Tough Times

Death

After a family member passes on, there are a number of decisions to be made by the survivors concerning the estate. From executing a will to supporting non-profit organizations that counsel the bereaved, East Coast Credit Union is here to help you find the resources that will help you through this difficult time.

Divorce

Tensions can run high during a divorce. Being unaware of the various financial difficulties can compound your stress. Let East Coast Credit Union point out some of the financial concerns you should be aware of.

Unemployment

Unemployment is one of life's sad realities, but it isn't the end of the world. There are many resources available to help you out financially and get you into a new position as quickly as possible. The Human Resources Development Canada website can assist you in your job search. If you find yourself unemployed you can also apply for Employment Insurance benefits.

Personal Injuries

Whether it happens on the job or away from work, getting injured can be a major blow to your income. There are programs to help you get by. Some resources for additional information relating to personal injuries are The Workers Compensatin Board and the Human Resource Development Canada. East Coast Credit Union can help you find out more.

Low Income - Just Getting By

Times are unpredictable and sometimes people fall into financial difficulty. Don't panic, there is assistance available. There are many federal and provincial/territorial programs designed to help low-income families. The Employment Insurance Act is set up to help people in the Canadian work force in the event they lose their jobs. Another important program is the National Child Benefit. This program is in place to provide financial assistance to parents who need it and is in addition to the Child Tax Credit and will help ensure that your children get a healthy start in life. To find out if you're eligible for one or more of these programs, contact Human Resources Development Canada. Talk to us at East Coast Credit Union and let us help you through your troubles.

Long-Term Disability

Long-term disability can be totally devastating. Fortunately, there are things you can do in advance to minimize the financial setbacks if you're unable to work. If you've contributed to the Canada Pension Plan, and have worked at least four of the last six years, you may be eligible for a disability benefit if something happens and you're no longer able to work. To qualify, you must be under the age of 65 and be considered disabled under Canada Pension Plan legislation. If you've been severely injured or become too sick to continue working, contact Human Resources Development Canada for all the details and find out if you're entitled to a disability pension. Also, additional health insurance, long-term care insurance and disability income protection service can help protect you in times of need. Let East Coast Credit Union point you toward the people most able to help.

 

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