• Identify what provincial health insurance does and does not cover; explain the gap that EHC and dental plans address.
• Describe a standard EHC plan's benefit categories: drugs, paramedical, hospital upgrade, out-of-country emergency.
• Explain the dental fee schedule, the three tiers of dental coverage, and the "most economical clinically adequate" provision.
• Describe CI insurance: lump-sum benefit, survival period, return-of-premium option, and the advisor's needs-analysis rationale.
• Describe LTC insurance: ADL trigger, elimination period, daily benefit design, and the government gap.
• Explain group benefits: participation requirements, EOI, non-evidence maximum, and the late-applicant rule.
• Apply COB rules, including the birthday rule for dependent children, to a claim scenario.