income support if you can't work or are self-isolating due to covid 19.

Call 1-833-966-2099 and press 0 to speak to someone if you have questions.

Help stop the spread of Covid-19

The virus can be spread to others from someone who’s infected but not showing symptoms. This includes people who:

• haven’t yet developed symptoms (pre-symptomatic)
• never develop symptoms (asymptomatic)

This kind of spread is known to happen among those who are in close contact or are in enclosed or crowded settings.

covid 19 can be a deadly disease. You can take actions to help stop the spread:

Complete Guide to buying life insurance

Featured / Life Insurance

A Complete Guide to Buying Canadian Life Insurance

Life Insurance ExplainedWondering how to get the best and cheapest life insurance in Canada for you and your family?
You’re not alone. The pandemic has shown Canadians that we are not invincible. In fact, 44% of us now plan to buy life insurance because of the effects of COVID-19, but not everyone is confident in understanding what life insurance is, the cost and other details. That’s why we’re breaking it all down here.

This guide will show you:

  • What is life insurance?
  • How does is it work?
  • Do you need life insurance?
  • How much life insurance do you need?
  • What are the different types of life insurance?
  • Which one is the best?
  • How much does life insurance cost in Canada?
  • Life insurance extras: Some other things to consider
  • Buy the life insurance: How Canadians can prepare

What is life insurance?

How does it work?

In Canada, it is a contract between you and an insurance provider that you make monthly or annual payments (better known in the industry as “premiums”); in return, under specific conditions—namely, death—your family or other people you name will be paid an agreed-upon amount. The amount you pay has many factors, such as how much coverage you need and the type of policy, or package, you select.  Packages can vary, but generally Canadians opt for enough coverage for funeral expenses, to pay any outstanding debt (think: mortgage, credit cards, car loans, etc), as well as to supplement any income that would be lost during a grieving period (should their surviving loved ones miss work) and beyond (the absence of your paycheques to provide for the family members left behind). It can also be used to pay for future expenses, like your children’s post-secondary education or to make charitable donations.

To be clear: Life insurance isn’t for you—it’s for your dependents.

It is intended to help the people you leave behind continue life in a way that’s as close to they are accustomed to as possible. That includes the ability to make mortgage payments, as well as pay household bills and any other debt. That also includes future debt, too, like your children’s education. The life insurance industry is formed around offering Canadians the ability to customize their policies, so that payments and coverage fit your budget and your financial priorities for the future. We explain how life insurance works, as well as how to get the best coverage for your loved ones for a price you can afford.

Do you need life insurance?

It’s fair to say that not everyone needs it: No dependents, no debt, no problem.

But before you write off the idea that you don’t need it, ask your self these questions:
  • Do you have dependents? This could be a partner, children or even parents
  • Do you have a mortgage?
  • How many years are left on the mortgage?
  • Do you have any student loans that are still outstanding?
  • Do you have any outstanding debts that could fall upon family to pay for after you’re gone?
  • Do you want to leave money to charity?
  • Do you want the ability to cash out a life insurance policy to make a big purchase in the future?
  • Are RESPs large enough to fund your kids’ education?
  • Would your family be OK without your income?
  • How much money do you have saved?

If you get the sense from your answers that your loved ones would benefit from a life insurance policy payout if anything were to happen to you, then you could request a quote.

Of course, shop around and compare quotes, but know that if you complete too many questionnaires for quotes, it could raise a red flag and increase your premiums or even get you denied coverage. (It is like how applying for too many credit cards can affect your credit score.) We outline the different scenarios of when you should get life insurance, and when you shouldn’t, in a separate article—Do I really need life insurance?
 

How much life insurance is enough?

To get the right amount of life insurance for your situation, start by deciding how much you need.

This number determines not only how comfortable your family will be after you pass, but how much you will pay for it, too. The average Canadian life insurance policy is $200,000, but many life insurance professionals suggest that this coverage may not be enough. In fact, the rule of thumb is 10 times your annual income. The truly ideal amount for you is specific to you, and your family and lifestyle.
Here is a simple calculation that can help you come up with your own number.
LIFE INSURANCE POLICY AMOUNT
=
Outstanding debt
+
(Net annual income X number of years you want to provide for family
+
Mortgage still owing
+
Children’s educations
This will help determine and predict the assets (what you own) and your liabilities (what you owe) that you will leave to your loved ones. It can help you determine your current financial state, which could also help you create new goals.
 

What are the different types of life insurance?

Which one is the best for you?

There are two major types of life insurance in Canada: Term and permanent. Term life insurance is purchased over a set period of time—say, 10, 20 or 30 years. It tends to be cheaper than permanent life insurance for most people’s situations. On the other hand, whole life insurance, a very common type of permanent insurance, doesn’t expire. It covers you for your whole life, hence the name. Other types of permanent insurance include universal and term-to-100. The value of universal life insurance is based on the underlying investments in the policy. Meanwhile, term-to-100 provides covers until you are 100 years old and has no cash value.
Term and whole are often compared as the best life insurance options in Canada. You should know there are other differences between these two. For example, with whole, you can pay off your premiums early and still be covered. With term insurance, once you stop paying, the insurance coverage is done. Plus, you may be able to cash out a whole life

How much does life insurance cost in Canada?

Life insurance rates vary, with monthly premiums ranging from $13 to $100.

The reason for such a wide gap? Life insurance policies are created around individuals, and they can be as unique as you would like them to be. In addition to the above, what insurance packages can pay for after you pass, your debt and your risk of death affect the cost, too. Before you get a quote online or connect with a broker, it is a good idea to have a sense of your liabilities and assets, which indicates what you are leaving behind for your family. It is also eye-opening how much money you may need to leave your family. Then there are the types of life insurance, as well as your health, lifestyle and age and more to consider.

A guide to life insurance in CanadaLife insurance extras: Some other things to consider

While it may sound like an upsell, there is value in customizing your life insurance policy with “extras” that work for you.

If you are looking for a family plan, it is important to know this type of policy is actually a basic form of insurance with modifications and riders (amendments), such as a child rider. Since it is composed of different insurance products already, you may as well get it exactly as you need it. Maybe you are self-employed, or maybe your group benefits from your employer aren’t going to cut it. That’s when ensuring your policy, whether you pay for it or your company does, also includes short-term and/or long-term disability insurance. If you didn’t ask about it about when signing your employment contract, it’s not too late to ask the HR department. Critical illness is another type of coverage to consider, which offers you a single payment if you are diagnosed with a condition or disease such as cancer, multiple sclerosis or paralysis.

How Canadians can get ready when buying the best policy at the lowest rate

You’ll need to prepare a few things before you buy life insurance in Canada.

In addition to having an idea of what kind of policy you would like to buy (term or permanent) and whether you need any additional coverage or riders (children, disability and/or critical illness), think about how much you can reasonably spend on premiums each month or each year. And you should also have a good sense of how much money you need to leave to your family, loved ones or even a charity that’s important to you. This will have you better prepared to answer the questions for a quote. You will also be asked health-related questions, like if you smoke, if you’ve had certain conditions and your family history.
Depending on whether you go through a broker, online broker or directly through an insurance provider, you will be given a range of quotes to choose from.
(This is how a broker has access to different policies and providers and how they get paid.) And once you are ready to apply, you will need proof of the following: Identity (driver’s license, social insurance number, birth certificate, passport), income (paystub, letter of employment), address (property tax statement, mortgage bill, lease, letter from your landlord). You will also need to set up automatic payment of your premiums. You will be given a life insurance policy and illustration, which outlines your agreement as well as projections for the value of the policy. You can request to have both a digital and paper copy of your policy to keep for reference.

 

If you need help getting life insurance or want to find the lowest rates in Ontario please fill out the contact form below.

Candian Life Insurance News

Featured / Life Insurance

Is There Any Such Thing As Affordable Life Insurance?

Affordable life insurance in Ottawa

 

Do you need affordable term life insurance? This seems to be the million-dollar question. When you want to purchase life insurance you often do not know how much you need or if there is such a thing as having too much life insurance. What constitutes affordable life insurance and how much you need is totally dependant upon your own situation.

Don't be fooled into determining the amount of insurance you should have to what your best friend or neighbour has. Remember, every situation is unique and your needs will be unique. Your need will be determined by what you wish to see happen in the event of your death. You do have to look at the life insurance cost of the premiums and decide how much you can afford from your monthly budget. There is affordable life insurance available at very low premiums and that will help your family out in the event of your death.

When considering what affordable life insurance is needed in a family situation, you need to do a life insurance comparison. This will help you get the most affordable rates and there are countless life insurance companies able to help you in this regard.

How much affordable life insurance do you need?

In order to determine how much life insurance you should have, a number of factors need to be considered. For a person with family needs, these may include such things as:
· Do you have dependants? If so, how long will they be dependant upon you?
· Do you have children? If so, how old are they?
· Do you want to insure your children have a post secondary education?
· Will your household income be greatly reduced upon your death? If so, how much income do you need to replace so your family maintains their standard of living?
· How long will you need to replace your household income?
· What taxes may be incurred upon your death?
· Do you need to cover debt obligations such as loans or a mortgage?

When you try to determine whether or not you can afford life insurance, think about whether or not your family can afford to be without affordable life insurance.

You can find affordable term life insurance, but you need to establish exactly what you need first.

Always Use An Independent Life Insurance Agent

Not all agents are the same, but here at Life Insurance-Orleans.ca we pride ourselves with providing quality service with no hidden agenda. 

We strive to form long term relationships and to offer all our clients the most suitable life insurance product at the most affordable rates!

We have access to over 35 of the top life insurers in the industry. If you want quality and the best service the industry has to offer, then call us today at 613.286.6841. We can help!

Candian Life Insurance News

Featured / Life Insurance / Universal Life Insurance

What are the advantages Of Whole Life Insurance

Advantages Of Whole Life InsuranceWhole life insurance also known as “permanent” or “straight” life insurance is one of the most applied forms of insurance. This life insurance policy covers one’s entire life. This is much in demand because of its ability to provide financial protection and accrue cash value and pay dividends to the insured. In other terms, you can say it as an investment, that you make to secure your future build up finance that helps you in your indigence.

Taking a whole life insurance policy leads to a number of benefits and advantages. Few of them are listed below.

The first advantage is The Death Benefit

The whole life insurance policy guarantees you the death benefit that never decreases. Moreover no federal income taxes are charged upon death. And if you desire, death benefit can be taken as a monthly income instead of a lump sum.

Consistency of premium level

Unlike term life insurance’s premiums, which increase at the time of renewal, the premium you pay in whole life insurance remains consistent. There’s no increase. However, use of dividends can minimize the premiums that you pay and contracted for.

“Cash value” is another beneficial feature of whole life insurance

Unlike other life insurance policies, whole life insurance policy accumulates the useable cash reserves. This increase as one pays premiums and also accumulates tax deferred. And if you decide to surrender the policy, you receive your cash values.

Participation in whole life insurance policy earns you the dividends

You are eligible to earn dividends if you own a participating whole life insurance policy. You receive this dividends in cash, which you can further use to either purchase a paid up additions, to minimize premiums or you can keep it within the policy to generate interest.

These advantages of whole life insurance policy are really worthwhile. If you are not confident you should consult with us before taking up any policy.

Life Insurance-Orleans.ca

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Critical Illness Insurance Do you really need it? Or is it a waste of time?

Critical Illness Insurance / Featured

Critical Illness Insurance Do you really need it? Or is it a waste of time?

Critical illness Insurance worth it?

GREAT NEWS! There's now a one in five chance of you winning the lottery before you retire.

Getting excited? Think it's just a matter of time before you win? Think again, it's not going to happen - but it got you thinking!

Now think of the same odds but this time about bad news. There is a 1 in 5 chance for men and a 1 in 6 chance for women that a long-term critical illness will prevent them from working. Sorry - this time it's true.

Insurance cannot change those odds but it can alleviate the potential financial wreckage caused by being unable to work through long-term illness and still having a family and home to support.

Convention declares that every good family man or woman should have life insurance. It's easily understood, it's accepted and your next door neighbour has it too. But what about it's close cousin critical illness insurance? You'll have to walk several streets to find someone who has it. Given the odds, why? After all it pays out a tax-free lump sum immediately an insured critical illness is diagnosed.

The usual reason given is its expense. Yes it is more expensive than life insurance but after all it's providing cover for a greater risk. You're much more likely to experience a critical illness than die before your normal retirement age. Indeed, the average age for a claim is 47. So clearly there is much more to the public's resistance.

Not understanding the risks or “head in the sand syndrome” are certainly major factors. After all Alzheimer's disease, bacterial meningitis, brain tumours and leukaemia plus the long list of other illnesses typically covered by critical illness insurance, are not matters we care to think of nor know much about.

Could there be another reason? Well there have been repeated newspaper articles about people who claim on their critical illness policy only to have it turned down on an apparent technicality – the inference being that the insurance company cannot be trusted. Indeed, on average insurance companies turn down around 20 % of critical illness claims.

The truth is that behind every story of rejection there's a harrowing story of illness, distress and sorrow - and potential copy for the journalist. But that in itself, is not evidence that the insurance company is guilty of devious behaviour.

Yes insurance companies do make mistakes, but more often than not the claim was invalid from the outset. There are two main causes. Firstly, the policyholder is claiming for an illness that is not one of the critical illnesses scheduled in the policy documentation. Regrettable, but it's a fact that if the illness is not listed it isn't insured and the policy won't pay out.

The moral is to closely compare the illnesses covered by competing insurance companies and buy the one with the most extensive coverage of illnesses. If you don't, sods law will prevail …….

The second major reason for refusal is a failure to disclose all relevant matters on the original application form. For example, if the applicant fails to disclose in response to the insurance company's questions that his father a died of a heart attack aged 50 or that he is having medical tests for headaches, then the insurance company will wrongly assess the risks it is being invited to insure. Had the insurance company known this extra information they might have increased the premium, or asked the applicant to go for a medical examination, or waited for the outcome of tests, or even refused to provide cover. By failing to disclose, the applicant has effectively obtained cover on false pretences or at least on inaccurate information.

Thereby lies the second moral. Always provide the truth <em>and the full truth </em> on your application form. Anything remotely relevant to your medical condition must be disclosed.

All this points to the need for professional insurance advice. Critical Illness policies do vary and it can take an experienced eye to evaluate the best policy for your circumstances and pocket. This doesn't mean that you have to miss out on the discounted premiums available online or non-medical critical illness policies - but do thoroughly talk it through with a licensed life and health insurance broker and do make sure you read the list of claimable illnesses listed on your policy.

Then sit back knowing you've taken another important step to protect your family's finances. Lets all hope that you're one of the majority who are happy never to claim.

It's now time to concentrate on enjoying life.

Life Insurance-Orleans.ca