Connect with us

Health

Family Insurance in Canada

Published

 on

Family Insurance

Comprehensive family insurance in Canada today is a million-dollar industry that encompasses many private and public insurance companies. These companies cover families for the many potential risks that often leave people in a financial bind, including mandatory coverage such as car insurance and other coverage such as health, home, and life insurance.

Canadian families have many options when it comes to protecting themselves against life’s unexpected dire consequences. Over time, Canada’s insurance industry has grown, developed, and changed to meet the needs of its residents, embracing current trends and providing desired products while keeping costs under control.

 

Medical Care for Loved Ones: Health Insurance

Medical coverage falls under the umbrella of optional family insurance in Canada. Although Canadians are fortunate to be provided with medical coverage under provincial health plans, there are nevertheless gaps in the program that can be filled with additional private health insurance. For instance, regional health plans do not typically cover dental or vision care or medical expenses when traveling outside the country. Many Canadians obtain private coverage for prescription drugs if they are not among those who qualify for assistance.

Canada’s health insurance system has a long history. Saskatchewan was the first province to pass laws providing coverage in 1946, and by 1961 all the regions had followed suit. In 1984, the Canada Health Act set forth federal standards by which provinces could receive funding from the federal government. According to a 2009 poll, more than 86% of Canadians support the local health care system.

Health insurance in Canada has faced several challenges over time. More recently, there is a push to privatize health care in some areas, despite popular opinion. Canada’s health care system is relentlessly scrutinized, and its policies are a topic of ongoing discussions. Still, in the meantime, families can obtain additional medical coverage from private insurance providers to fill the provincial plans’ gaps.

 

Public and Private: Car Insurance

One of the largest family insurance areas in Canada is the car insurance industry, a field that has undergone much change over the years. When cars first became available in Canada, a few large companies were already offering personal coverage lines to Canadians. One of the nation’s oldest insurance companies is the Dominion of Canada General Insurance Company, which opened its doors in 1887 and still offers auto policies and other types of coverage today.

As the need for auto insurance increased, things changed across the country. Some provinces devised their public coverage system, such as Manitoba’s Autopac, while others chose a general plan of insurance similar to that used in the United States. With more cars on the road, provinces eventually passed laws requiring that all drivers carry a liability insurance policy. With insurance now mandatory, the competition for Canadians’ insurance dollars became fierce.

In time, provinces with a public system had to improve the laws to protect consumers from overpaying for insurance. Several areas have now implemented maximum rates that insurance providers must adhere to, and have established control over when and how rates can be raised, in the hope of decreasing the number of people driving without insurance because they cannot afford it.

 

 

The Roof over your Head: Home Insurance

Homeowners insurance is also a significant consideration when it comes to comprehensive family insurance in Canada. In time, the need for coverage grew as the cost of homes rose, and more families could not recover from fire and other damages. At the same time, mortgage companies required some protection from substantial financial losses when homes were destroyed. Homeowners insurance is designed to protect both parties. In Canada, this type of insurance is sold by public companies in all provinces instead of auto insurance, only in particular areas.

In 1839, the Gore Mutual Fire Insurance Company was the oldest property and casualty insurer in Canada. Since that time, many more companies have opened their doors, providing Canadians with coverage to protect their homes and property from many risks, including fire and theft.

 

Protecting Those Left Behind: Life Insurance

When you think about family insurance in Canada, one of the first things that probably pops into your mind is life insurance, most likely because of its direct human connection. Life insurance protects families from financial disaster when the primary breadwinner in the household passes away unexpectedly. It offers an immediate financial cushion to a family experiencing instability and provides them with time to recover without worrying over finances.

Although life insurance was once considered somewhat of a luxury for the wealthy, it has become a vital part of Canada’s family insurance and addresses all levels of income. With so many companies selling life insurance, rates have become competitive over the years, making it easier for Canadian families to choose the coverage they need at a price they can afford.

 

Coverage for Your Family Today

It is easier than ever to provide your family with comprehensive insurance coverage. Multiple insurance companies are operating in Canada that offer a wide range of policies for Canadian families. Although the primary three – auto, home, and life- are the most common policies, other significant family insurance areas should be taken into accounts, such as health insurance, travel insurance, and dental and vision care insurance.

Continue Reading

Health

The latest news on COVID-19 developments in Canada – moosejawtoday.com

Published

 on


The latest news on COVID-19 developments in Canada (all times Eastern):

6:30 p.m.

British Columbia’s top doctor is cracking down on the spread of COVID-19 with a new public health order that restricts gatherings in private homes to a maximum of six guests.

The so-called “safe six” rule came as provincial health officer Dr. Bonnie Henry reported the highest-ever three-day jump in infections in B.C. with 817 cases confirmed between Friday and Monday.

Henry is also upping what she called her “expectation” that people wear non-medical masks or face coverings in public spaces at all times, though it’s not an order.

She says two schools have been closed temporarily after cases of COVID-19 were detected and there is a new community outbreak associated with the Surrey Pretrial Services Centre.

____

5:50 p.m.

Alberta is imposing a mandatory 15-person limit on social gatherings in Edmonton and Calgary.

Voluntary measures are also being recommended in the two cities, with people being advised to wear masks at work and limiting their circles to three cohorts.

Dr. Deena Hinshaw, the province’s chief medical health officer, says the warning bell is ringing.

She says she’s concerned about increasing case numbers.

The province is reporting 1,440 cases over the last three days.

____

5:20 p.m.

Quebec is extending its partial lockdown order for another four weeks.

Premier Francois Legault told a news conference today that the rates of new, daily COVID-19 cases and deaths linked to the virus are too high.

Legault said gyms, bars and most entertainment venues will remain closed until Nov. 23 in the province’s biggest cities.

The premier said businesses that refuse to obey lockdown orders will be fined.

____

3:30 p.m.

Nova Scotia public health officials are warning passengers on an Air Canada flight from Toronto to Halifax of a potential exposure to COVID-19.

Air Canada Flight 626 on Oct. 24 left Toronto at 9:30 p.m. and landed in Halifax at 12:15 a.m. on Oct. 25.

Officials are asking passengers who sat in rows 18 to 24 and in seats A, B and C to call 811 for advice and to continue to self-isolate. 

Officials say anyone exposed to the virus on this flight may develop symptoms up to and including Nov. 7.

____

2 p.m.

New Brunswick is reporting three new cases of COVID-19 and 60 active cases overall.

Two of the new cases are in the Fredericton region and one is in the Campbellton region, where public health officials are battling an ongoing outbreak.

Officials say the two cases in the Fredericton region are travel-related, and the case in Campbellton is under investigation.

New Brunswick has had 331 confirmed COVID-19 cases since the onset of the pandemic, including six deaths.

____

1:30 p.m.

Health officials have announced a woman in her 80s is the latest death connected to Manitoba’s deadliest outbreak at a care home.

Eighteen people at Parkview Place in Winnipeg have died.

There were 100 new infections announced Monday, the vast majority in the capital city, which is under enhanced restrictions after a stark increase in infections during recent months.

Dr. Brent Roussin, the chief provincial public health officer, says the increasing numbers have put pressures on the health-care system.

There are 80 people in hospital and 15 people in intensive care.

There have been 4,349 cases in Manitoba, and 2,117 are currently active. 

Fifty-five people have died.

____

1 p.m.

Newfoundland and Labrador is reporting one new case of COVID-19, and five active cases overall. 

The new confirmed case is a woman in her 50s who returned to the province from work in Alberta.

Public health officials say she has been self-isolating and contact tracing is underway.

Newfoundland and Labrador has now had 291 cases of COVID-19 since the onset of the pandemic, including four deaths.

____

12:40 p.m.

All of the Alberta politicians who came into contact with a provincial cabinet minister infected with COVID-19 have tested negative for the virus.

Municipal Affairs Minister Tracy Allard tested positive for COVID-19 last Wednesday. 

She had interacted during the previous week with Premier Jason Kenney, Transportation Minister Ric McIver and United Conservative MLAs Angela Pitt, Peter Guthrie and Nathan Neudorf. 

Kenney received his negative test result last Thursday, but has said he would continue to isolate at home for a week as a precaution.

Christine Myatt, a spokeswoman for Kenney, says the other four have also tested negative and will continue to self-isolate.

____

12:40 p.m. 

Nova Scotia is reporting one new case of COVID-19 and now has five active cases of the virus.

Health officials say the new case is in the central health zone and the person is a close contact of a previously reported travel-related case.

Nova Scotia has confirmed 1,101 COVID-19 cases and 1,031 cases are now resolved.

There have been 65 deaths since the onset of the pandemic.

____

12:30 p.m.

Officials say an outbreak of COVID-19 at a Manitoba jail began with a guard who worked for two days before developing symptoms.

The outbreak at Headingley Correctional Centre, just west of Winnipeg, now includes 33 inmates and six staff members.

Justice officials say five staff at other facilities and one inmate at a youth correctional facility have also tested positive.

Justice Minister Cliff Cullen says the pandemic is being taken very seriously and the province has developed comprehensive plans, including instructional videos for inmates and staff, to deal with the situation.

He says inmates and guards are required to wear masks and interactions between people has been limited.

The opposition New Democrats and union leaders have been critical of the provincial response to the pandemic behind bars, saying it puts inmates and guards at risk.

____

11:15 a.m.

Quebec is reporting 808 new COVID-19 cases and 10 additional deaths linked to the virus.

Two of those deaths were in the past 24 hours, while six were from last week and the two others were from an unknown date.

The number of hospitalizations dropped by eight from a day earlier to 543, and the number of patients in intensive care cases decreased by four to 93.

The province has now recorded 100,922 COVID-19 infections and 6,153 deaths — the highest in the country.

____

11 a.m.

Ontario is reporting 851 new cases of COVID-19 today, and six new deaths due to the virus.

Health Minister Christine Elliott says 281 cases are in Toronto, 215 in Peel Region, 90 in York Region and 76 in Ottawa.

The province says it has conducted 28,652 tests since the last daily report, with an additional 17,603 being processed.

In total, 295 people are hospitalized in Ontario due to COVID-19, including 78 in intensive care. 

Meanwhile, Premier Doug Ford’s office says it will not announce today whether the province will impose stricter COVID-19 restrictions on two Toronto-area regions. 

Ford had said Friday that the experts would look at the caseload in Halton and Durham regions over the weekend to determine whether they need to roll back to a modified Stage 2 of the province’s pandemic recovery plan.

____

10:45 a.m.

A coalition of about 200 Quebec gym, yoga, dance studio and martial arts business owners say they intend to reopen their doors on Thursday in defiance of provincial health restrictions.

The businesses are calling on Quebec Premier Francois Legault to lift COVID-19 restrictions that were imposed on fitness facilities Oct. 8.

In a statement, they say their facilities were not the source of COVID-19 outbreaks and they contribute to the overall physical and mental health of the population.

They say the lockdown measures will force them out of business after they’ve made significant investments to comply with health rules. 

They plan to reopen across the province, but will back down if health authorities are able to demonstrate by Thursday that their operations are sources of outbreaks.

____

This report by The Canadian Press was first published Oct. 26, 2020. 

The Canadian Press

Let’s block ads! (Why?)



Source link

Continue Reading

Health

Health unit reporting Monday's second new case of COVID-19 – Sudbury.com

Published

 on


Public Health Sudbury & Districts is reporting a new case of COVID-19, the second new case of the day for Oct. 26.

This is the 125th case overall that has been reported in Greater Sudbury and Manitoulin since March.

The latest case has been determined to have been in close contact with another known case of COVID-19. The person was tested on Oct. 24 and is currently self-isolating. 

According to the Public Health Sudbury & Districts website, there are currently 13 known active cases in our area.

Public Health Sudbury & Districts is reminding everyone that the safest options are to avoid non-essential travel, limit indoor gatherings to your own household, and otherwise be outdoors or go virtual, practise physical distancing, masking, and handwashing, and of course, stay away if you have any symptoms.

As much as possible, Ontarians are encouraged to limit outings to essentials like going to work or school, picking up groceries, attending a medical appointment, or engaging in outdoor physical activity. For all outings, continue to practise COVID-safe behaviours like distancing and wearing a face covering.

As of October 3, 2020, the Province of Ontario is pausing social circles and advising that all Ontarians allow close contact only with people living in their own household and maintain two metres physical distancing from everyone else. Individuals who live alone may consider having close contact with another household.

In any instance where a positive case is identified in a school setting, Public Health Sudbury & Districts will work directly with the individual who tested positive, the school board, and school, and conduct timely case and contact follow up and provide direction. To protect the privacy of individuals, Public Health will not routinely identify the school if a case is confirmed in a school setting. Schools boards and schools will communicate directly with the school community in the event of a positive case in a school setting.

In the instance of a confirmed COVID-19 outbreak in a school, Public Health Sudbury & Districts will publicly report the outbreak, identify the affected school, and describe any closures that have resulted from the outbreak. An outbreak in a school will be declared if there are two or more cases of COVID-19 in a 14-day period that have some link with each other, and with evidence that infection occurred at the school.

If individuals are identified as close contacts of a case in a school setting, Public Health Sudbury & Districts will contact them or their parent or guardian directly to provide direction. If you have any questions related to individual schools, please contact the school directly.

For general information on schools and COVID-19, visit phsd.ca/health-topics-programs/diseases-infections/coronavirus/schools/ or call Public Health Sudbury & Districts at 705.522.9200 (toll-free 1.866.522.9200).

Prevent the spread of COVID-19:

  • Wash your hands often and when visibly dirty for 15 seconds.
  • Cover your cough or sneeze with your arm or a tissue, throw the tissue in the garbage and wash your hands.
  • Avoid touching your eyes, nose, and mouth.
  • Continue to practise physical distancing, because any close contact could be a possible exposure to COVID-19.
  • Masks or face coverings must be worn in all indoor public places in Sudbury and districts, and they should also be worn in other settings where physical distancing cannot be maintained.
  • Avoid contact with people who are sick.
  • Self-monitor for symptoms of COVID-19.
  • Stay home if you are unwell and get tested.

If you have a COVID-19 symptom or have been exposed to the virus as informed by Public Health or the COVID Alert app, get tested. As of September 24, 2020, the Province of Ontario has updated the eligibility and testing criteria for COVID-19 assessment centres. Stay informed and seek testing if necessary.

Travel information:

All residents who are planning to travel should be aware that COVID-19 is still circulating at different levels around the province. The safest options are to stay in the area of your home community or to stay in the region.

For anyone who has recently travelled, visit the Public Health Agency of Canada website for updates on COVID-19 exposures.

If you think you have travelled somewhere (within or outside of Ontario) where you may have been exposed to COVID-19, call us at 705.522.9200 (toll-free 1.866.522.9200).

Anyone who has travelled outside of Canada is directed to self-isolate for 14 days from their arrival in Canada.

Updates about COVID-19 testing, confirmed cases, and outbreaks in Greater Sudbury, the District of Sudbury, and the District of Manitoulin are posted online.

For more information or if you have questions or concerns, please visit phsd.ca/COVID-19 or call Public Health Sudbury & Districts at 705.522.9200 (toll-free 1.866.522.9200).

Visit Ontario’s website to learn more about the province’s response to COVID-19.

Let’s block ads! (Why?)



Source link

Continue Reading

Health

Canadian Press NewsAlert: Quebec reaches more than 100,000 total cases of COVID-19 – TimminsToday

Published

 on


MONTREAL — Quebec reached more than 100,000 total cases of COVID-19 on Sunday, becoming the first province in Canada to hit the somber milestone since the pandemic began in March.

But despite remaining the country’s coronavirus epicentre, public health experts say a recent downward trend of infections is an encouraging sign.

“It’s a moment where we all sit up and say wow, 100,000 – that’s a lot of zeroes,” said Erin Strumpf, an associate professor at McGill University specialized in health economics.

“But again I think the more important thing to be paying attention to is the trend that we’ve been seeing recently in the province.”

The province reported 879 new cases on Sunday, bringing the total to 100,114 infections since the start of the pandemic.

The curve of new infections appears to have flattened over the past few weeks though, Strumpf said in an interview.

That downward trend, she said, coincides with stricter public health guidelines that aimed to stem the spread of the virus.

The government ordered the closure of bars and gyms, among other places, in hard-hit areas and advised residents to limit their contact with people who do not live in their households.

Montreal and Quebec City are among several Quebec regions that remain under the highest COVID-19 alert.

Strumpf said it is hard to pinpoint what exact measures are responsible for flattening the curve, however.

She added that she expects to see many public health restrictions remain in place moving forward. “It’s very difficult to know right now or to predict how long those closures may stay in place,” she said.

Still, the high COVID-19 infection numbers bring up painful memories for Quebecers who lost loved ones during the pandemic.

July Mak, whose 68-year-old father Paul contracted COVID-19 in a long-term care home in Montreal and died at the end of March, said the pain of her father’s death has not eased with time.

“To see these numbers this high… it blows my mind,” Mak said in an interview Sunday.

She said she wants the Quebec government to recognize that its COVID-19 data is more than just numbers — and thousands of people across the province have been directly affected.

“They mattered,” Mak said, about the thousands who have died.

On Sunday, Quebec Health Minister Christian Dube said on Twitter that the number of new infections is “stable but remains high.”

Those cases can turn into hospitalizations and deaths, Dube warned, urging Quebecers to remain vigilant to reduce transmission.

Quebec health officials also reported 11 additional deaths attributed to the novel coronavirus, bringing the total to 6,143.

Five of those additional deaths took place in the past 24 hours, five were reported between Oct. 18-23 and one occurred at an unspecified date.

Hospitalizations went up by two across the province, for a total of 551. Of those, 97 people were in intensive care — an increase of four compared to the previous day.

The province said it conducted 25,378 COVID-19 tests on Friday, the last date for which the testing data is available.

This report by The Canadian Press was first published Oct. 25, 2020.

Jillian Kestler-D’Amours, The Canadian Press

Let’s block ads! (Why?)



Source link

Continue Reading

Trending