• A person who is married to an eligible Canadian Forces (CF) member; or

• A person living with an eligible CF member for whom a written declaration of common law status has been filed with SISIP Financial Services (SISIP FS).

FAQ

• The coverage was acquired while the former spouse was your spouse. In the case of a common law spouse, you must have resided with that person for at least 12 consecutive months;

• There are dependent children for which you have a legally enforceable financial responsibility; and

• You don't maintain coverage for another spouse.

FAQ

• Has a severe and prolonged diagnosable disease, injury or health condition, for a period of at least six consecutive months, as confirmed by an attending medical specialist;

• Has been prescribed the appropriate treatments, medications and/or aids; that they have been taken and used properly and that they failed to produce sufficient improvement of the impairment(s) to alleviate the total disability; and

• Has Impairment(s) that are expected to last a minimum of a further twelve consecutive months, based on the application of established medical guidelines that leads reasonably to this conclusion, with the result that:

1. where the impairment is a physical impairment:

(a) you are unable to engage in all of the activities listed in two or more of the "Activity Categories" such as:

- Category A: personal care - eating, dressing, and personal hygiene;

- Category B: mobility - the ability to walk, using an aid, if necessary, at least 50 m on level ground; and

- Category C: household activities - childcare, home care, and food preparation, or

(b) you are rendered a paraplegic, quadriplegic, or hemiplegic; and,

2. where the impairment is a psychiatric impairment:

(a) you are unable to understand and process information that is relevant to making a decision concerning your own health care, nutrition, shelter, clothing, hygiene, financial affairs, and are unable to appreciate the reasonably foreseeable consequences of a decision or lack of decision; and,

(b) the mental impairment meets the diagnostic criteria for a mental condition recognized by the DIAGNOSTIC AND THE STATISTICAL MANUAL OF MENTAL DISORDERS - most current edition.

FAQ

FAQ

• Commencing during the first twelve months of coverage from disease, injury or health condition for which you consulted a physician within the 24-month period immediately prior to submitting an application;

• Resulting from substance abuse including, but not limited to, alcoholism and drug addiction;

• Resulting from committing or attempting to commit or, participating in the commission of a criminal offense;

• Resulting from an intentionally self-inflicted injury or disease, or attempted self-destruction whether sane or insane;

• For which there is no clear objective medical evidence to confirm and identifiable underlying disease, injury or health condition; or,

• Within 3 years of the denial of a claim for the same cause.

FAQ

• Death;

• The 65^th birthday;

• The date an insured becomes a member of the Regular Force or Primary Reserve Force on Class A or B or C reserve service;

• The end of the term for which the premium has been paid;

• The date SISIP FS or the Insurer Manulife Financial receives a written notice from a member requesting termination;

• The date an insured ceases to be a spouse, unless covered as a former spouse;

• For a former spouse, the date the member insures a new spouse under this Policy;

• The date benefits are paid under this Policy; or,

• The date of termination of this Policy.