Glossary

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A

A person licensed, registered or certified through the respective provincial licensing body or professional organization, or in the absence of such an association, person with comparable qualifications determined by Sun Life.
 
For Basic Life Insurance, your annual earnings at retirement, rounded up to the next higher multiple of $250, if not already such a multiple.
 
All life insurance coverage that must be multiplied by two will be rounded after the multiplication.
 
 
Any treatment that is performed and prescribed by a doctor or, when Sun Life believes it is necessary, by a medical specialist. It must be the usual and reasonable treatment for the condition and must be provided as frequently as is usually required by the condition. It must not be limited solely to examinations or testing.

B

 

C

Acupuncturist, chiropodist/podiatrist, chiropractor, naturopath, osteopath, physiotherapist, psychologist and registered massage therapists
 
Your unmarried children, and children in the custody of your spouse who lives with you, including adopted children, stepchildren, foster children, or children for whom you are or your spouse is the legal guardian, and who are:
  • under age 21,
  • age 21 or older and dependent on you for support because of a psychiatric or physical disability, provided they become disabled while eligible (or while they would have been eligible if you had been covered) under the benefit program, or
  • age 21 or older, but under age 25 (age 26 for children of employees residing in Quebec) and who is a full-time student attending an educational institution recognized under the Canadian Income Tax Act and is entirely dependent on you for financial support.
A child is considered under age 21, 25, or 26 until the first day of the month immediately following the month in which he or she reaches that age.
 
A person licensed by the appropriate provincial licensing authority or, in those provinces where there is no licensing authority, a member of the Canadian Association of Foot Professionals or, in the absence of such an association, a person with comparable qualifications as determined by Sun Life.
 
A member of the Canadian Chiropractic Association or of a provincial association affiliated with it or, in the absence of such an association, person with comparable qualifications determined by Sun Life.
 
A condition that exists beyond the usual course of an acute disease or beyond a reasonable time for tissue damage to heal. Any such condition that lasts longer than six months may be considered chronic.

D

A pension based on service and earnings on the date you leave NAV CANADA that becomes payable at a later date. When you leave before being entitled to an immediate pension, your NAV CANADA pension can be deferred.
 

E

A person who, as determined by Sun Life, qualifies as a certified electrologist.
 
Acute unexpected condition, disease, or injury that requires immediate assistance.

F

 

G

 

H

Includes:
  • Ambulance
  • Emergency Travel
  • Health Practitioners
  • Hearing Aids
  • Hospital
  • Medical Supplies
  • Prescription Drugs
  • Vision
 

A legally licensed hospital that provides facilities for diagnosis, major surgery and the care and treatment of persons suffering from disease or injury on an in-patient basis, with 24-hour services by registered nurses and physicians. This includes legally licensed hospitals providing specialized treatment for mental illness, drug and alcohol addiction, cancer, arthritis and convalescing or chronically ill persons. This does not include nursing homes, homes for the aged, rest homes or other places providing similar care.

 

I

 

J

 

K

 

L

Life support means the covered person is under the regular care of a licensed physician or specialist physician for nutritional, respiratory and/or cardiovascular support when irreversible cessation of all functions of the brain has occurred.
 
A person who is licensed to practice pharmacy and who is listed in the pharmacists’ registry of the licensing body for the jurisdiction in which such person is practising.
 

M

Maximum Reimbursable Expense
To determine the maximum amount payable the reimbursable amount is calculated as follows:
​Claim Amount ​$180
​Reimbursement Level ​100% x $180 = $180
​Maximum for specific claim in any one calendar year ​$150
​Reimbursement amount ​$150
 
Care obtained when you consult a physician, use medication on the advice of a physician, or receive other medical services or supplies.
 

N

Naturopath
A member of the Canadian Naturopathic Association or any provincial association affiliated with it or, in the absence of such an association, a person with comparable qualifications as determined by Sun Life.
 
Nurse
 
A registered nurse or nursing assistant, licensed, registered, or certified through the respective provincial licensing body or professional organization or, in the absence of such a registry, a nurse with comparable qualifications as determined by Sun Life.
 

O

A doctor of medicine (M.D.) licensed to practice ophthalmology.
 
A member of the Canadian Association of Optometrists or of a provincial association affiliated with it or, in the absence of such an association, a person with comparable qualifications as determined by Sun Life.
 
A person licensed, registered or certified through the respective provincial licensing body or professional organization or, in the absence of such an association, a person determined by Sun Life to have comparable qualifications.
 

P

Membership in the NAV CANADA Pension Plan, used to determine when you can retire, that is, the time elapsed from the date you joined the plan, including periods of absence.
 
A fee charged by the Health Care Plan for each Drug Identification Number (DIN) claimed on an individual receipt if expense not purchased at a Preferred Pharmacy.
 
A doctor of medicine (M.D.) legally licensed to practice medicine.
 
A member of the Canadian Physiotherapy Association or of a provincial association affiliated with it or, in the absence of such an association, a person determined by Sun Life to have comparable qualifications.
 
A permanently certified psychologist who is listed in the appropriate provincial registry in the province where the service is rendered or, in the absence of such a registry, a person determined by Sun Life to have comparable qualifications.
 

Q

 

R

Within the general level of charges for a specific service or product in the locale where the expense is incurred, determined by Sun Life after consulting published fee guides of associations of practitioners.
 
A person licensed by the appropriate provincial licensing body or, in the absence of a provincial licensing body, a person determined by Sun Life to have comparable qualifications.
 
Vocational training, a program, or a period of work approved in writing by Sun Life as a means of facilitating your return to work following disability.
 
Under Basic Life Insurance
A NAV CANADA employee who had at least two years of service with NAV CANADA on his or her retirement date and is receiving NAV CANADA pension benefits.
 
Under the Health Care Plan
A NAV CANADA employee who leaves NAV CANADA before September 1, 2005, with at least two years of service on his or her retirement date, and is receiving NAV CANADA pension benefits.
 
A NAV CANADA management employee who leaves NAV CANADA on or after September 1, 2005, and who, on his or her retirement date:
Must be in receipt of NAV CANADA pension benefits.
 

S

A person who holds a Master’s degree in speech language pathology and is a member, or is qualified to be a member, of the Canadian Association of Speech-Language Pathologists and Audiologists or any provincial association affiliated with or, in the absence of such an association, a person determined by Sun Life to have comparable qualifications.

 
Your legal spouse of either gender, or the person who has lived with you as your spouse in a permanent, exclusive relationship for a continuous period of at least one year and continues to live with you as such.
Your spouse must be under age 75 to be covered under Business Travel Accidental Death and Dismemberment Insurance or under age 65 to be covered under Critical Illness Insurance.
 
Coverage under the Health Care Plan that supplements provincial health care coverage for eligible NAV CANADA employees and retirees who are eligible for coverage under a provincial plan.
 
Surgery means a medical operation performed on the covered person and recommended by a physician or specialist physician, licensed and practicing in Canada.
 

T

Any land, water, or air conveyance required to transport you during an emergency evacuation.
 

U

 

V

A private passenger car, station wagon, van, or jeep-type automobile.
 

W

 

X

 

Y

 

Z

 

 

Published on February 01, 2016