What are the three key steps to good health in 2019? 1) Eat Right 2) Exercise 3) Sleep
Yet, many Canadians either neglect or find point #3 elusive. Sure, you would love the required shut-eye time, but you can’t fall asleep so easily. According to the Better Sleep Council of Canada (www.bettersleep.org), Twenty-three percent of Canadians say family issues are preventing them from sleeping. Sixteen percent of individuals blame personal finances on lack of shut-eye.
Luckily, there is a solution that allows many Canadians to Sleep Well at Night and reduces your stress. It is called Pay Cheque Insurance. If you are not able to work because you are injured or ill, an insurance company will pay you monthly approximately two-thirds of your income while you are on extended leave. In order to qualify for Pay Cheque Insurance, you need to be in relatively good health and under the age of 65 years old.
If you have group benefits from your employer it’s a good start. However, you should speak to an insurance broker to ensure the group benefit plan provides enough to help you cover your living expenses. Often, you can top up on personal Pay Cheque Insurance to fill in the gap. Fortunately, the premium is not much more than a cup of coffee a day.