Choose REALTORS® Extended Health Care & Optional Dental Insurance to maintain your health and protect your wealth Looking for claim forms? Click here. With cutbacks in health care, you can't afford to gamble that your family's health needs will be met by the government. But without a company health plan to protect them, the costs of a prolonged illness, an unexpected injury or extra dental work can quickly spiral out of control. How can you ensure your family's well-being while reducing your financial risk?

You pay no deductible for yourself (and, if you choose Family Coverage, for your spouse and all your eligible children) to enjoy a wide range of covered expenses, including:

• Semi-private hospital room stay: 100% paid for up to 120 days OR $40 a day cash paid directly to you for up to 120 days if you stay in a public ward.
• Semi-private convalescent home accommodations: 100% paid for up to 120 days.
• Prescription Drugs: 80% paid, up to $1,500 each policy year per person, to a lifetime maximum of $40,000 per person. The Plan covers generic drugs or, when no generic equivalent is available, brand-name drugs. There is a $7 cap on dispensing fees.
• Nurses' Fees: Up to $5,000 paid each policy year.
• Health care related costs: Includes ambulance, medical supplies and equipment and artificial limbs.
• Psychologists' fees: Up to $500 paid each policy year.
• Registered specialists' fees: Includes fees of up to $300 paid per person per category each policy year, for chiropractors, osteopaths, naturopaths, speech therapists, audiologists, physiotherapists and massage therapists.
• Dental costs related to an accident: Up to $1,000 paid per injury.
• Transportation other than by ambulance: Up to $1,000 paid for any one injury or illness.

• Routine examination every nine months.
• Cleaning and scaling every nine months.
• Dental x-rays including one posterior, bilateral bitewing set every 9 months and one full-mouth set every 24 months.
• Treatment of pain as necessary.
• Fillings of amalgam, silicate, acrylic and composite material.
• Extractions and oral surgery performed by a dentist, including anaesthesia.
• Root canal (endodontics).
• Repair and re-cementing of crowns, inlays and dentures, and re-lining of dentures.
• Periodontal treatment of diseases of gums and tissues.
• Oral hygiene instruction (limited to one session per adult).
• Consultation by the attending dentist.

• A lifetime maximum of $250,000 in benefits will be paid to any one person insured under this Plan.
• If the eligible expense can be classified under more than one benefit provision, you can only claim reimbursement once.
• Any portion of expenses that are reimbursable under any government plan will not be payable under the group policy.
• Benefits are not payable for expenses incurred as the result of self-inflicted injury, voluntary involvement in a criminal offense, service in the armed forces of any country, insurrection or war.
• Expenses incurred principally for cosmetic reasons are not covered by this plan.
• No benefit will be paid for a medical exam or routine check-up you take at the request of a third party for their use.
• If you receive medical or dental services from a family member or cohabitant, or if you administer medical or dental services to your covered dependents, no benefit is payable for these services under this plan.
• If your coverage lapses and you reinstate it, benefits will only become payable for expenses that are the result of an illness that started at least 10 days after the reinstatement date of your coverage.

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If you have any questions about the CREA Extended Health Care & Dental Plan, or need help with your application, please call Manulife Financial toll-free at 1 800 668-0195 Monday through Friday from 8 a.m. to 8 p.m. ET, or e-mail am_service@manulife.com any time. You can also send your request through the Web by clicking here.