FIRMS GROUP INSURANCE PLAN

Having trouble finding a group insurance plan that is AFFORDABLE COMPREHENSIVE FLEXIBLE

Chartered Professional Accountants of Ontario (The Institute of Chartered Accountants of Ontario), in partnership with Sun Life
Assurance Company of Canada, Clews & Associates Life Insurance Consultancy Inc., and Canadian Benefit Administrators Ltd., offers a
group insurance plan designed specifically for small to mid-sized Firms and management consultant firms. The Firms Group Insurance
Plan provides basic life, long term disability, critical illness, extended health care and dental insurance coverages which include features
not typically available to small firms, such as:
major restorative dental vision care orthodontia (some limitations apply) health care spending account

The Firms plan is available to you, even if you have only one insurable life in your Firm.

10 IMPORTANT REASONS why you should join the Firms plan with Sun Life
Peace-of-mind
Affordable rates
Pooled experience
Coordination of coverage
Flexibility
Service
E-services
Sun Life Assurance
Company of Canada
Canadian Benefit
Administrators Ltd.
Clewes & Associates Life
Insurance Consultancy Inc.
The Firms plan will help give you and your employees financial security in the event you become ill,
disabled or die.
With the Firms plan, you get large group purchasing power and access to competitive pricing. Plan
design and financial administration is overseen by Chartered Professional Accountants of Ontario (CPA
Ontario) to ensure a financially well-managed plan and the best value for your dollar.
 our Firms claims experience is pooled with other Firms, not with high-risk industries, so your premium
Y
rates will only reflect the claims experience of skilled professionals.
The plans insurance coverage is designed to complement the coverage you may have under CPA
Ontarios Individual plan available to Members, so your benefits are not duplicated.
Choose insurance coverages to suit the needs of your Firm. Start by selecting basic life and extended
health care and dental insurance coverages, and build on your program by adding optional life, long
term disability, critical illness insurance coverages and a health care spending account.
The plans partners have experienced and knowledgeable staff available to answer your questions and
provide help.
For your convenience, Sun Life Assurance Company of Canada, the plans insurer, provides extensive
Internet services to help you access your extended health care and dental insurance benefit and claims
information quickly and easily. You can navigate the plan member services site to:
submit claims online
print personal claim forms
view or print details of your claims
find out about medical coverage before travelling out-of-province
look up when you are eligible for your next pair of eyeglasses or dental recall exam
The plan is underwritten by one of Canadas leading financial services companies, which has earned
among the highest ratings from respected rating organizations.
Premium billing and collection are processed through a third-party administrative firm, saving you both
time and money.
Professional advice regarding your plan is accessible through a convenient 1-800 telephone line.

MS20121009
BASIC LIFE AND ACCIDENTAL DEATH & Includes

DISMEMBERMENT Waiver of premium in the event of disability

Conversion privilege
Help safeguard the financial well-being of your family and
loved ones in the event of your death.
LONG TERM DISABILITY INSURANCE
Features and Provisions Designed to help protect you and your family by providing a
Amount of insurance source of monthly income if an accident or sickness prevents
you from working.
Partners and sole proprietors
You can choose to add long term disability (LTD) coverage,
Minimum of $50,000 to a maximum of $200,000, in units either the enhanced or basic plan, to your Firms insurance
of $25,000 program. If you, as the owner, choose to add the insurance to
Full-time employees your insurance program, then all employees must be covered
under this plan (subject to satisfactory evidence of health in
Minimum of 2 x earnings to a maximum of $200,000 some cases).
Partners and sole proprietors may choose not to be covered
Includes under this insurance, if already covered under CPA Ontarios
Waiver of premium in the event of disability Individual Income Protection plan.

Conversion privilege
Features and Provisions
OPTIONAL LIFE INSURANCE Amount of insurance
Enhanced
An added measure of protection.
 60% of your monthly earnings to a maximum of $5,000
You can choose to add optional life coverage to your Firms
Choice of taxable or non-taxable
insurance program. If chosen, you and your employees, and
spouse and children if applicable, can decide to apply for the Basic
insurance.  50% of your monthly earnings to a maximum of $5,000
Optional Life insurance is subject to satisfactory evidence of  Non-taxable
health.
Includes
Features and Provisions Waiver of premium in the event of disability
Amount of insurance Rehabilitation
Minimum of $25,000 to a maximum of $250,000, in units Cost of Living Adjustment (enhanced plan only)
of $25,000 5-year own occupation definition of total disability for
Dependent children partners and sole proprietors (enhanced plan only)
$5,000 or $10,000 (covers all children)

CRITICAL ILLNESS INSURANCE

Dealing with the physical and emotional impact of a critical illness is hard enough without having to worry about the financial
burden. Critical illness insurance is designed to help give you peace-of-mind so you can concentrate fully on what matters most
your recovery.
Following the diagnosis of a covered critical illness, a prescribed survival period, and approval of the claim, this insurance pays a
one-time, lump-sum benefit that you can use any way you want - to seek other treatment, purchase specialized equipment, pay
your mortgage, or invest for your future.
You can choose to add critical illness insurance to your Firms insurance program. If chosen, you and your employees, and spouse if
applicable, can decide to apply for the insurance.
Critical Illness insurance is subject to satisfactory evidence of health.

Features and Provisions

Amount of insurance
Minimum of $20,000 to a maximum of $100,000, in units of $10,000

Includes coverage for 10 critical illnesses

heart attack major organ transplant stroke cancer paralysis
kidney failure blindness deafness multiple sclerosis coronary artery
bypass surgery
EXTENDED HEALTH CARE AND DENTAL INSURANCE
Comprehensive, yet cost-effective solutions for your health care needs.
You have the choice of adding either the enhanced or basic extended health care (EHC) and dental insurance plan to your Firms
insurance program.

Features and Provisions

Some of the eligible expenses are:

EHC ENHANCED Reimbursement 100% BASIC Reimbursement 80%

Pay-direct prescription drug card Pays up to $6 of the dispensing fee Does not pay dispensing fee

Semi-private hospital Maximum $150 per day Not covered

Vision care Maximum $200 per 2 calendar years Not covered

Paramedical services
chiropractor, Maximum $500 per calendar year for each
Not covered
massage therapist, practitioner

physiotherapist, etc

Orthotics Maximum $150 per calendar year Not covered

DENTAL ENHANCED Reimbursement level BASIC Reimbursement level

Basic services
annual check ups
90% 80%
endodontics (root canal)
periodontics (gum treatment)
Dentures and major restorative
50% Not covered
dentures, crowns, bridgework
Orthodontia
available to firms with 10 or more 50% Not covered
employees
$1,500 per calendar year for basic services,
Annual maximum dentures and major restorative combined $1,000 per calendar year for basic services
$1,500 lifetime for orthodontia

HEALTH CARE SPENDING ACCOUNT TAKE ADVANTAGE OF THIS VALUABLE

An easy, tax-effective way to include more health-care choices
in your insurance program.
Adding a health care spending account (HCSA) allows you and
your employees to take care of health care needs beyond those
reimbursed by your EHC and dental insurance plan. By using
before-tax HCSA dollars rather than your own after-tax dollars,
you can cover eligible expenses for acupuncturist and medical
practitioner services, full-time care in a nursing home, and
other services and procedures not covered under your EHC
and dental plan.
You have the choice of adding a health care spending account
to your Firms insurance program.
CALL NOW
If you have at least one insurable individual in your Firm or
management consultant firm, a customized group insurance
program is available to you.
MEMBER BENEFIT
Contact Brian Clewes of Clewes & Associates. A group
insurance specialist with in-depth knowledge of the Institutes
plan is only a telephone call away.
For a quotation and enrolment information:
call 1-800-667-4574 or 416-493-5586 (Toronto area)
fax 416-493-5061
e-mail bclewes@clewesconsult.com
Some insurance coverages and benefit amounts are subject to
satisfactory evidence of health. Contact Brian Clewes for more
details.
This brochure provides the highlights and not the details of the
Firms Group Insurance Plan. The complete terms, conditions,
limitations and exclusions governing the insurance coverage
are found in the group insurance policy issued to The Institute
of Chartered Accountants of Ontario (Chartered Professional
Accountants of Ontario) by Sun Life Assurance Company
of Canada, a member of the Sun Life Financial group of
companies.