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The Road to Enlightenment

The Roadside Edge®

The Roadside Edge® is designed for the trucking industry and provides a simple, affordable way to protect your income should a disability prevent you from working.

Your entire lifestyle is protected by your income. The chance of becoming disabled due to injury or illness during your working years is very high.

Have you considered how you would maintain your lifestyle if this were to happen to you?

While no one likes to think about becoming ill or being injured you can't afford to ignore the possibility.

The Roadside Edge® offers you a simple, affordable way to provide an income should a disability prevent you from working.

Get The Roadside Edge® today!


Benefits

Provides protection against Loss of Income

  • A minimum injury benefit of $2,000 per month, TAX FREE
  • Injury ONLY or Injury & Illness Coverage
  • 24 hour or Non-Occupational Coverage
  • Disability benefits paid to age 70
  • 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 Sums 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.

 

 

 

Benefit