| Q. |
Can Norfolk insure a Canadian who has become a non-resident for tax purposes? |
| A. |
Yes, and groups that prefer to place their insurance offshore (to protect non-residency status) can do so through our offshore trust. |
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| Q. |
Can Norfolk insure the spouse of an expatriate who resides in a third country? |
| A. |
Yes, and their children can be insured wherever they attend school, even in fourth or fifth countries. |
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| Q. |
Can Norfolk insure foreign workers temporarily employed in Canada or the United States? |
| A. |
Yes. Comprehensive packages are available. |
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| Q. |
How does Norfolk handle the different currencies that may be owed to different international insurance companies? |
| A. |
Norfolk can bill its clients in one currency covering all policies, and then convert this deposit into the two or more currencies required by the insurers. This includes domestic (Canadian-based) employee benefits as well as expatriate and rotational staff benefits. |
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| Q. |
Is it normal to insure persons from different countries for different amounts or different benefits? |
| A. |
Yes, not everyone is used to the same high level of coverage as Canadians. However, to avoid employee relations problems, it is advisable to offer the same plan wherever employees will be in the same work place overseas. Ask our consultants for direction. |
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| Q. |
Can persons become insured even after they have left Canada (or other country of origin)? |
| A. |
Yes. Underwriting requirements may be more extensive after departure. |
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| Q. |
Can benefits be purchased individually (i.e., Medical, Life, etc.)? |
| A. |
Yes, all benefits can be purchased on an individual basis with no impact on rates. |
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| Q. |
Can Norfolk combine domestic and international benefits into a single plan? |
| A. |
Yes. In fact this is often the simplest approach in terms of administration and the least expensive. A single plan also diminishes the chances of coverage gaps for personnel transferring from one employment class to another or who are in jeopardy of losing provincial health care and workers' compensation. |
