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The Road to Enlightenment
The Edge™ Plans®
An affordable Loss of Income Benefit designed for a wide range of occupations.
Benefits are based on Earned Income or Gross Revenue. Add additional benefits to suit your individual needs, including Accidental Death and Dismemberment, Business Overhead Expense, Health & Dental benefits and the Edge Travel Medical Emergency plan.
Benefits
Provides protection against Loss of Income
• $1,000.00 - $4,000.00 per month
• Injury ONLY or Injury & Illness Coverage
• 24 hour or Non-Occupational Coverage
• Choice of Elimination periods, zero, 30 or 120 days for Injury. 30 or 120 days for Illness
• Choice of Benefit periods, most occupations up to Age 70, 5 year for ALL eligible occupations
• Loss of Income Benefit based on Gross Revenue or Earned Income
Features include:
• Partial Disability Benefit - 50% benefits for up to 180 days
• Waiver of Premium - after 30 days of total disability and when benefits are payable
• Return to Work Assistance Benefit � rehabilitation and financial assistance in returning the insured to work
• $10,000 Accident Medical Benefit
Provides payment for medical expenses not covered by provincial health plans, including the costs of Physician and Surgeon fees as well as services of a registered nurse.
Accidental Death & Dismemberment Benefit
Principal Sum of $100,000, $200,000 or $300,000 is available.
If the Insured Person sustains an injury as a result of an accident and as a direct result suffered any of the losses, (within 365 days after the date of the accident), specified in the policy, the Company will pay the percentage of the Principal Sum in accordance with the Benefit Schedule in the policy.
The amount of the Principal Sum is stated on the Schedule of Benefits issued with the policy.
This coverage pays 100% benefit for Accidental Loss of Life, Paraplegia and Quadriplegia.
Coverage also includes benefits for Home Alteration and/or Vehicle Modification, Rehabilitation, Spousal Occupational Training and Child Education.
Business Overhead
Business Overhead Expense (BOE) Benefit
• Provides for the reimbursement of fixed contractual business expenses
• $1,000.00 - $4,000.00* per month up to 12 times the monthly benefit
• Injury ONLY or Injury & Illness Coverage
• 30 day elimination period for both Injury and Illness
*Combined Maximum coverage - Loss of Income & BOE Benefit is $6,000 per month.
Out-of-Province Emergency Medical Coverage $5,000,000 Maximum
Providing you coverage for unexpected emergency medical expenses as a result of injury or illness while you travel.
Eligible travel benefits will be paid based on usual, reasonable and customary charges. Hospital accommodation, physician charges, diagnostic services, paramedical services, ambulance services, emergency air transportation, transportation to bedside, treatment of dental accidents, return of traveling companion, meals and accommodation and more.
• International Assistance Service available 24 hours 7 days a week no matter where you travel.
• Unlimited trips to a maximum of 30 days per trip
Certain expenses are only covered if prior approval is obtained by The Assistance Company. Immediate notice must be provided in the event of an emergency while traveling , failure to do so may limit your coverage. Benefits will be coordinated if coverage is provided under any other plan.
Pre-Existing Condition: If you are over age 65 (but less than age 70) any conditions you may have must be stable for six continuous months prior to your date of travel.
There are exclusions and limitations in all policy contracts and it is important that you understand under what circumstances a claim may not be paid. It is important to review your policy contract in its entirety for complete details of these exclusions and Limitations.
Health and Dental Coverage is a smart way to fill the gap for those medical and or Dental expenses that occur but are not covered by your provincial health insurance plan.
Health Benefits Prescription Drugs |
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Benefit Maximum:
Base Plan, Covered at 80%, Maximum of $1,000 per year. Deluxe Plan, Covered at 90%, Maximum of$1,000 year one, $1,500 year two, $2,000 every year there after.
Any treatment or medication prescribed for fertility, obesity or smoking cessation is not covered.
Extended Health Services: No Deductible
In home private nursing up to $5,000 per year (Base Plan) $7,500 per year (Deluxe Plan). Ambulance, Accidental Dental. Hearing Aids up to $500 every 36 months.
Paramedical Services up to $400 annually per practitioner including Physiotherapists, Clinical Psychologists, Chiropractors, Osteopaths, Naturopaths and Speech Therapist. Acupuncturist & Registered Massage Therapist: $20.00 per visit to a maximum of 20 visits per year.
Coverage is provided after Provincial Health Plans are exhausted (where applicable).
Dental Benefits: Can be purchased with the Health Plan
Basic Benefits covered at 80%
Diagnostic services, Emergency oral exams once every 3 years, Full series x-rays once every 3 years
Bitewing x-rays, recall exams,once every 9 months
Preventive services, including cleaning, scaling and fillings, oral surgery, including extractions
BASE PLAN: Periodontal scaling/cleaning 6 time units every 12 months
DELUXE PLAN: Periodontal scaling/cleaning 8 time units every 12 months
Endodontic treatment covered at 70%(root canal therapy), standard denture services and more
Benefit Maximums
BASE PLAN: $750.00 year one, $1,000 every year thereafter.
DELUXE PLAN: $1,000 for each years one and two, $1200 every year thereafter.
Emergency Out of Province (included with Health Only or Health and Dental)
Up to $l,000,000 coverage per insured for up to 60 consecutive days, with unlimited trips per year. Coverage provided in excess of Provincial Plans and includes hospital, medical, accidental dental, prescription drugs and repatriation in the event of death. Special toll free numbers are provided for claims.
This is a brief summary of benefits. Refer to your plan booklet for detailed information including Exclusions and Limitations.
Get The Edge today!