{"id":1866,"date":"2021-05-30T21:24:13","date_gmt":"2021-05-30T21:24:13","guid":{"rendered":"https:\/\/yourharvestcapital.com\/staging\/1843\/?page_id=1866"},"modified":"2021-06-24T17:11:54","modified_gmt":"2021-06-24T17:11:54","slug":"living-benefits-health-insurance","status":"publish","type":"page","link":"https:\/\/yourharvestcapital.com\/staging\/1843\/living-benefits-health-insurance\/","title":{"rendered":"Living Benefits &#038; Health Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1866\" class=\"elementor elementor-1866\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f16118 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f16118\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c29971\" data-id=\"1c29971\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34e4e4c elementor-widget elementor-widget-shortcode\" data-id=\"34e4e4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2129\" class=\"elementor elementor-2129\">\n\t\t\t\t\t\t<header class=\"elementor-section elementor-top-section elementor-element elementor-element-a5967d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5967d3\" data-element_type=\"section\" data-e-type=\"section\" id=\"header\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5641f7d\" data-id=\"5641f7d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23e473a elementor-widget elementor-widget-image\" data-id=\"23e473a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/elementor\/thumbs\/HARVEST-CAPITAL-p2i0x5s6e3ncr6v3q12e9cgdz5ya4d8e2xpm6hhmi6.png\" title=\"HARVEST CAPITAL\" alt=\"HARVEST CAPITAL\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<nav class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b5ab758 elementor-hidden-tablet elementor-hidden-phone\" data-id=\"b5ab758\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3cde2a main-nav_container elementor-widget__width-auto elementor-widget elementor-widget-wp-widget-nav_menu\" data-id=\"c3cde2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-nav_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"menu-main-nav-container\"><ul id=\"menu-main-nav\" class=\"menu\"><li id=\"menu-item-37\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-37\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/\">Home<\/a><\/li>\n<li id=\"menu-item-40\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-40\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/about\/\">Who We Are<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-44\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-44\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/about#bio\">Sergio&#8217;s Bio<\/a><\/li>\n\t<li id=\"menu-item-45\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-45\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/about#philosophy\">Our Philosophy<\/a><\/li>\n\t<li id=\"menu-item-46\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-46\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/about#testimonials\">Testimonials<\/a><\/li>\n\t<li id=\"menu-item-47\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-47\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">Schedule A Meeting<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-1439\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1439\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/insurance\/\">Services<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-38\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-38\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/insurance\/\">Life Insurance<\/a><\/li>\n\t<li id=\"menu-item-1997\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1997\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/living-benefits-health-insurance\/\">Living Benefits &#038; <br> Health Insurance<\/a><\/li>\n\t<li id=\"menu-item-1996\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1996\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/travel-insurance\/\">Travel Insurance<\/a><\/li>\n\t<li id=\"menu-item-36\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-36\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/financial-planning\/\">Financial Planning<\/a><\/li>\n\t<li id=\"menu-item-34\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-34\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/business-planning\/\">Business Planning<\/a><\/li>\n\t<li id=\"menu-item-1828\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1828\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/retirement\/\">Retirement Planning<\/a><\/li>\n\t<li id=\"menu-item-1438\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1438\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/disclaimers\/\">Legal Disclaimers<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-35\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-35\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">Contact<\/a><\/li>\n<\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/nav>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0ce0fef\" data-id=\"0ce0fef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a3eeba help_nav_header elementor-widget elementor-widget-heading\" data-id=\"1a3eeba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How can we help you today?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c404c5 telephone elementor-widget elementor-widget-text-editor\" data-id=\"3c404c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"tel:1-905-646-0156\">905.646.0156<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/header>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b46f9c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b46f9c0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-afd237f hero-banner banner-y-25\" data-id=\"afd237f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:171,&quot;url&quot;:&quot;https:\\\/\\\/yourharvestcapital.com\\\/staging\\\/1843\\\/wp-content\\\/uploads\\\/2021\\\/02\\\/1920-1055095272.jpg&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-018bc03 hero-banner-text hero-banner-caption elementor-widget__width-auto elementor-widget elementor-widget-text-editor\" data-id=\"018bc03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1 style=\"text-align: right;\">Services<\/h1><h2 style=\"text-align: right;\">Living Benefits and<br \/>Health Insurance<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a427aa7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a427aa7\" data-element_type=\"section\" data-e-type=\"section\" id=\"benefits\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-015c262\" data-id=\"015c262\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a170240 elementor-widget elementor-widget-image\" data-id=\"a170240\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/cropped-1055095272.jpg\" title=\"Doctor discusses health concerns with senior couple\" alt=\"Mid adult female doctor gestures a she discusses a senior couple&#039;s health concerns.\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-60ff2b8\" data-id=\"60ff2b8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad175cd elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"ad175cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Living Benefits Overview<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-340651f content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"340651f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45b9d3b content-text elementor-widget elementor-widget-text-editor\" data-id=\"45b9d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With increasing life expectancy rates, living benefits should become an important part of your financial plan. What will you do if you are faced with an accident or illness? Critical illness, disability, and long-term care insurance address these worries.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beea739 primary-button-black content-button elementor-widget__width-auto elementor-tablet-align-justify elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"beea739\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#critical\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Critical Illness<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1f5a0b primary-button-black content-button elementor-widget__width-auto elementor-tablet-align-justify elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"a1f5a0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#disability\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Disability<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbc27f8 primary-button-black content-button elementor-widget__width-auto elementor-tablet-align-justify elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"dbc27f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#care\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Long Term Care<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc04b78 elementor-hidden-tablet elementor-hidden-phone elementor-widget elementor-widget-spacer\" data-id=\"bc04b78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d1c03b primary-button-black content-button elementor-widget__width-auto elementor-tablet-align-justify elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"3d1c03b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-036972e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"036972e\" data-element_type=\"section\" data-e-type=\"section\" id=\"critical\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9860bc5\" data-id=\"9860bc5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a61c42 elementor-widget elementor-widget-image\" data-id=\"8a61c42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/cropped-1131834512.jpg\" title=\"Senior patient in nursing home with helpful nurse in white uniform\" alt=\"Senior patient in nursing home with helpful nurse in white uniform\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e582cd elementor-widget elementor-widget-image\" data-id=\"3e582cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/Harvest-Symbol.png\" title=\"Harvest Symbol\" alt=\"HarvesT Capital plant logo\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6704313\" data-id=\"6704313\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fffb66 elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"6fffb66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Critical Illness<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed818bc content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ed818bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f178aae content-text elementor-widget elementor-widget-text-editor\" data-id=\"f178aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re faced with a severe illness wouldn\u2019t you want to worry less about your finances and instead focus on your recovery?<\/p><p><strong>What is critical illness insurance?<\/strong><br \/>Thanks to modern medicine, more people survive serious illness. Unfortunately, the costs associated with recovery can place a strain on the financial resources of you and your loved ones. <br \/>Consider this sobering statistic: one in 2.2 men and one in 2.4 women living in Canada will develop cancer during their lifetime.<sup>1<\/sup> However, 63 per cent of Canadians diagnosed with cancer are expected to survive.<sup>2<\/sup><\/p><p><strong>Want to understand more about your risk of experiencing a critical illness?<\/strong><br \/>Take a moment now to use our handy risk calculator.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8af7f8 primary-button-black content-button full-width elementor-widget__width-inherit elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"d8af7f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/www.canadalife.com\/insurance\/risk-calculator.html#\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Risk Calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3517443 content-text elementor-widget elementor-widget-text-editor\" data-id=\"3517443\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Critical illness insurance is a form of protection that can provide you with a tax-free lump sum payment to use however you need while recovering from a life-altering illness. You can use this money in whatever way you need while you recover.<\/p><p><strong>Who is it for?<\/strong><br \/>Critical illness insurance can be suitable for anyone seeking financial protection to help cover the costs associated with recovering from a life-altering illness. It can also be suitable for those looking to protect loved ones in the event they experience a critical illness.<\/p><p><strong>How does it work?<\/strong><br \/>You receive the tax-free lump sum payment if you meet the survival period requirement for a covered critical illness and are free to spend money as you choose \u2014 such as to help cover lost income, to pay for private nursing or out-of-country treatment, for medical equipment or even to pay off your mortgage. It can help you where you need it most so you can focus all your energy on recovering.<\/p><p><strong>How does it benefit you and your family?<\/strong><br \/>The physical and emotional strain of a critical illness like heart disease or cancer can be severe. When you combine that with the potentially damaging financial impact, the result can be devastating. You might face additional costs beyond maintaining your current lifestyle \u2013 things such as childcare, medication or home modifications. You need to assess how realistic it is to rely on options such as your spouse, your retirement savings, the sale of assets or even the government to help meet these extra expenses. There are additional benefits from critical illness insurance such as:<\/p><p><strong>Receiving support services<\/strong><br \/>We have services built into our policies that can help you cope during this difficult time. For example, Shepell<sup>TM<\/sup> provides counselling, while Best Doctors\u00ae gives you access to a network of 53,000 peer- nominated physicians who can provide you with an expert medical opinion about the right diagnosis and treatment.<\/p><p><strong>Coverage for uncovered expenses<\/strong><br \/>Canadians benefit from a stable, well-funded healthcare system. But it doesn\u2019t cover everything. You may be required to pay for certain drug prescriptions, or other treatments out-of-pocket. Critical illness insurance can help offset some of those costs.<\/p><p><strong>Getting your money back<\/strong><br \/>We offer a return of premium option that could allow you to receive up to 100% of your money back if you don\u2019t experience a covered critical illness.<\/p><p><strong>Protecting your retirement<\/strong><br \/>The costs associated with a critical illness can quickly eat into your retirement savings. You might have to retire with less and modify your lifestyle, or stay at work longer. Critical illness insurance offers financial relief that can help you keep your retirement plans on track. For example, you could use the lump sum payment from critical illness insurance to supplement lost income or cover private nursing costs, rather than dipping into your nest egg.<\/p><p><sup>1<\/sup> <em>Canadian Cancer Society, Canadian Cancer Statistics, 2014.<\/em><br \/><sup>2<\/sup> <em>Canadian Cancer Society Advisory Committee on Cancer Statistics, 2014.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d330f9c primary-button-black content-button elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"d330f9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-556e2f7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"556e2f7\" data-element_type=\"section\" data-e-type=\"section\" id=\"disability\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5333e57\" data-id=\"5333e57\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79fcf2f elementor-widget elementor-widget-image\" data-id=\"79fcf2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/cropped-1091766008.jpg\" title=\"My retirement plan paid off\" alt=\"Shot of a senior woman relaxing outside in the garden of a retirement home\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4d643d elementor-widget elementor-widget-image\" data-id=\"c4d643d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/Harvest-Symbol.png\" title=\"Harvest Symbol\" alt=\"HarvesT Capital plant logo\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d2e57cd\" data-id=\"d2e57cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-202d026 elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"202d026\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Disability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43ad356 content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"43ad356\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e68f530 content-text elementor-widget elementor-widget-text-editor\" data-id=\"e68f530\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You protect things you find valuable, such as your homes and vehicles, but what are you doing to protect your ability to earn a living?<\/p><p><strong>What is disability insurance?<br \/><\/strong>Disability insurance can provide you with financial security by replacing a portion of your earnings if an accident or illness causes you to become unable to work or earn an income. Accidents and illnesses are a fact of life. They could occur at any time. Disability insurance provides income to help manage your expenses during the period you are unable to work.<\/p><ul><li>Did you know that the likelihood of becoming disabled for 90 days or more before the age of 65 is one in four?<sup>1<\/sup><\/li><li>You can understand more about your risk of experiencing a disability by taking a moment now to use our handy risk calculator.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4caa89d primary-button-black content-button full-width elementor-widget__width-inherit elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"4caa89d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/insureright.ca\/calculator\/#analysis\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Risk Calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a488401 content-text elementor-widget elementor-widget-text-editor\" data-id=\"a488401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Who is it for?<br \/><\/strong>A disability can strike anyone regardless of their age, gender or occupation. In this sense, anyone who earns an income could benefit from the added protection provided by disability insurance. In particular, those looking to help protect their family and other loved ones from possible financial disruption associated with suddenly becoming unable to work due to illness or injury would be appropriate for this insurance.<\/p><p><strong>How does it work?<br \/><\/strong>If you are unable to work due to an illness or injury and thus are unable to earn an income, you will receive a monthly payment after a pre-determined waiting period has passed. You might already have disability insurance through your employer, but you should be aware that this coverage may not meet all your needs. Individual disability insurance can provide you with more flexibility and can also help protect more of your earnings.<\/p><p><strong>How does it benefit you and your family?<\/strong><br \/>Your financial commitments don\u2019t just disappear if you are unable to work. Disability insurance works when you can\u2019t, providing you with a monthly income to help cover your ongoing expenses such as mortgage payments and grocery bills.<\/p><p><strong>Insure your paycheque<\/strong><br \/>The ability to earn an income is one of your most valuable assets. Your ability to provide for yourself and your family could come under risk if you are unable to work. Disability insurance can help maintain your lifestyle until you are able to return to work.<\/p><p><strong>Safeguard your retirement<\/strong><br \/>If you are unable to earn an income for an extended period, it could affect your ability to save for retirement. You may even need to withdraw from these savings to make ends meet. Disability insurance replaces a percentage of your income, so you may avoid having to withdraw money from your savings while you are unable to work.<\/p><p><em><sup>1<\/sup> Canadian Institute of Actuaries (CIA) 86-92 &amp; 2012 Society of Actuaries \u2013 Individual Disability Experience Committee table.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50d328f primary-button-black content-button elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"50d328f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fab2258 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fab2258\" data-element_type=\"section\" data-e-type=\"section\" id=\"care\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-acd04ae\" data-id=\"acd04ae\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-053490a elementor-widget elementor-widget-image\" data-id=\"053490a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/cropped-1092113002.jpg\" title=\"Friendly nurse taking care of eldery lady\" alt=\"Female home caregiver talking with senior woman, sitting in living room and listening to her carefully.\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d68eb0f\" data-id=\"d68eb0f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54fd590 elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"54fd590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Long Term Care<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9749da2 content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9749da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43de0d0 content-text elementor-widget elementor-widget-text-editor\" data-id=\"43de0d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Considering the high cost of private care, this type of living benefit is an excellent way to protect your retirement savings and other assets. Long-term care insurance provides the necessary funds to pay for additional health care should you need assistance caring for yourself for an extended period. Funds are paid as a daily benefit to cover the cost of either home visits from a qualified individual or a room at either a public or private care facility.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9171dd primary-button-black content-button elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"f9171dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0340e57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0340e57\" data-element_type=\"section\" data-e-type=\"section\" id=\"health-insurance\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e819174\" data-id=\"e819174\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b58d25 elementor-widget elementor-widget-image\" data-id=\"8b58d25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/Harvest-Symbol.png\" title=\"Harvest Symbol\" alt=\"HarvesT Capital plant logo\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0247ac2\" data-id=\"0247ac2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1dc137c elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"1dc137c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Health Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a5a2ca content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4a5a2ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-829485a content-text elementor-widget elementor-widget-text-editor\" data-id=\"829485a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Protect your health and your budget with health insurance.<\/strong><br \/>Costs for health-related services can add up quickly, whether you\u2019re filling a prescription, visiting the dentist, getting new glasses or mapping out a course of treatment for a critical illness. Health insurance helps you manage routine and unexpected costs, protecting your budget and your lifestyle.<\/p><p>Your Ontario health coverage (O.H.I.P.), the province\u2019s health insurance plan, entitles you to basic health care services at no charge, including:<\/p><ul><li>Medically necessary services provided by your doctor or administered in-hospital<\/li><li>X-rays, blood tests and other lab services requested by a physician<\/li><li>Certain specialist treatments deemed medically necessary<\/li><li>Emergency dental and oral surgeries administered in-hospital<\/li><li>Eye exams (if you are under 20 or over 64 years of age)<\/li><\/ul><p><br \/><strong>You\u2019re probably not covered for:<\/strong><\/p><ul><li>Prescription drugs<\/li><li>Prescription eyewear<\/li><li>Routine dental care<\/li><li>Registered specialists and therapists<\/li><\/ul><p>Emergency medical expenses when traveling abroad<br \/><br \/>Because of the many gaps in Ontario health coverage, more and more residents are turning to private health plans to help reduce out-of-pocket medical expenses.<br \/>Broaden your health horizon.<br \/>Don\u2019t wait until bills for dental services, prescription drugs, vision care, etcetera, etcetera&#8230; are piling up.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8591fb6 elementor-widget elementor-widget-spacer\" data-id=\"8591fb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-733c36c primary-button-black content-button elementor-widget__width-auto elementor-mobile-align-justify elementor-widget-mobile__width-initial elementor-widget elementor-widget-button\" data-id=\"733c36c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#dental\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Health and <br> Dental<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e50dc8d primary-button-black content-button elementor-widget__width-auto elementor-mobile-align-justify elementor-widget-mobile__width-initial elementor-widget elementor-widget-button\" data-id=\"e50dc8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c764d56 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c764d56\" data-element_type=\"section\" data-e-type=\"section\" id=\"dental\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-127b3a3\" data-id=\"127b3a3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ad9dfb elementor-widget elementor-widget-image\" data-id=\"0ad9dfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/cropped-929884086.jpg\" title=\"Ready for kindergarten\" alt=\"Mom and toddler\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-53c8309\" data-id=\"53c8309\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2536bd elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"b2536bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Health And Dental<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37285fa content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"37285fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fc153b content-text elementor-widget elementor-widget-text-editor\" data-id=\"5fc153b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Supplemental health care and dental insurance plans can help you pay many common medical expenses that are not covered-or only partially covered- by government health insurance plans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63bf9ce primary-button-black content-button elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"63bf9ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8536ce1 elementor-section-content-bottom elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8536ce1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-885e302 hero-banner banner-y-60\" data-id=\"885e302\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:164,&quot;url&quot;:&quot;https:\\\/\\\/yourharvestcapital.com\\\/staging\\\/1843\\\/wp-content\\\/uploads\\\/2021\\\/02\\\/1920-940079432.jpg&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20de1d2 elementor-widget__width-auto hero-banner-caption elementor-widget elementor-widget-heading\" data-id=\"20de1d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact Us Today!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e024d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e024d2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b08c34\" data-id=\"6b08c34\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec1f71b elementor-widget elementor-widget-shortcode\" data-id=\"ec1f71b\" data-element_type=\"widget\" data-e-type=\"widget\" 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data-id=\"6617221\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/elementor\/thumbs\/HARVEST-CAPITAL-p2i0x5s6e3ncr6v3q12e9cgdz5ya4d8e2xpm6hhmi6.png\" title=\"HARVEST CAPITAL\" alt=\"HARVEST CAPITAL\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<nav class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-271cd7e elementor-hidden-tablet elementor-hidden-phone\" data-id=\"271cd7e\" data-element_type=\"column\" data-e-type=\"column\" id=\"footer-nav\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f5b299 elementor-absolute elementor-widget-divider--view-line 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All rights reserved.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ac72b63\" data-id=\"ac72b63\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb11bd6 copyright-links elementor-widget elementor-widget-text-editor\" data-id=\"cb11bd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"page\" title=\"Page 1\"><div class=\"section\"><div class=\"layoutArea\"><div class=\"column\"><div class=\"page\" title=\"Page 1\"><div class=\"section\"><div class=\"layoutArea\"><div class=\"column\"><p>Privacy Policy | Terms of Use | <a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/disclaimers\/\">Legal<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Services Living Benefits andHealth Insurance Living Benefits Overview With increasing life expectancy rates, living benefits should become an important part of your financial plan. What will you do if you are faced with an accident or illness? Critical illness, disability, and long-term care insurance address these worries. Critical Illness Disability Long Term Care Contact Us [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"nf_dc_page":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-1866","page","type-page","status-publish","hentry","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Living Benefits &amp; Health Insurance - www.harvestcapital.ca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/living-benefits-health-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Living Benefits &amp; Health Insurance - www.harvestcapital.ca\" \/>\n<meta property=\"og:description\" content=\"Services Living Benefits andHealth Insurance Living Benefits Overview With increasing life expectancy rates, living benefits should become an important part of your financial plan. 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