Disability insurance is the most important insurance coverage for a hygienist to own but can be the most difficult to get. If you are a graduating hygienist, now is the best time to obtain your coverage!

  • Coverage is available without evidence of health – No need to worry about declines, increased premiums or exclusions
  • Guaranteed $1500/month of coverage without regards to income
  • Most competitive premium rates on the market – Other insurance companies deem dental hygienists a very risky occupation class and charge a much higher premium

Yes. The Blue Cross contract is a strong disability contract which includes good definitions and guarantees. Their contract offers:

  • 24 hour protection throughout Canada
  • Guaranteed contract provisions
  • A regular occupation definition which protects you in your job as a hygienist
  • Indexation of your disability benefit according to inflation every 12 months once disabled up to a maximum of 3%/year
  • Automatic increases to your monthly benefit to help keep pace with your increasing income
  • Return to work bonus which helps you get back on you feet following a disability of 24 months or more
  • Partial disability benefit which pays the claimant 50% for 24 months and 25% thereafter should he/she suffer a partial disability
  • Ability to add a return of premium and have up to 100% of premiums refunded at age 65, any claims paid out will be subtracted from the refund

* Please note that Blue Cross will integrate with benefits received from other sources, and if evidence of health is not given a 12 month pre-existing condition exclusion is applicable. Blue Cross also reserves the right to increase premiums; however should they choose to do so premiums must be increased for an entire class of policy holders.

  • Accidental Fracture – Receive a lump sum of up to $10,000 if you suffer a fracture.
  • Extended Health Care – Have your drugs, paramedical practitioners and emergency travel expenses covered. There are 2 plans options available, one that requires evidence of health and one that does not.
  • Critical Illness Insurance – Receive a lump sum benefit if you contract a critical illness and get your premiums back if you don’t. Evidence of health is required.
  • Life Insurance – Protect your dependents and have your debts paid in the event of your death. Evidence of health is required.

Yes, coverage can be carried anywhere in the world.

If you have the plan already in place, it is portable worldwide. However, you must obtain the coverage before you leave Ontario.

Premiums are based on your age, gender and smoking status. If you pose a higher than standard risk, an additional premium could be applied.

There are many riders available including the cost of living rider, regular occupation extension, and return of premium. For the definitions of these riders, please see our products and services or ask your insurance representative.

The insurance company cannot change the provisions of your contract until after age 65. However, the insurance company reserves the right to increase premiums for an entire class of individuals should they experience an increase in claims. To date, we have never experienced an increase in premium.

You have until December 31st of the year you graduate to obtain the disability insurance offer.

Now. You should apply for coverage while you are a student in order to lock in the contract and premium rates. You also have no idea what the future holds for you, so getting coverage when you are most healthy is always recommended.

It you have loans, a mortgage or dependents you should be looking to obtain life insurance. For more information on the coverage available, please visit our products and services or speak with your insurance representative.

Critical Illness insurance will pay a lump sum benefit upon diagnosis of one of the covered illnesses (approximately 20 included). Many policies include an optional return of premium provision which allows for a refund of 100% premiums paid if you do not make a claim on the policy. As a resident you are eligible for 5 months free coverage as a resident with RBC Insurance. For more information on critical illness insurance, please visit our products and services or speak with your insurance representative.