Amelia de la Fuente

This is a scenario I see more than people realise.

A healthcare worker nurse, physio, physician
goes on maternity or parental leave.
She assumes her disability coverage continues.

In many cases, it doesn't.
Or it converts to a different and far weaker definition.
Or the waiting period resets if she returns part-time first.

And if a health condition develops during leave
returning to the same coverage she had before becomes more complicated.

This is the conversation that needs to happen BEFORE the leave begins.
Not during. Not after. Before.

Are you pregnant, planning a family, or currently on parental leave
and unsure about your coverage status?

DM me 'BABYLEAVE' I'll walk you through exactly what to check
and what to do if you find a gap. 🍁

📌 EI benefit rates are 2025 estimates. Individual policy terms vary significantly. This is educational content not legal or insurance advice. Licensed advisor in BC, Canada. | ameliafuente.com

This one is for the incorporated healthcare professionals.

When your insurance policy is held inside your corporation:

◆ Premiums may be paid with pre-tax corporate dollars
(depending on policy type and your accountant's structure)

◆ Life insurance proceeds can flow through the Capital Dividend Account (CDA)
— transferring the death benefit to shareholders tax-free

◆ Disability insurance purchased personally (not corporately)
pays out tax-free if you — not your employer — paid the premiums

◆ A combination of personal and corporate coverage can be structured
to optimise both protection AND tax efficiency

This is not a strategy I can build for you in a caption.
But it IS a strategy I can walk through with you in a 30-minute conversation —
alongside your accountant, or in preparation for a meeting with them.

I work with incorporated physicians and nurse practitioners across BC
who want their insurance to do more than just protect them.
They want it to be a financial asset.

DM me 'SELFEMPLOYED' if this is your world. Let's talk. 🍁

📌 Tax strategies vary by individual circumstance. This is educational content — not tax or financial advice. Consult a qualified tax professional and licensed insurance advisor. Licensed advisor in BC, Canada. | ameliafuente.com

Today is a day to rest.
And to remember why the work matters.

To every nurse who has worked a holiday shift.
To every physician who never fully clocked out.
To every healthcare worker who gave their energy to strangers
so that their own family could have a better life.

Your labour is sacred.

And the income it generates the mortgage payments, the groceries,
the school fees, the retirement contributions, the security your family feels
because you show up that income deserves the same care you give your patients.

This week, I'll be posting about something that gets overlooked on Labour Day:
protecting the financial value of your work.

Not with anxiety.
With dignity. With intention. With love.

Rest today. Build tomorrow. 🍁

📌 Educational and inspirational content. Licensed advisor in Canada. | ameliafuente.com

The word 'diligent' stops me every time I read this.

Not brilliant. Not lucky. Not perfectly timed.
Diligent.

Showing up consistently, even when it's uncomfortable.
Doing the unglamorous work before the crisis demands it.
Building the plan while everything is fine because that's when building is possible.

This is what a financial protection plan is.
Not a fear response. Not pessimism.
Diligence. Applied to love. Applied to legacy.

On this Saturday what is one diligent step you could take
toward your family's financial security?

Share it below. No matter how small.
Because small and consistent beats grand and never. 🍁

📌 Faith perspective shared personally. Educational content. Licensed advisor in Canada. | ameliafuente.com

**“Don’t wait for life to teach you the value of protection.
Prepare while things are still okay.”**

— September reminder

When life is going well, it’s easy to believe it will stay that way.

You’re healthy. You’re working. Your family is doing well. Bills are being paid, plans are being made, and the future feels predictable.

So protection often becomes something we say we’ll look at **later.**

But preparation is most valuable **before** you need it.

Not after an illness.
Not after an accident.
Not when your income has already been affected.
Not when your family is suddenly forced to make financial decisions under pressure.

**While things are still okay.**

Financial protection isn’t about expecting something bad to happen. It’s about making sure one unexpected event doesn’t erase years of hard work.

Ask yourself:

• If I couldn’t work for an extended period, what would happen to my income?
• Would my current benefits be enough for my family?
• Have my responsibilities changed since I first got covered?
• If something happened to me, would the people who depend on me be financially protected?

Your life changes over timeand your protection should be reviewed as it does.

Maybe you have a new family, a mortgage, a higher income, new financial goals, or responsibilities you didn’t have a few years ago.

**You don’t need to live in fear of tomorrow. You simply need to be intentional about preparing for it.**

This September, take a moment to review what you have, understand what it actually covers, and identify the gaps you may not have considered.

Because the goal isn’t to prepare for the worst.

**It’s to protect the life you’ve worked so hard to build.**

❤️ If you’re unsure whether your current coverage still fits your life, **send me a message. Let’s have a conversation and get clear on where you stand.**

Welcome back.

September feels like a fresh start and in many ways, it is.
New school year. New fiscal quarter. Cooler mornings.
New energy to actually deal with the things we kept deferring.

This month, I want to go deeper than August.

We talked about employer benefits gaps.
We talked about disability insurance and critical illness.
We talked about life insurance and the DIME formula.

September is where we get specific.

This month's focus:
◆ Self-employed and incorporated healthcare professionals
◆ Healthcare workers going through career transitions
◆ The real cost of delaying CI coverage in actual dollars
◆ Maternity and parental leave coverage gaps
◆ And as always faith, legacy, and the deeper reason behind the plan

If you're new here: I'm Amelia Dela Fuente.
Licensed insurance advisor in BC, serving Canadian healthcare professionals
and breadwinner women who want protection that actually fits their life.

If you've been here since August welcome back.
September is our harvest season. Let's make it count. 🍁

Comment 'SEPTEMBER' below and I'll send you
what I'm covering this month and which post is most relevant to you.

📌 Educational content. Licensed insurance advisor in Canada. Not financial advice. | ameliafuente.com