Life Insurance (Mandatory)

Life Insurance and Accidental Death and Dismemberment (to age 65)

$25,000

Dependent Life Insurance (mandatory if you have Dependents)

Spouse	$10,000
Child	$5,000

Weekly Indemnity (Optional benefit for Owners)

Benefit Waiting Period

Accident	15 Day from the date your Doctor recommends time off work and you are totally disabled
Sickness	15 Day from the date your Doctor recommends time off work and you are totally disabled
Hospital Coverage:	15 Days from the date your Doctor recommends time off work and you are totally disabled
Benefit Period:	17 weeks

Long Term Disability Benefits (Optional benefit)

Class: All Employees

Elimination Period

Accident	17 Weeks
Sickness	17 Weeks
Benefit Duration:	To Age 65
Definition of Disability	Own Occupation for the first 24 months of disability, thereafter any occupation
Pre-existing Exclusion	If an employee receives medication, treatment, consultation or surgery 90 days prior to the effective date of coverage, no benefit will be paid for that condition for the first year

Disability Insurance Points

   As an Owner/Operator you can purchase Weekly Income and/or Long Term Disability.

   if you decide to purchase Long Term Disability, all employees must apply.

   it is advisable disability premiums be paid by the employee, this ensures any monies received 
   from a claim will be received tax free.

   if an employee becomes disabled due to an accident or sickness they should apply for E.I.
   Disability Benefit for the first 17 weeks 

 Questions

Extended Health Care Benefits

Class: All Qualified Employees

Annual Deductible

Hospital Expenses	Nil
Emergency Out of Canada Expenses	Nil
Vision Care Expenses	Nil
Drugs	Nil
Other Health Expenses:	$250

Coinsurance Level

Prescription (Pay Direct Drug Card)	70%  to $2,000 Annual Maximum
Vision Care Expenses	100% to Plan Maximum
Therapeutic Equipment Expenses	50%
All Other Extended Health Care Expenses	70% up to plan limit
Emergency Out of Country	100% up to plan limit

Maximums for Covered Persons under Age 65

EHC Calendar Year	$1,000,000/Year/Individual
Emergency Out of Canada	$1,000,000/Lifetime per Family Member
Out of Canada Trip Duration	90 Days

Extended Health Care Benefit Maximums

Hospital Room Accommodation	semi-private
Convalescent Hospital	180 days
Private DutyNursing	$10,000/Year

Paramedical Practitioners

Acupuncturist	$20 per visit max $300/Year
Chiropractor	$20 per visit max $300/Year
Massage Therapist	$20 per visit max $300/Year
Naturopath	$20 per visit max $300/Year
Osteopath	$20 per visit max $300/Year
Physiotherapist	$20 per visit max $300/Year
Podiatrist/Chiropodist	$20 per visit max $300/Year
Psychologist	$20 per visit max $300/Year
Speech Therapist	$20 per visit max $300/Year

Eye Examinations

Adults	$100/24 months
Child	$100/12 months

Vision Care Benefit

Maximum	$100
Adult/Child Frequency	1 every 24 months

Other Health Expenses

Ambulance Services Included	Yes
Diabetic Supplies	Unlimited (Diabetic Pumps excluded)
Orthopaedic Shoes or Orthotics	$300/Year
Hearing Aids	$500/60 Months
Therapeutic Equipment	$1,000/Per Piece of Equipment
Surgical Stockings	4/Year
Termination Age for EHC Benefits	70

Extended Medical and Dental Age Limits

Child Age Limit	21
Registered Student Age Limit	25
Benefit Termination Age:	70
Survivor Benefits	2 Years

Questions

Dental Care Benefits

Class: All Qualified Employees

Annual Deductible

Single	Nil
Family	Nil

Co-insurance Levels and maximums

Level 1 Basic Restorative Services	80%} $1,250 combined maximum
Level 2 Gum Disease Root Canals	80%} per calendar
Crowns, Denture Services	50%} year
Level 4 Orthodontic Services	50%  $2,000 lifetime per child

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Dental Fee Guide	Current Year and Provincial General Practitioner fee Guide
Claims Paid On Line Dental	Yes if your dentist is on line with the Insurance Co.

Basic Restorative Services

Crowns, Denture Services

NewCrowns/Onlays/Bridgework	50%
Replacement	after 5 Years
Full/Partial/Removable Denture or Fixed Bridgework Replacement	after 5 Years

Orthodontic Services

Orthodontic Services	50%
Lifetime Maximum	$2,000per child
Treatment Schedule	treatment must begin before the age of 19 and be completed by the age of 21

Why This Plan Get A Quote  Things You Need to Know Contact Us

Bruce A Hollett & Associates

401-1630 Pandosy Street

Kelowna BC V1Y 1P7

voice 250-861-1006 or 1-866-861-1006 fax 250-861-6177, e-mail questions@telus.net