Having cash on hand enables you to decide for yourself when to return to work, so you aren't forced back too soon by cash shortages and lifestyle compromises that can delay, and even endanger, your full and complete recovery.

Many of the latest treatments aren't available locally or funded by government health plans. Consequently, as highly regarded as our Canadian health care system is, it cannot help critical illness patients recover their financial footing if they are not prepared in advance for the financial consequences of a critical illness. Also, you may need extra cash for new lifestyle and recovery demands such as housekeepers, private nursing, physical therapy and medical equipment.

You may need the financial resources to stay the course until you have found a job suitable to your new lifestyle, or until you have retrained.

Achieving greater closeness with family is an important part of a full recovery. To do that, you'll need the cash to permit you to do something special as a family, like take the trip of a lifetime.

Survivor's Financial Plan is not like life insurance or disability insurance because it can provide a living benefit that can give you the time and money you need to recover fully from a critical illness - comfortably, at your own pace, and without financial worries or lifestyle compromises.