For you, manulife group benefits claim form.#Manulife #group #benefits #claim #form


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Manulife group benefits claim form

Get the information you need

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Our commitment to employees

At Manulife, our goal is to foster an open, collaborative and inclusive work environment, while also addressing the varying needs of our diverse employee population. Read about why Manulife is an employer of choice.

Manulife and the environment

We all have a part to play in protecting our environment. At Manulife, we strive to minimize the environmental impact of our operations, responsibly manage the impacts of our investment activities and actively support the transition to a more environmentally sustainable economy. Read how Manulife is greening its business

Our work in the community

We have a long history of giving to communities in which we operate, dating back to our first recorded donation in 1904. Corporate donations are just one way we have a positive social impact. We also have a long-standing tradition of supporting our employees in their efforts to give back to their communities. Read about Manulife’s work in the community

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Our commitment to employees

At Manulife, our goal is to foster an open, collaborative and inclusive work environment, while also addressing the varying needs of our diverse employee population. Read about why Manulife is an employer of choice.

Manulife and the environment

We all have a part to play in protecting our environment. At Manulife, we strive to minimize the environmental impact of our operations, responsibly manage the impacts of our investment activities and actively support the transition to a more environmentally sustainable economy. Read how Manulife is greening its business

Our work in the community

We have a long history of giving to communities in which we operate, dating back to our first recorded donation in 1904. Corporate donations are just one way we have a positive social impact. We also have a long-standing tradition of supporting our employees in their efforts to give back to their communities. Read about Manulife’s work in the community


For you, manulife group benefits claim form.#Manulife #group #benefits #claim #form


Get the information you need

Manulife group benefits claim form

Get the information you need

Highlights

Uncover the Investment Truth

Submit your benefits claims

Online or with the app – get your money back fast! Get started now.

Uncover the mortgage truth with Manulife One

Manulife ETFs

Time-tested Approach. Diversification. Low cost. Start here.

CoverMe®

Deal directly with us to get a quote and apply for flexible, affordable insurance plans.

Download Manulife Mobile

to Manage Your Group Benefits and Group Retirement Services

Special Rates for Alumni, Retail and Association Members

Choose Manulife

Our commitment to employees

At Manulife, our goal is to foster an open, collaborative and inclusive work environment, while also addressing the varying needs of our diverse employee population. Read about why Manulife is an employer of choice.

Manulife and the environment

We all have a part to play in protecting our environment. At Manulife, we strive to minimize the environmental impact of our operations, responsibly manage the impacts of our investment activities and actively support the transition to a more environmentally sustainable economy. Read how Manulife is greening its business

Our work in the community

We have a long history of giving to communities in which we operate, dating back to our first recorded donation in 1904. Corporate donations are just one way we have a positive social impact. We also have a long-standing tradition of supporting our employees in their efforts to give back to their communities. Read about Manulife’s work in the community

  1. description
  2. description
  3. description

Our commitment to employees

At Manulife, our goal is to foster an open, collaborative and inclusive work environment, while also addressing the varying needs of our diverse employee population. Read about why Manulife is an employer of choice.

Manulife and the environment

We all have a part to play in protecting our environment. At Manulife, we strive to minimize the environmental impact of our operations, responsibly manage the impacts of our investment activities and actively support the transition to a more environmentally sustainable economy. Read how Manulife is greening its business

Our work in the community

We have a long history of giving to communities in which we operate, dating back to our first recorded donation in 1904. Corporate donations are just one way we have a positive social impact. We also have a long-standing tradition of supporting our employees in their efforts to give back to their communities. Read about Manulife’s work in the community


Are PC Financial Services and CIBC the same bank, Simplii Financial (formerly PC Financial), Discussion


Canadian High Interest Savings Bank Accounts

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Manulife financial claim forms Simplii Financial (formerly PC Financial)

Manulife financial claim forms Are PC Financial Services and CIBC the same bank?

Manulife financial claim forms

Manulife financial claim forms

Manulife financial claim forms

If my deposit with PC Financial has more than $100,000, CDIC stated that the excess is not insured since the insurance covers only up to $100,000. Would CIBC step in, if PC Financial goes under, and

takes over the uninsured amount as not having been a lost on my part. Please reply ASAP. I’m only a lurker who happened to stumble on your website hoping I’ll get an answer from you guys. I’ve inquired from CIBC ombudsman, PC Financial customer care, PC financial people at Loblaws pavilion, etc. but none can give me an answer. Turning to you for an answer is my last resort for now.

February 22, 2013

Manulife financial claim forms

Short answer: NO.

CDIC covers bank accounts in Canada. Each account is covered up to $100,000.00. That’s it! If PC Financial went under CDIC would be the entity covering your PC Financial deposit, up to $100,000.00. For that matter, if CIBC went under CDIC would be the entity covering any CIBC deposit account , again up to $100,000.00.

There are ways round this — accounts held individually are separate from accounts held jointly. For more detailed info see this link to CIDC’s website..

And from the latest (January 2013) privacy policy: “. to your PC Financial personal banking products. which are provided by the direct banking division of CIBC . “.

December 23, 2011

Manulife financial claim forms

If my deposit with PC Financial has more than $100,000, CDIC stated that the excess is not insured since the insurance covers only up to $100,000. Would CIBC step in, if PC Financial goes under, and

takes over the uninsured amount as not having been a lost on my part. Please reply ASAP. I’m only a lurker who happened to stumble on your website hoping I’ll get an answer from you guys. I’ve inquired from CIBC ombudsman, PC Financial customer care, PC financial people at Loblaws pavilion, etc. but none can give me an answer. Turning to you for an answer is my last resort for now.

One would assume if PC Financial was in trouble and CIBC would take over . but another institution could also take over . and keep in mind what assume means . lol.

Being proactive, I would consider not going over 90,000 in any CDIC institution and find other CDIC high interest institutions (only if you are comfortable with them) to deal with as well or a Credit Union as they are usually unlimited. Take a look at what your province CU’s have to offer, Winnipeg CU’s as well.

Also keep in mind that some CU’s (BC for sure) offer insurance on US dollar accounts while CDIC does NOT.

Depending on how many accounts you have at PC like savings, chequing, TFSA, RRSP etc. Sometimes they say that a joint account may be covered for 100000 and a TFSA for another 100000 etc. . something you need to verify on the CDIC site.

December 12, 2009

Manulife financial claim forms

Umm, if you’re suggesting deposit insurance for PC Financial and CIBC is insured separately, you are wholly incorrect. (Edit: In short, Greg’s answer is mostly correct but I seek to add some additional clarity with this response. kanaka’s response is the incorrect one to which I was referring.)

PC Financial operates simply as a “branch transit” of CIBC. If you have accounts in the same ownership (i.e., sole with same Social Insurance Number – not joint with one and sole with another) with both companies, the CDIC deposit limits would be the same and I believe CIBC’s and PCF’s deposit insurance disclosure pages on their websites reflect this.

I just wanted to clarify this as this is an important distinction that must be spread incorrectly.

That said, deposits with a “Big 5” bank like CIBC really don’t need deposit insurance. The whole deposit insurance scheme is reassurance we don’t really need and meant for the smaller institutions. If CIBC had failed completely, the world and Canada would be in a very sorry state, everyone would’ve already rushed to traditional safe havens like gold and mattresses and we’d all be building underground bunkers and protecting our personal property with various traditional means, if you know what I mean. In short, it’d be a situation I’d not want to be in. Manulife financial claim forms

December 23, 2011

Manulife financial claim forms

Umm, if you’re suggesting deposit insurance for PC Financial and CIBC is insured separately, you are wholly incorrect. (Edit: In short, Greg’s answer is mostly correct but I seek to add some additional clarity with this response. kanaka’s response is the incorrect one to which I was referring.)

PC Financial operates simply as a “branch transit” of CIBC. If you have accounts in the same ownership (i.e., sole with same Social Insurance Number – not joint with one and sole with another) with both companies, the CDIC deposit limits would be the same and I believe CIBC’s and PCF’s deposit insurance disclosure pages on their websites reflect this.

I just wanted to clarify this as this is an important distinction that must be spread incorrectly.

That said, deposits with a “Big 5” bank like CIBC really don’t need deposit insurance. The whole deposit insurance scheme is reassurance we don’t really need and meant for the smaller institutions. If CIBC had failed completely, the world and Canada would be in a very sorry state, everyone would’ve already rushed to traditional safe havens like gold and mattresses and we’d all be building underground bunkers and protecting our personal property with various traditional means, if you know what I mean. In short, it’d be a situation I’d not want to be in. Manulife financial claim forms

Thanks. I only put this in because I recalled looking at CDIC in regards to mergers. I dont use PC. I did not realize there was a disclaimer. I stand corrected.

My point remains:

Being proactive, I would consider not going over 90,000 in any CDIC institution and find other CDIC high interest institutions (only if you are comfortable with them) to deal with as well or a Credit Union as they are usually unlimited.

Manulife financial claim forms


Asuransi Jiwa Terbaik, Perusahaan Asuransi Jiwa Manulife Indonesia, manulife group benefits claim form.#Manulife #group #benefits


manulife group benefits claim form

  • Manulife group benefits claim form

  • Manulife group benefits claim form

  • Manulife group benefits claim form

  • Manulife group benefits claim form

  • Manulife group benefits claim form

  • Manulife group benefits claim form

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    Manulife group benefits claim form

    Agency Annual Awards Night 2016

    Tanggal 7 Maret 2016, Manulife Indonesia merayakan Agency Annual Awards Night 2016 yang ke-30 di Ballroom Hotel Ritz Carlton, Jakarta.

    Manulife group benefits claim form


  • CoverMe Knowledge Centre: Forms Library, manulife claim forms.#Manulife #claim #forms


    Forms Library

    Flexcare is a unique, flexible supplemental health and dental insurance plan that protects you against healthcare costs not covered by your provincial health plan.

    Flexcare Application Form for residents of Canada, not including those from Quebec

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months of premiums.

    Flexcare Application Form for residents of Quebec

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months of premiums.

    FollowMe Health is a supplemental health plan designed for individuals leaving a group plan. Completion of a medical questionnaire is not required when you apply within 60 days of the loss of your group health benefits.

    FollowMe Health Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months premiums.

    Critical Illness Insurance

    The CoverMe Critical Illness insurance plan protects you by minimizing financial worries in the event you are diagnosed with a covered critical illness.

    CoverMe Critical Illness Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    Life Insurance

    CoverMe Term Life

    CoverMe Term Life insurance offers affordable term life coverage that will fit your lifestyle – today and in years to come.

    CoverMe Term Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    FollowMe Life insurance is specially designed to start when your group life insurance stops.

    FollowMe Life Application Forms for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    CoverMe Guaranteed Issue Life

    Life offers you few guarantees. The CoverMe Guaranteed Issue Life plan offers many.

    CoverMe Guaranteed Issue Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    CoverMe Easy Issue Life

    CoverMe Easy Issue Life insurance is quick and easy to understand, easy to apply for, and easy to get.

    CoverMe Easy Issue Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    Standard Dental Claim Form

    Claimants requiring reimbursement for dental care expenditures must have this form completed by their dentist or dental specialist. Original receipts and applicable supporting documentation must accompany all claim submissions.

    See form for mailing address.

    Health Benefit Claim Form

    Claimants requiring reimbursement for health care benefits such as prescription drugs, or registered specialists or therapists visits, should complete this form and submit along with original receipts and applicable supporting documentation.

    See form for mailing address.

    Assignment of Benefits Form

    By completing this form, the policyholder authorizes Manulife to pay the service provider directly for the eligible costs associated with a claim. Please note that fees for services not covered under a benefit plan, and fees in excess of the coverage provided under a benefit plan, will be the financial responsibility of the policyholder.

    See form for mailing address.

    Prescription Drug Special Reimbursement Form

    Certain medications and drug therapies require pre-authorization by Manulife prior to the commencement of treatment. The claimant’s attending physician must complete this form describing the claimant’s underlying medical condition, previous treatment history outcomes and medical criteria for the treatment request.

    Change of Information Form

    Policyholders wanting to make a name, address or payment information change to their inforce insurance coverage should complete this form. This form can also be used to set-up or make any changes to your pre-authorized payment method.


    CoverMe Knowledge Centre: Forms Library, manulife claim forms.#Manulife #claim #forms


    Forms Library

    Flexcare is a unique, flexible supplemental health and dental insurance plan that protects you against healthcare costs not covered by your provincial health plan.

    Flexcare Application Form for residents of Canada, not including those from Quebec

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months of premiums.

    Flexcare Application Form for residents of Quebec

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months of premiums.

    FollowMe Health is a supplemental health plan designed for individuals leaving a group plan. Completion of a medical questionnaire is not required when you apply within 60 days of the loss of your group health benefits.

    FollowMe Health Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months premiums.

    Critical Illness Insurance

    The CoverMe Critical Illness insurance plan protects you by minimizing financial worries in the event you are diagnosed with a covered critical illness.

    CoverMe Critical Illness Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    Life Insurance

    CoverMe Term Life

    CoverMe Term Life insurance offers affordable term life coverage that will fit your lifestyle – today and in years to come.

    CoverMe Term Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    FollowMe Life insurance is specially designed to start when your group life insurance stops.

    FollowMe Life Application Forms for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    CoverMe Guaranteed Issue Life

    Life offers you few guarantees. The CoverMe Guaranteed Issue Life plan offers many.

    CoverMe Guaranteed Issue Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    CoverMe Easy Issue Life

    CoverMe Easy Issue Life insurance is quick and easy to understand, easy to apply for, and easy to get.

    CoverMe Easy Issue Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    Standard Dental Claim Form

    Claimants requiring reimbursement for dental care expenditures must have this form completed by their dentist or dental specialist. Original receipts and applicable supporting documentation must accompany all claim submissions.

    See form for mailing address.

    Health Benefit Claim Form

    Claimants requiring reimbursement for health care benefits such as prescription drugs, or registered specialists or therapists visits, should complete this form and submit along with original receipts and applicable supporting documentation.

    See form for mailing address.

    Assignment of Benefits Form

    By completing this form, the policyholder authorizes Manulife to pay the service provider directly for the eligible costs associated with a claim. Please note that fees for services not covered under a benefit plan, and fees in excess of the coverage provided under a benefit plan, will be the financial responsibility of the policyholder.

    See form for mailing address.

    Prescription Drug Special Reimbursement Form

    Certain medications and drug therapies require pre-authorization by Manulife prior to the commencement of treatment. The claimant’s attending physician must complete this form describing the claimant’s underlying medical condition, previous treatment history outcomes and medical criteria for the treatment request.

    Change of Information Form

    Policyholders wanting to make a name, address or payment information change to their inforce insurance coverage should complete this form. This form can also be used to set-up or make any changes to your pre-authorized payment method.


    Customer Service – Claim Procedures, manulife claim forms.#Manulife #claim #forms


    manulife claim forms

    Your claim is our priority- we strive to ensure that all valid claims are paid promptly. We encourage our customer to submit all necessary claim documents to us soonest possible to help speed up the claim process.

    For your easy reference, please refer to the procedures forms listed below to make a claim.

    Death Claim ✚ ✖

    • Claimant s Statement (LF1021)
    • Death Claim – Physician s Statement (LF1017) waive if death after 2 years from policy inception or reinstatement
    • Request for Medical Report Authorization to Release Information (LF1029)
    • Request E-Banking Facility Form (LF1046)
    • Original Policy Contract
    • Certified true copy of Death Certificate
    • Certified true copy of Claimant s IC/ Passport/ Birth Certificate
    • Certified true copy of Insured s IC/ Passport/ Birth Certificate
    • Copy of Full Post Mortem Report (for accidental death benefit)
    • Copy of Policy Report (for accidental death benefit)

    Total Permanent Disability (TPD) Claim ✚ ✖

    • TPD Claimant s Statement
    • TPD Medical Report
    • Request for Medical Report Authorization to Release Information (LF1029)
    • Request E-Banking Facility Form (LF1046)
    • Original Policy Contract
    • Copy of test report/ result such as laboratory result, X-ray/ MRI/ CT Scan etc.
    • Copy of Police Report (for accidental benefit)

    Dismemberment Claim ✚ ✖

    • Claimant s Statement for Accidental Injury
    • Attending Physician s Statement for Accidental Injury
    • Request for Medical Report Authorization to Release Information (LF1029)
    • Request E-Banking Facility Form (LF1046)
    • Original Policy Contract
    • Copy of test report/ result such as laboratory result, X-ray/ MRI/ CT Scan etc.
    • Copy of Police Report

    Critical Illness Claim ✚ ✖

    • Critical Illness Claimant s Statement
    • Attending Physician s Statement for the Covered Event
    • Request for Medical Report Authorization to Release Information (LF1029)
    • Request E-Banking Facility Form (LF1046)
    • Original Policy Contract
    • Copy of test report/ result such as laboratory result, ECG, X-ray/ MRI/ CT Scan, Biopsy etc.

    Accident Indemnity Claim ✚ ✖

    • Accident Indemnity Claim Form (LF4005)
      1. Claimant (Policyholder) to complete Page 1 and 2
      2. Attending Physician s Statement, Page 3 and 4
    • Request for Medical Report Authorization to Release Information (LF1029) if the accident is within 2 years from policy inception or reinstatement
    • Request E-Banking Facility Form (LF1046)
    • Copy of medical certificate, discharge note, itemized bill (if any)
    • Copy of test report/ result such as X-ray/ MRI/ CT scan etc (if any)
    • Copy of Police Report (if any)

    Hospitalisation Claim ✚ ✖

    Admission to hospital (Inpatient bill)

    • Hospital Claim Form (LF4003)
      1. Claimant (Policyholder) to complete Page 1 and 2
      2. Attending Physician s Statement, Page 3 and 4
    • Request for Medical Report Authorization to Release Information (LF1029) if the accident is within 2 years from policy inception or reinstatement
    • Request E-Banking Facility Form (LF1046)
    • Original Admission Bill / Invoice (Summary and details itemized) waive the detailed itemized if total amount is less than RM3,500.00
    • Original Payment Receipts (total amount paid must be the same as the Invoice)
    • Copy of the referral letter from clinic or hospital (if any)
    • Certified true copy of passport (for oversea treatment)
    • Request E-Banking Facility Form (LF1046)
    • Original Payment Receipts
    • Original Detailed Itemized bill

    Outpatient Emergency Accidental Injury

    • Accident Indemnity Claim Form (LF4005)
      1. Claimant (Policyholder) to complete Page 1 and 2
      2. Attending Physician s Statement, Page 3 and 4 (can be waived if the total amount incurred is less than RM150.00 per accident, however the nature of injury and treatment must be indicated on the receipt by the treating doctor)
    • Request E-Banking Facility Form (LF1046)
    • Original Payment Receipts and itemized bill for the medical expenses incurred

    Hospital Benefit (No reimbursement benefit) Government Cash Hospital Benefit

    • Hospital Claim Form (LF4003)
      1. Claimant (Policyholder) to complete Page 1 and 2
      2. Attending Physician s Statement, Page 3 and 4 or Certified true copy of Hospital Discharge Note or Discharge Summary
    • Request for Medical Report Authorization to Release Information (LF1029) if the accident is within 2 years from policy inception or reinstatement
    • Request E-Banking Facility Form (LF1046)
    • Copy of Inpatient Bill
    • Hospital Claim Form (LF4003)
      1. Claimant (Policyholder) to complete Page 1 and 2
      2. Attending Physician s Statement, Page 3 and 4
    • Request for Medical Report Authorization to Release Information (LF1029) if the accident is within 2 years from policy inception or reinstatement
    • Request E-Banking Facility Form (LF1046)
    • Original Receipt and itemized bill for the medical expenses incurred
    • TPD, Dismemberment or Critical Illness claim forms are not pre printed. Please refer to the nearest Branch Office or Head Office for assistance.
    • If claim occurs within 2 years from the policy inception or reinstatement date, please provide us with name/ address/ contact number of the Insured s regular attending doctor for our further due diligence. We will appreciate if a copy of appointment card/ outpatient card is provided.
    • Please complete the claim form by answering all questions and attach relevant documents required above.
    • All expenses incurred in getting claim documents is to be borne by the Claimant.
    • Certification of documents can be done by sighting the original documents by the authorised personnel (Manulife s Personnel or Agency Manager)

    For you, manulife claims.#Manulife #claims


    Get the information you need

    Manulife claims

    Get the information you need

    Highlights

    Uncover the Investment Truth

    Submit your benefits claims

    Online or with the app – get your money back fast! Get started now.

    Uncover the mortgage truth with Manulife One

    Manulife ETFs

    Time-tested Approach. Diversification. Low cost. Start here.

    CoverMe®

    Deal directly with us to get a quote and apply for flexible, affordable insurance plans.

    Download Manulife Mobile

    to Manage Your Group Benefits and Group Retirement Services

    Special Rates for Alumni, Retail and Association Members

    Choose Manulife

    Our commitment to employees

    At Manulife, our goal is to foster an open, collaborative and inclusive work environment, while also addressing the varying needs of our diverse employee population. Read about why Manulife is an employer of choice.

    Manulife and the environment

    We all have a part to play in protecting our environment. At Manulife, we strive to minimize the environmental impact of our operations, responsibly manage the impacts of our investment activities and actively support the transition to a more environmentally sustainable economy. Read how Manulife is greening its business

    Our work in the community

    We have a long history of giving to communities in which we operate, dating back to our first recorded donation in 1904. Corporate donations are just one way we have a positive social impact. We also have a long-standing tradition of supporting our employees in their efforts to give back to their communities. Read about Manulife’s work in the community

    1. description
    2. description
    3. description

    Our commitment to employees

    At Manulife, our goal is to foster an open, collaborative and inclusive work environment, while also addressing the varying needs of our diverse employee population. Read about why Manulife is an employer of choice.

    Manulife and the environment

    We all have a part to play in protecting our environment. At Manulife, we strive to minimize the environmental impact of our operations, responsibly manage the impacts of our investment activities and actively support the transition to a more environmentally sustainable economy. Read how Manulife is greening its business

    Our work in the community

    We have a long history of giving to communities in which we operate, dating back to our first recorded donation in 1904. Corporate donations are just one way we have a positive social impact. We also have a long-standing tradition of supporting our employees in their efforts to give back to their communities. Read about Manulife’s work in the community


    Disability Management: Benefits Consultant, manulife group benefits claim form.#Manulife #group #benefits #claim #form


    Disability Management

    Disability management is the term used to describe the active management of workplace absence. Disability management involves not simply the processing of claims under an employer’s STD or LTD benefits program but rather on the active management of the costs associated with these plans. Many employers have embraced this concept and as a result, many insurance companies have improved the management of disability claims by adding internal assessment resources, such as specialized medical practitioners. In addition, they have concentrated on the concept of “early intervention” as key in reducing costs.

    With the increasingly high profile of LTD benefits among employers, organizations that provide services such as on-site nursing support, management software for the tracking of claims, and access to preferred provider networks are being readily established. These health management organizations approach employers directly to market their services emphasizing the potential for reducing the employer’s costs for LTD benefit plans.

    In the 1970’s and early 1980’s, insurance companies did not wish to become involved in an LTD claim until approximately 30 to 60 days prior to the commencement of benefit payments. Since most LTD benefits plans had a four-month qualifying period, this meant that the disabled individual would typically be off work for 60 to 90 days before being approached by the insurance company to determine potential for rehabilitation and, where appropriate, vocational assessment and/or retraining. Insurance companies felt then that it was an unnecessary expense to become involved in the claim during the short-term period.

    Through reviews of actual claims experience, insurance companies now understand the importance of “early intervention”. Insurers recognize that the longer an individual is on claim, the more difficult it is to return the individual to active employment. Early intervention assessments normally begin to take place withing the first month of absence from the workplace. Further, an effective disability management plan will track trends in absenteeism and red flag instances where an individual has been off a number of times duraing a fixed period.

    An employer may introduce the insurance company to the employee early, so that the employer may take an arm’s length approach to adjudicating the claim. The insurance company’s involvement will remove the employee’s impression that the employer makes the decision on claims payment. Additionally, the insurance company has the resources for rehabilitive assistance and medical intervention that will help in the management of the claim.

    Other Preventative Measures

    Disability management programs also attempt to deal with disability problems by anticipating negative outcomes and delivering solutions that are both preventative and reactive to the disabilities that invariable occur. Employers can choose from either a single disability management source or may select a variety of providers for the numerous disability management subsets.

    Lifestyle issues have always been an important element in prevention, but are becoming more important as the workforce ages. Disability management programs encourage employees to lead a healthy lifestyle, to excercise in moderation, and to be aware of the potential effects of being overweight, or smoking, or using alchohol to excess, and or poor sleep and exercise habits. Programs typically feature health education seminars and disease management programs such as blood pressure testing and weight loss clinics.

    Employee Assistance Programs (EAP) is another part of promoting a healthy workforce in the context of disability management. The maintenance of confidentiality provides employees with a level of comfort that encourages them to seek assistance from EAP counsellors. Absenteeism controls are an important element of disability management as well. Most lengthy disabilities occur as a result of medical problems that develop and grow over a period of time. Often, a change in attendance patterns can be viewed as a barometer for larger medical problems down the road.

    Early intervention in the claim typically identifies the nature of the disability, the possibility of the disability becoming long term, and the potential to rehabilitate the disabled employee either into modified duties or back to their original job. Rehabilitation, in the context of group disability coverage is defined as the efforts undertaken on behalf of a disabled employee to assist the employee in returning to some form of gainful work.

    With the rapid increase in claims expenses in the 1980’s, many insurance carriers sought assistance from specialty providers in the private sector to assist them in rehabilitation initiatives. This was another reason for the increase in rehabilitation providers. The scope and range of services available from insurance companies and from third party rehabilitation providers vary in quality and cost. An effective rehabilitation approach must include the following services:

    • Medical staff that can assess the severity of the impairment, nature of the disability, and the effectiveness of treatment
    • A network of professional rehabilitation counsellors available to work with the disabled employee
    • Access to specialty providers to assess special claims
    • Access to medical practitioners to obtain independent medical evidence on a claim
    • Systems and software to effectively track incidence and causes of disabilities and provide detailed reports to the employer

    The most common approach taken during the rehabilitation process is to focus on returning disabled employees to their regular occupation. This may require the employer to either make temporary or permanent modifications to an employee’s work environment or job duties. In some instances, especially with smaller employers, the volume of work may not make it economically viable to provide alternative jobs to an employee on a permanent basis. For these employers, the insurance company should also include vocational assessment in the rehabilitation study to determine the individual’s potential for retraining into another occupation.

    Effective rehabilitation includes communicating with all key stakeholders including the disabled employee’s attending physician in order to ensure a complete understanding of the employee’s job duties and the availability of modified working arrangements. This will provide the attending physician with information to better determine the individual’s medical ability to return to his/her own job or to support the rehabilitation plan for modified duties.

    Once the disabled employee has been returned to the workplace, the rehabilitation counseling may continue to ensure successful achievement of the predetermined goals. By properly communicating the nature of the return to work and what is required of the employer, the employee, and the treatment team, the rehabilitation consultant can help establish an environment that will support the employee’s successful return to work.


    CoverMe Knowledge Centre: Forms Library, manulife group benefits claim form.#Manulife #group #benefits #claim #form


    Forms Library

    Flexcare is a unique, flexible supplemental health and dental insurance plan that protects you against healthcare costs not covered by your provincial health plan.

    Flexcare Application Form for residents of Canada, not including those from Quebec

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months of premiums.

    Flexcare Application Form for residents of Quebec

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months of premiums.

    FollowMe Health is a supplemental health plan designed for individuals leaving a group plan. Completion of a medical questionnaire is not required when you apply within 60 days of the loss of your group health benefits.

    FollowMe Health Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover two months premiums.

    Critical Illness Insurance

    The CoverMe Critical Illness insurance plan protects you by minimizing financial worries in the event you are diagnosed with a covered critical illness.

    CoverMe Critical Illness Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    Life Insurance

    CoverMe Term Life

    CoverMe Term Life insurance offers affordable term life coverage that will fit your lifestyle – today and in years to come.

    CoverMe Term Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    FollowMe Life insurance is specially designed to start when your group life insurance stops.

    FollowMe Life Application Forms for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    CoverMe Guaranteed Issue Life

    Life offers you few guarantees. The CoverMe Guaranteed Issue Life plan offers many.

    CoverMe Guaranteed Issue Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    CoverMe Easy Issue Life

    CoverMe Easy Issue Life insurance is quick and easy to understand, easy to apply for, and easy to get.

    CoverMe Easy Issue Life Application Form for residents of Canada

    Please print, complete and send to Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8, along with a cheque to cover your initial premium payment.

    Standard Dental Claim Form

    Claimants requiring reimbursement for dental care expenditures must have this form completed by their dentist or dental specialist. Original receipts and applicable supporting documentation must accompany all claim submissions.

    See form for mailing address.

    Health Benefit Claim Form

    Claimants requiring reimbursement for health care benefits such as prescription drugs, or registered specialists or therapists visits, should complete this form and submit along with original receipts and applicable supporting documentation.

    See form for mailing address.

    Assignment of Benefits Form

    By completing this form, the policyholder authorizes Manulife to pay the service provider directly for the eligible costs associated with a claim. Please note that fees for services not covered under a benefit plan, and fees in excess of the coverage provided under a benefit plan, will be the financial responsibility of the policyholder.

    See form for mailing address.

    Prescription Drug Special Reimbursement Form

    Certain medications and drug therapies require pre-authorization by Manulife prior to the commencement of treatment. The claimant’s attending physician must complete this form describing the claimant’s underlying medical condition, previous treatment history outcomes and medical criteria for the treatment request.

    Change of Information Form

    Policyholders wanting to make a name, address or payment information change to their inforce insurance coverage should complete this form. This form can also be used to set-up or make any changes to your pre-authorized payment method.