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Benefit Summary
     
    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 F
    amily 

    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

For Information about Pricing and more plan details pls email grahamfinancial@sympatico.ca

Stuart Graham Financial Services Ltd

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