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Critical Illness Insurance – What is this all about?

Critical illness insurance, also known as critical illness cover or dread disease policy, is an insurance product wherein the insurer is contracted to make a lump sum cash payment should the policyholder get diagnosed with one of the illnesses on the list as part of an insurance policy. If you are looking to get this type of insurance, it is equally important that you first try to get critical illness insurance quote from different insurance providers. This will allow you to determine how much you need to pay for the insurance.

critical illness insurance quoteThese days, having critical illness insurance actually helps in complementing medical and disability income coverage you may get from your insurance provider. The insurance coverage itself helps in providing ease as to the financial impact that a critical illness can bring, especially since it is a lump sum you will be getting from your insurance provider, it can greatly lower your financial burden brought about by additional expenses. In fact, advancements in modern medicine has allowed many critical illnesses like heart attack, stroke, or cancer to be recoverable.

Most medical plans actually provide coverage on hospital and medical expenses that arise from critical illness. However, there are still some expenses that are not covered by medical plans. A critical illness insurance policy will feature the following:

  • Lump sum payment for you to use
  • Dependent coverage
  • Convenient payment options
  • No obligation to submit expense receipts
  • Coverage that can go with you should you leave your employer

Of course, when getting a critical illness insurance, it is important for you to understand the exclusions as well as the limitations of the coverage of the insurance policy. While the insurance does greatly complement medical and disability income coverage, knowing and understanding the confines of the policy is still very important. Nevertheless, with critical illness insurance coverage, should you be struck with any of the listed critical illness, the financial impact of that certain illness can be greatly eased thanks to the lump sum you can get from the insurer.

There are many types of insurances available. However, when it comes to employee benefits, one of the best ones to get is critical illness insurance as this is a form of protection that will provide the policyholder with lump sum payment should they develop any critical illness that is covered in the list of critical illnesses by the insurer. Everybody is aware and understands the burden and financial strain of getting and developing any critical illness. However, without any form of financial relief, this burden and strain can greatly cause the afflicted with more weight on their shoulders. By being properly insured with critical illness insurance, this burden can be made lighter as the insurer will be paying a lump sum to the policyholder.

In Canada, it is estimated that over 70,000 heart attacks occur each year, along with 40,000-50,000 strokes each year. Additionally, around 3,000 Canadians will be diagnosed with cancer every single week. Considering the quaint population of Canada, this number is still a lot. Although one cannot really fight falling under this statistics, by having critical illness insurance, you can however lower your burden should you develop or be diagnosed with one.

Volunteering – A Canadian Way Of Life

Volunteering is a big part of Canadian life. Many Canadians are generous when it comes to helping others. Every year, 12.5 million volunteers give their time, energy and skills to make our communities better.

According to Volunteer Canada, much of what Canadians take for granted is delivered to us by volunteers. The work of volunteers is essential to our communities and to our social fabric.

Canada’s Volunteer Crunch

Over twelve million volunteers in Canada is a lot, but a small percentage of Canadians are carrying most of the load, and most of them are already in their seventies. As they step down and become fewer in number, a whole new generation of volunteers needs to fill their places -in new and varied ways.

First Time Volunteer? What To Expect

The best part about volunteering is that you will have a chance to contribute to something you care deeply about. You will have an opportunity to use your skills in a meaningful way and meet new people who share your interests.

You have rights and responsibilities

Know the Code
The Canadian Code for Volunteer Involvement is a good place to learn about your role and the standards that non-profit organizations strive to uphold.

As a volunteer, you have the right to expect orientation and training, to give and to receive feedback, and to receive assignments that reflect the mission or purpose of the organization.

All I want to do is help, why do I have to be screened?
All organizations that provide programs to vulnerable people – like children, seniors or people with disabilities – whether run by staff or volunteers, have a responsibility to appropriately screen their volunteers.

Adapt Your Volunteer Program

There are nearly 12.5 million volunteers in Canada. While that number may seem quite high, a small percentage of Canadians are carrying most of the load…and many of them are already in their seventies. As they step down and retire from their volunteer careers an enormous gap in volunteer contribution will occur, and a whole new generation of volunteers will be needed to fill their places – in new and varied ways.

Enter the baby boomers. There are 11 million Canadians in their forties, fifties or sixties and at a point in their lives where many seek new ways to connect to others and contribute to their communities.

You may be a baby boomer yourself. If so, you bring that valuable perspective to your work. Or, you may be younger and need to learn more about this large and influential demographic so that the work you do with baby boomer volunteers will be a good experience for them and will be effective for your organization.

Your organization’s ability to meet its mission might just depend on whether or not you can attract – and keep – baby boomers as volunteers. Voluntary organizations will need to be open to rethinking and restructuring the way they do business. Strategic volunteer management in the competitive new millennium means making changes in all aspects of your organization and requires the participation of everyone – from front line staff to the CEO – and even buy-in from your Board of Directors.

This introductory workbook is for the people who manage and work with volunteers in Canada’s 161,000 non-profit community organizations, charities, service clubs, foundations and aid agencies. You’ll find strategies and information about restructuring and rethinking your approach to volunteers in order to successfully recruit and retain this potential group of key volunteers. In addition, you’ll find a selection of exercises to help you reflect on how your organization can tap into the energy and expertise of baby boomer volunteers.

Consider the facts:

  • Voluntary organizations are more or less dependent on volunteers to get their work done.
  • Canadian volunteers contributed over two billion volunteer hours to organizations in 2007 – the equivalent of one million full-time jobs.
  • Every year, over 12.5 million volunteers give their time, energy and skills to make our communities better.
  • There is a soft decline of 1-2% per year in volunteering in Canada. A small percentage of Canadians are carrying most of the load, and many of them are already in their seventies.
  • As older volunteers step down and become fewer in number, a whole new generation of volunteers needs to fill their places – in new and varied ways.
  • In 2008, a baby boomer turned 50 every seven seconds.
  • Three out of ten baby boomers who volunteer do not return for a second year. 20% of these lost volunteers are never replaced.

Design A Schedule That Works

Short term (episodic) or a regular commitment?
Volunteering doesn’t have to take a lot of time. Between work, children, aging parents, homes, hobbies, friends, appointments, and other commitments, you may not think you have much time left over. But your involvement can be as much-or as little time as you have.

You can volunteer sporadically, to help out at a special event, or on an on-going basis, for one day a week or a few days a year.

If you go away on holidays, your volunteer work can be put on hold or shared with another volunteer.

Front line help or behind-the-scenes support?
You can join your local community clean-up or lead the development the funding proposal.

Volunteering from home or out in the community?
Virtual volunteering can be done from home through Internet sites that link volunteers with recipients. You could connect to kids who need homework help or people who need a life coach.

Whatever you choose, be realistic about your commitment
Organizations can accommodate your interests and your time frame, no matter how little or how much you can do– but they do need you to show up when you say you will. The people they serve count on you.