Age band

Age band is grouping of ages (e.g., 18-29, 30-34) with assigned rates for each age group.

Benefit schedule

The benefit schedule is the personalized document that sets out your coverage details, and will be included with your Certificate of Insurance.

Certificate owner

Certificate owner means a Scotiabank Group customer or their spouse, who made an application for coverage that was approved by Securian Canada and is responsible for paying the premium for coverage issued under the Group Policy and is identified accordingly on the Benefit Schedule.

Coverage amount

The coverage amount is the amount for which you or your eligible spouse are insured under the Group Policy.

Effective date

If the eligible person's application is approved, such insurance will be effective on the date Securian Canada approves the application and premium is paid upon becoming due. Coverage will continue in force, subject to the terms of the Group Policy.

In-force

In-force means insurance for which premiums are being paid or for which premiums have been fully paid.

Group policy anniversary date

The group policy anniversary date is January 1st of each year.

Scotiabank Group customer

Scotiabank Group customer means a person who has business dealings with Scotiabank or any of its Canadian subsidiaries, affiliates or associated companies.

Specialist

A Specialist means a licensed medical doctor practicing in Canada, who has been trained in the specific area of medicine relevant to the Covered Critical Illness for which a benefit is being claimed, and who has been certified by a speciality examining board in Canada. In the absence or unavailability of a Specialist, a condition may be diagnosed by a qualified medical doctor as approved by Securian Canada.

Spouse

A spouse means the Scotiabank Group customer's spouse by marriage or under any formal union recognized by law, or the Scotiabank Group customer's partner of the opposite sex or of the same sex who is, at the time of application, the person publicly represented as the Scotiabank Group customer's spouse for at least the twelve (12) month period preceding application. Only one person at a time can be covered as the Scotiabank Group customer's spouse under this Group Policy. The spouse must maintain the same principal residence as the Scotiabank Group customer.

Physician

A physician means a physician or surgeon other than the Insured Person or a relative of the Insured Person who is legally and professionally qualified to practice medicine in Canada.