Frequently Asked Questions
Do NTA's Disability Income Insurance policies provide Total Disability benefits for quarantine due to
A quarantine for preventive measures only, where no disabling Sickness exists, would not be covered. In order
to be eligible for Total Disability benefits, NTA’s Disability Income policies typically require the Insured
to be unable to perform the substantial and material duties of their regular occupation due to a Sickness or
Do NTA's Disability Income Insurance policies provide Total Disability benefits for Insureds who are
diagnosed and are unable to work due to COVID–19?
Generally, yes provided the Insured is eligible for Total Disability Benefits based on their policy
version, and is unable to perform the substantial and material duties of their regular occupation. The
Insured would be subject to verification by their physician and employer. The elimination period and all
other policy provisions would apply.
Do NTA's Hospital Insurance policies provide benefits if a Covered Person is hospitalized due to
Generally, yes provided COVID–19 is first manifested on or after the Coverage Effective Date and care or
treatment was received within Canada, or the United States or its possessions. All other policy
provisions, including any applicable waiting period, would apply.
Do NTA's Intensive Care Unit Insurance policies and riders provide benefits if a Covered Person is
confined in an Intensive Care Unit due to COVID–19?
Generally, yes provided COVID–19 is first manifested more than 30 days after the Coverage Effective
Date (for most policies/riders), and care or treatment was received within Canada, or the United States
or its possessions. All other policy provisions would apply.
Do NTA's Accident Insurance policies provide benefits for "accidental" illness due to COVID–19?
No. The transmission of a communicable virus does not meet the definition of Accident or Injury under any of
NTA's Accident policy definitions.
What if I am unable to make my premium payment?
We recommend policyholders to continue to make premium payments since missed payments can affect a
policy. However, we do understand that the COVID–19 pandemic may have impacted the ability for some
to make premium payments. To help our policyholders maintain their valuable insurance coverage, we are
providing an extended period of time to pay policy premiums without losing coverage (grace period) until
the end of June 2020.
You will not need to take any action to initiate the grace period
extension. If you have any questions or concerns about premium payments, please contact our
Customer Service team.
For life insurance policies issued in New York, overdue premiums may be paid over a 12–month period if, (1) you did
not make a timely premium payment due to financial hardship as a result of the COVID–19 pandemic; and (2) you can
demonstrate financial hardship. For additional information about how to demonstrate financial hardship, please contact our Customer Service team.
For policies issued in Washington, DC, please contact Customer Service for payment plan options.