List of Benefits

Benefit Schedule

Life Insurance  Accidental Death  Dependant Life  Major Medical(Extended Health)  Weekly Indemnity  Long Term Disability  Office Overhead Expense  Dental Insurance  Optional Life

Base  Base  Base  Base  Optional  Optional  Optional  Optional  Optional

Base Coverage

Life Insurance and Accidental Death & Dismemberment (Mandatory)
Units of $20,000 
Major Medical (Extended Health) (Mandatory)er Family 

Hospital & Convalescence hospital (semi-private room) :  Out of Country coverage and Travel Assistance : Max.: $1,000,000 per person per year Drugs: prescriptions are reimbursed at  (except residents of Quebec) Specialists Chiropractor, naturopath, osteopath, podiatrist, chiropodist, psychologist, speech therapist, masseur (with prescription) physiotherapist, acupuncturist, kinesitherapist and dietitian  x-ray  Ambulance  Elastic support stockings (prescription) Breast Prostheses Wigs IUD Glucometer Orthese and prostheses Private duty nurse Hearing aids Rehabilitation clinic for alcoholism and drug addiction (under physician)

100%  100% (no deductible)  100%  $25 per visit  Global Max. $600 per year    1 per year ($50)  $1000 per yr  2 pairs/ yr max. $40  max. $200  max. $150  $60/ yr.  $300/36 months  $200/ yr.  $5000/ yr $300 / yr $80 / day max. $2500

Optional Coverage

Weekly Indemnity Benefit (optional)

units of $10, up to 66.7% of revenue min : 20 units max. :70 units  Waiting period : 14 days sickness or Accident  Benefit Period : 117 weeks based on 7 days / week

Long Term Disability Benefit (optional)

Units of $100, up to 66.7% of your monthly revenue, min 10 units, max. 50 units  Waiting Period : 120 days  Benefits Period : to age 65

Office Overhead Expense (optional)

Includes: rent, mortgage, heating, electricity, taxes, maintence, insurance, etc. units of $100 min : 5 units , max. 50 units  Waiting Period: 30 days  Benefit Period : choice 1 or 2 years

Note
Disability benefits are not taxable if the insured pays the premium themselves. Benefits are reduced by any amount received from other sources of revenue.

Dental Coverage (optional)

Deductible $  50 per insured                   $100 per family Eliglible  Expense All eligible expenses covered under the dental plan are reimbursed at 75%. Maximum payable per person 1st year $500 2nd $750 future years $1000 Basic Care Diagnostic, Exams, consultations, tests & lab tests, prevention services, x-rays.  Enthodontics Diagnostic, root canal,isolation of tooth , emergency treatment  Periodontics non surgical and surgical service  Prostheses Repairs, additions, relines, rebasing  Oral Surgery Extractions, exisions, incisions, frenectomy

Note:
If chosen, any above benefits will become effective the 1st of the month following the month you are approved by the insurer

Stuart Graham Financial Services Ltd

Stuart Graham RLU
26 Lortie St.
Aylmer, PQ
J9H 4G4
Toll-Free 877-682-3091
Fax 819-682-6970