Coronavirus: 3 Things to Keep in Mind

Coronavirus: 3 Things to Keep in Mind

1. Get information from the right sources and from the experts

Many healthcare professionals are advising that the mass panic such as you see in the U.S. is not warranted, there are many unsubstantiated stories and statistics being circulated. The media is NOT the best place to get your information.
Where can I get reliable updates and information?


2. Prevention is key

The government and medical professionals are all asking Canadians to focus on prevention – simple steps that can minimize the spread of the virus. This includes:

  • Self-isolating – staying away from public places whenever possible
  • Washing your hands every time you come back from a public location
  • Minimizing your in-person meetings (which for us as business owners can be challenging)

A question I keep hearing is: If a vaccine is developed for COVID-19, will the cost be covered?
Many vaccines are covered by public health agencies; fewer are covered by extended health benefits. If your extended health benefits contract covers vaccines, new vaccines for COVID-19 might be covered.

3. This will affect Canadians when applying for insurance in the future

Insurers will be asking more questions when applying for various types of insurance; some insurers are postponing cases where travel to China, South Korea and Italy is planned in the future with reconsideration after returning to Canada for one month, provided there have been no changes in health or other insurability.
The items above deal with how Corona can affect people’s health, what about your finances?

Planning for the unexpected is vital in today’s world

Before Corona hit us, finances for many were not completely stable, too many Canadians have not set aside enough money should they be unable to work for several weeks.
Many business owners’ income is now being seriously affected: meetings cancelled, orders stopped, new business postponed.
TIP: To manage financially, call your bank, some have implemented measures to help their clients get through this financial turmoil. I have heard of a client who was able to pause his mortgage payments, it can’t hurt to ask!
As well, going forward, think about the following to protect your health and your finances:
Don’t have any healthcare coverage? Check your options to find out how a plan can provide you with medical and financial support when dealing with health issues.
Have coverage but haven’t reviewed it recently? Review your plan(s) to see if it still protects you in the way you need.
 Want to find out how you can protect your health and your finances? Contact me to schedule a complimentary 30-minute consultation.


Don't give up Sign

Know Anyone Dealing With A Health Crisis?

How to talk to someone who is sick or dying

My mother-in-law Esther was diagnosed with lung cancer 20 years ago. She didn’t tell anyone aside from the immediate family; her best friends had no idea she was sick until two months before she died. Why? She didn’t want to have to answer questions, give updates or deal with comments. She just wanted to focus on getting better.

There are times in our lives when we’re dealing with issues – personal, medical, or financial – that we simply can’t handle all the questions and comments that well-meaning people feel the need to express. So what can we do about them?

Follow The Ring Theory…

The Ring Theory
To help others deal with well-meaning friends and family during a crisis, Susan Silk developed The Ring Theory (read the full story here). It’s quite simple:

  • Draw a small circle in the center of a piece of paper- that will be the centre ring. Put the name of the person dealing with the crisis in that circle.
  • Draw a slightly larger circle around the first circle- put the name of the person next closest to the trauma in that circle (could be a spouse/child/sibling/etc.).
  • Draw several larger outer rings- repeat the above process, putting the next closest person to the trauma.

When you’re done, you have what Susan called the “kvetching order”.
Note: Kvetching is a Yiddish word meaning to complain constantly.

The person in the center ring can say anything to anyone. They can kvetch, complain, cry or swear; that’s their right for having to deal with the trauma.

Everyone else named in one of the rings can say these things as well, but only to those in a ring larger than theirs!

This is so simple and protects those closest to the issue from having to deal with the unnecessary.

Know anyone dealing with a health crisis? Share this post with them. They will thank you!

Have questions about finding the right life and health insurance? Need a review of your existing insurance coverage? Contact me today for your complimentary 30-minute Insurance Consultation.

Aviva Abraham is a group benefits and insurance advisor at Creative Planning. She has been providing healthcare solutions for self employed and business owners since 2010. 

What Do YOU Live For?

It is the time of year we look back at what we’ve accomplished, and we set new goals for the New Year ahead. Manulife recently launched their new Vitality program- taking a positive spin on an old concept.

Watch this powerful video to get some motivation for the year ahead. #whatdoyoulivefor

 If you ask yourself these question every day would you…..
– Make different choices?
-Live a little smarter?
-Find ways to live healthier?

What steps are you going to take this coming year to make every moment special? How can we help you reach your goals? Contact me for a complimentary 30-minute consultation.

Aviva Abraham is a group benefits and insurance advisor at Creative Planning. She has been providing healthcare solutions for self employed and business owners since 2010. You can reach her at or 416-545-5310.