IMPORTANT FEATURES OF A PROFESSIONAL, INDIVIDUALLY OWNED DISABILITY PLAN Guaranteed Contract – Only you can change or cancel it. The plan guarantees you will be protected against any further downgrades incurred by the chiropractic profession as a whole. Guaranteed Premiums – Premiums are level and cannot be increased. The plan guarantees that you are protected, even if claims increase for the chiroprac-tic profession as a whole. Portability – The plan stays with you even if you change occupations or move outside Canada. Cost-of-Living Rider – While on a dis-ability claim, your monthly benefit will keep up with inflation. This option guar-antees a cost of living raise each year you receive disability benefits. Future Insurability Rider – This is very important! This means that the plan allows you to purchase more insurance in the future without evidence of good health. In other words, it guarantees you will be able to buy more coverage in the future even if you have had a health change that would have made you oth-erwise uninsurable. Depending on the policy, it also ensures all future increases are based on the same terms, conditions and rates as the original policy. This is very important, as future rate increases and downgrades are expected. SEEk PROFESSIONAL GUIDANCE Disability plans require customizing to suit each profession and individual. Try-ing to research different plans and fea-tures yourself can be time consuming, often confusing, and usually produces limited results. Look for a professional advisor who specializes in disability in-surance and has experience with chiro-practors. Working with the right advisor will help you decide up front on the plan that’s best for you. An advisor will also be indispensable at claim time by helping you navigate the claims process and en-suring things go smoothly during what will surely be a stressful time. No matter how a disability happens, be it accident or illness, you deserve to live a life of dignity and financial inde-pendence. Your family also depends on the quality of your disability coverage. Make sure you have the proper type and the right amount. • www.canadianchiropractor.ca Seize the opportunity ! Let the technology speak for itself Curious to see how computer-assisted chiropractic can change your practice, your life and the health of your patients? Why not try it for free ! The best way for you to know if our technology could fit into your practice and your lifestyle, is to use it on your own patients in your own clinic. Experience it yourself COME SEE US AT THESE EVENTS SÉMINAIRE DE L’ORDRE DES CHIROPRATICIENS DU QUÉBEC MONT STE-ANNE, QC February 26-27 MANITOBA ANNUAL MEETING March 19-20 CMCC PRACTICE OPPORTUNIT Y ‘11 HOLIDAY INN, MARKHAM March 24 UPCOMING TRAINING SESSIONS TRAINING LEVEL 1 • Increase the number of new patients • Increase patients referrals • Increase patient retention • Decrease wear and tear on your body QUEBEC CIT Y, QC — MONTREAL, QC HAMILTON, ON — EDMONTON, AB HALIFAX, NS — MONCTON, NB COMOX, BC February 19, March 26 TRAINING LEVEL 2 April 9-10 SPINE-ALIGN HEADQUARTERS QUEBEC CIT Y, QC For more information on this limited offer, please contact us today. In c . 1 8 8 8 9 0 4 -7 2 07 CANADiAN CHiROPRACTOR | FEBRUARY 2011 • 35 [email protected] Exclusive Canadian Distributor spinealignchiro.com
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