Getting the most tax free dollars from your Group and
Corporate insurance Program
Ken Armstrong
Insurance & Financial Services
Milton, Ontario905-878-0951
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Getting the most tax free dollars from your Group and Corporate insurance Program |
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Specifically Designed for the
unique requirements of the Trucking Industry
Independent owner operators have the choice
to purchase optional insurance from WSIB or purchase private coverage equal
to or better than WSIB. It is recommended that Trucking firms make
it mandatory that their owner operators have WSIB or equivalent coverage
to limit their own & customer’s liability exposures under Employers
Liability, Contingent Employers Liability or Independent Contractors Coverage.
It is recommended that a WSIB
form 1149a be completed by owner operator & Transport Company
to prevent a future WSIB audit. Having such coverage in place can
also improve your fleet auto insurance loss ratios as disability benefits
can be paid under the Roadside Edge program vs Ontario
Auto Insurance
Also available to Individual Business Owners, Self Employed & Entrepreneur
DISABILITY BENEFITS
• $1,000.00 - $4,000.00 per month coverage
guaranteed issue *
• First Day, 30 Day or 120 Day waiting
period for Injury Benefits
• Illness Coverage with a choice of benefit
periods
• Three Year “Regular Occupation” Definition
• Long
Term Disability (LTD) Benefits payable to age 70
• Business Overhead Benefits up to $4,000
payment 12 month benefit period
• Three Year “Regular Occupation” Definition
• Long Term Disability (LTD) Benefits
payable to age 70
• Business Overhead Benefits up to $4,000
payment
$10,000 ACCIDENT EMERGENCY MEDICAL
BENEFIT
• Provides coverage for benefits NOT provided
by Provincial Health Plans
• Physician & Surgeon Fees as well
as Services of a Registered Nurse & Physiotherapist
• Wheelchair and Other Therapeutic Equipment
• Purchase of Crutches, Braces, Casts,
Splints, etc.
• Orthopedic Appliances, Drugs or Medicines
$300,000 SERIOUS INJURY BENEFIT
• 100% Loss of Life & Loss of Use
Benefits
• Rehabilitation
Benefits
• Home & Vehicle Modification Benefits
$5,000,000 OUT OF PROVINCE
• Covers emergency medical treatment for
both Injury and Illness.
• includes unlimited trips up to 30 consecutive
days.
LOW PRICE GUARANTEE
• If within 30 days of purchase, you can
find an individual disability plan with identical benefits at lower cost
we will refund your premium!
NO AGGREGATE LIMIT!
Some programs have an overall maximum
amount payable for any one claim; this is called an Aggregate Limit. With
The Roadside Edge, each benefit is payable separately up to the maximum
stated. All benefits are payable in addition to each other, according to
the amounts stated on the Benefits Schedule.
THE CARRIERS BEHIND THE PLAN
Disability, Accident Emergency Medical
and Serious Injury Benefits are underwritten and issued by
Unum
Provident Life and Accident Insurance Company.
Health and Dental Benefits are provided
by Green Shield Canada.
Life Insurance and critical Illness
Benefits provided by different insurers.