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Page 12, Terrace Bay-Schreiber News, Wednesday, June 6, 1984 Northe m2 by JANE E. GREER The following col- umn, written by the Ministry of Consumer | and Commercial Rela- tions should be of inter- est to all consumers who are contemplating the purchase of Disability Insurance Policies. "You get what you pay for, is a good phrase to keep in mind when buying a disability poli- cy," says Murray Thompson, Superinten- dent of Insurance at the 'Ontario Ministry of In- surance at the Ontario Ministry of Consumer and Commercial Rela- tions. The ministry has re- cently received a flood of complaints from con- sumers who purchased low-cost disability insur- ance sold door-to-door, through newspaper ad- vertisements or by mail throughout Ontario and Canada. These consum- ers later discovered that the policies offered only very limited coverage. "But we can't say the policies shouldn't be sold," says Thompson. "They do provide some protection and a few people who are unem- ployed or in high risk Affairs jobs would not be able to buy any other accident protection. These _poli- cies don't provide coverage for disability resulting from illness," Mr. Thompson says. Generally, these poli- cies provide full- payouts only for disabi- lity resulting from acci- dents of a restricted or unusual nature, such as a public transit mishap. In the case of private vehicle accidents, the policies pay out only a fraction of their full worth. Coverage is offered for as low as $9.00 for six months. '*The impressive- looking list of coverages may, on close inspect- ion, include some coverages which seem archaic or are not really relevant to most resi- dents of Ontario," Mr. Thompson says. Dis- ability policies better suited to the needs of many people can be ob- tained through a work- place group, or as indi- vidual policies directly from an insurance com- pany. They offer lump sum or regular pay- ments to claimants if they become unable to work because of acci- SOMEONE BELOW IS A KID YOU KNOW ----. That's why, during the province's special effort is being made to honour the GaupG people of Ontario through the Junior Citizen of the Year award program. Jointly sponsored by the Ontario Community Newspapers Association and CP Air, this award honours young people between the ages of 6 and 18 who have made an outstanding contribution to their community. Ontario Junior Citizens of the Year receive a lapel pin, plaque, $200 and a family picture with the Ligutenant Governor of Ontario. The Spring deadline for nominations is June 20, 1984 but why not submit one today? For more information, contact: Terrace Bay-Schreiber News -@ Courage ¢ Ingenuity * Leadership ¢ Resourcefulness ¢ Initiative * Fortitude ¢ Courage ¢ Ingenuity P.O. Box 579 Terrace Bay Phone: 825-3734 CP Air I« We all benefit by their example. ® Leadership ¢ mess ® Initiative ¢ Fortitude ¢ Ingenuity * Leadership ° urcefulness © Initiative ¢ Fortitude Bicentennial, el ¥ ONTARIO dent or illness. Rates paid in group coverage vary, depend- ing on the employer and the type of plan. Cover- age outside a group plan varies in price accord- ing to the age and occu- pation of the policyhold- er. Premiums will also be lower if the pur- chaser agrees to a wait- ing period of three to six months before pay- ments begin. Mr. Thompson says he is concerned about restricted benefit, low- cost policies because their limited coverages provide a lot of scope for consumer misunder- standing and in many cases consumers could buy policies better suit- ed to their needs. Consumers who wish to purchase a disability policy should watch for: Pre-existing condition clauses: Nearly all poli- cies have them. Don't expect coverage from a policy taken out a week before having your gall bladder removed if you planned to have the op- eration before purchas- ing the policy. If you have a disorder before purchasing the policy, you will not be covered for disabilities related to this disorder. Look for guaranteed renewable clauses: The policy may be useless to you if the insurance company refuses to re- new it after six months. Look for non-cancel- lation clauses: It is bet- ter to have a policy which states that the company cannot cancel the policy or restricts the company's right to can- cel. Look for restrictions on insurer's right to alter the premium clause: from time to time, insurance com- panies may have to raise their premiums. How- ever, make certain that any adjustments to your premiums applies to all policyholders. Look for own em- ployment clause: It is preferable to have a policy that pays when you are unable to per- form your own job. If the policy says any job, it means the company can expect you to take a job other than your own. Look for coverage for sickness disability - the policy should cover the Caution when buying disability policies holder for disability re- sulting from diseases as . well as accidents. Check for benefit in- tegration clauses: some policies offset sickness or disability benefits paid by U.I.C. or C.P.P. from the amount pay- able by the insurer and this can reduce the cost. However, a very low wage earner might end up with no benefits pay- able from the insurer until U.I.C. sickness benefits run out. Look for 'waiting per- iod clauses: these can lower your premium cost by cutting out short duration claims for peri- ods when you are cover- ed by employer or U.LC., but you cannot claim unitl the waiting period of three or six months has expired fol- lowing the commence- ment of your disability." For further informa- tion on this and other government related top- ics or programmes, you may contact your near- est Northern Affairs Of- fice located on the lower floor, Peninsula Build- ing, Marathon. Phone 229-1153 or for areas outside of Mara- thon, call Zenith 33160. What causes back pain Aside from headache, backache is Canada's most common health complaint. Mr. Jones' car was bumped from behind. He suffers back pain. Mr. Miller lifted a heavy box at work. He suffers back pain. Mrs. Boswell is expecting a child. She suffers back pain. Not all back prob- lems are due to severe strains or dramatic acci- dents. There are times when a relatively inno- cent act such as step- ping off a curbstone or lifting a pencil from the floor is sufficient cause for back pain. Unexpect- ed, awkward and off- balance. movements of any kind can cause back pain and sciatica. This is because the pain may be the symptom of a spinal disorder compounded by structural weakness. Pains of mysterious origin may be caused by spinal insults. Some- times the symptoms of' the back problem ap- pear immediately, al- lowing the victim to correlate cause and ef- fect. However, some- times days or even months pass before pain appears, causing the again. IN LOVING MEMORY OF AGNES McCOUAN who passed mas May 31st 1984 in-her 93 year. After 53 years of marriage then a long separation, she and Mac are together Cathy Mason and Family of Toronto MOM and ME clo P.O. Box 490 Terrace Bay MOM and ME WANTED: NURSERY SCHOOL TEACHER -- Experience with small children an asset Apply before June 13th /84 to commence Sept. 1984 For further information phone 825-9221. victim to seek treatment for conditions other than the causitive spinal dis- order. Persistent or recur- ring aches in the lower back and limbs may sug- - gest a possible lower spinal or pelvic prob- lem. This often re- quires a structural cor- rection of the cause in order to relieve the con- dition. Although pain relievers may hide the pain temporarily, the spine and sacroiliac must be aligned to their proper position for nor- mal function. Doctors of chiro- practic not only seek to locate the problem and give relief from symp- toms, but also to correct the fundamental cause as well as offer preven- tive, rehabilitation and maintenance counsel. These health views are published by mem- bers of the Ontario Chiropractic Association in the interest of better public health. Lutheran Choir to sing The people of Ter- race Bay, Schreiber and Rossport are invited to attend a special pre- sentation by a 30 voice choir from Minnea- polis, Minnesota. The choir is compris- ed of 30 Lutheran young people and their pre- sentation will in- clude dramatic skits as well as musical num- bers. The choir will be perfoming on Wed- nesday, June 13th -at 7:30 p.m. at the Ter- race Bay Gospel As- sembly. Everyone is invited to attend -- and bring a friend! For more infor- mation please phone 825-9368.