Finally!Easy accEssto comprEhEnsivE hEalth & DEntal BEnEFits For mE anD my EmployEEs

Finally!Easy accEssto comprEhEnsivE hEalth & DEntal BEnEFits For mE anD my EmployEEs

BEn saysWithout group benefits coverage, health and dental expenses can re-ally add up. Unfortunately, most benefit plans available to small busi-nesses are simply too expensive to consider. Until now.

We recognized the enormous need for affordable health and dental protection for small business and created a unique product to fill the void. It’s called BENSPlus.

Available to members of the Annapolis Valley Chamber of Commerce The BENSPlus program offers a unique combination of the basic Health & Dental coverage you want, at a price you’ll appreciate, plus the flexibility of tailoring coverage with optional benefits that are nor-mally only available in large group programs.

rEal-worlD, nEEDs-rElatEDcovEragE optionscomprEhEnsivE covEragE:The BENSPlus Benefits Program is designed to give you the basic coverage you need, with the flexibility of customizing your coverage with Optional Benefits.

availaBlE covEragE incluDEs:• Extended Health Care with or

without Dental Benefits• Prescription Drugs• Paramedical Services• Ambulance & Hospital• Private Nursing & Home

Support

• Medical Equipment & Supplies• Vision Care Including Eye

Exams• Hearing Aids• Prosthetics & Orthotics• Emergency Out-of-Country

Coverage

small BusinEss 1-2

no mEDical rEquirEDconvEniEnt paymEnt options availaBlE

your planyour choicE

Different people have different needs. The BENSPlus Benefits Program lets you choose the coverage that’s right for you, offering four levels of protection:

Hmmm... Why should I Choose a health spending

plan??

hEalth spEnDing plansThe ultimate in flexibility and cost control, the BENSPlus Spending Plan reimburses Employees for eligible health, dental and wellness expenses. You set the parameters around eligible expenses and yearly maximums, and BENSPlus administers the plan. It’s a great way to provide flexible benefits while meeting budgetary constraints.

Cost Control - It’s an effective way for you to contain benefit costs to a predetermined level that you can afford, because you decide how much will be given to each Employee, each year. This works as an effective tool for managing costs and minimizes the risk of benefit claim fluctua-tions.

Tax Advantages - All reimbursements and administrative fees related to a Health Spending Plan are 100% tax deductible.Benefit Plans with Choice - You choose what and how much can be claimed, offering incredible flexibility and customization.Income Tax Free – The HSP is considered non-taxable income for your Employees

BEns plus hEalth ElitE spEnDing plan

BEns plus hEalth ExclusivE spEnDing plan

• Health Spending Account

• Catastrophic Medical • AD&D $25,000/ $25,000/$10,000• Out of County Travel

• Health Spending Account

• Catastrophic Medical • AD&D $25,000/ $25,000/$10,000• Out of County Travel • Critical Illness

$10,000/$10,000/$5,000

critical illness coverageCritical illness (CI) insurance is a form of health insurance that pro-vides a lump-sum payment should the covered individual become seriously ill. Through the Exclusive Medical Plan the CI coverage has been included to cover $10,000/$10,000/$5,000 for Main/Spouse/Dependent respectively. CI covers account holders and spouses up to age 69, also dependents under age 21 (or age 25 if the dependent is a full time student).

catastrophic medical insurance coverageUnexpected illnesses or accidents can occur at any time, anywhere. BENSPlus’s Catastrophic Medical insurance has been designed to protect Employees and their families from specific Health and Dental expenses that would not normally be covered by provincial health plans, and that could potentially deplete the Employee’s Health Spending Plan.

accidental Death & Dismemberment coverage (aD&D)Should an Employee suffer a severe accident, the Accidental Death & Dismemberment (AD&D) benefit can provide the Employee with the necessary protection to ensure that the Employee and their fam-ily’s finances and future are secure. The available coverage is as follows: Elite Medical Plan $25,000/$25,000/$10,000 and Exclusive Medical Plan $50,000/$50,000/$10,000 for Main/Spouse/Depend-ent respectively. The AD&D coverage is for account holders and spouses under age 70, also dependents under age 21 (or age 25 if the dependent is a full time student).

out of country/ province Emergency travel - medical insurance coverageUnexpected medical expenses are the most expensive costs Em-ployees may incur while travelling - either on business or pleasure, within Canada or around the world. With Out of Country/Province Emergency Travel Insurance, Employees will have peace of mind knowing that they have coverage if an unexpected illness or acci-dental injury occurs while away. Employees and eligible dependents are automatically covered under this plan if they’re an active eligible member of the policy and under the age of 80.

BEns plus solo i BEns plus solo iiEHC Medical Questions required Medical Questions requiredLifetime Maximum $250,000 $250,000Reimbursement 100% 100%Prescription Drugs:Annual Maximums $3,500 per policy year; generic Drugs $4,400 per policy year; generic drugs unless physician specifi es “no substitution”Dispensing Fee Cap $7.50 per prescription N/APay-direct Card Yes YesHospital Room:Room Semi-Private Semi-PrivateDaily Maximum $150 $200Maximum $4,500 per calendar year $10,000 per calendar yearVision Care:Frames/lenses Eye glasses - $150/24 months Eye glasses - $200/24 monthsEye Exams Eye Examinations - $75/24 months Eye Examinations - $75/24 months

paramedical services (Acupuncturist, Chiropractor, Chiropodist, Naturopath, Osteopath, Podiatrist, Physiotherapist, Registered Massage Therapist, Psychologist, Speech Therapist. )

Per Practitioner Maximum $500 combined maximum per calendar year $750 combined maximum per calendar yearPer Visit Maximum $25 per visit $30 per visitChiropractic X-rays $35 per year $35 per year

medical appliances & supportPrivate Duty Nursing, Durable Medical Combined calendar year maximum of $3,000 Combined Calendar year maximum of $6,000 forEquipment & Prosthetics for home Support & Durable Medical home support & Durable Medical Equipment Equipment & Prosthetics & ProstheticsOrthopaedic footwear or Orthotics Custom Orthotics to $300 per calendar Combined Custom Orthotics $400 per year calendar yearAmbulance Ground unlimited $4,000 air ambulance Ground unlimited; $4,000 air per calendar year calendar yearAccidental Dental $2,500 per calendar year $3,000 per calendar yearHearing Aids $300/4 calendar years $500/4 calendar yearsOut of Country Travel Insurance 100% up to $2M for trips of up to 30 days 100% up to $2M for trips of up to 30 daysCoverage continues until age 80 Plus Emergency Travel Assistant Service Plus Emergency Travel Assistant Service

Dental optional optionalLimitations 3 Month waiting period 3 Month waiting periodPreventive Co-Insurance 80% Co-Insurance 80% Services 6 units scaling, 9 month recall 6 units scaling, 9 month recall Oral Surgery Oral Surgery, Fillings, X-rays, Fluoride Space Maintainers, Extractions Anaesthesia, Denture RepairsEndodontic & Peiodontics Included IncludedMajor restorative Not included Co-insurace 50% Crowns, Bridge & DenturesMaximums $750 per calendar year $1,000 per calendar year

Optional Benefi tsAccidental Death & Dismemberment Program in units of $50,000 to Program in units of $50,000 to $300,000 full benefi t schedule $300,000 full benefi t scheduleCritical illness $50,000 covering TEN Life threatening $50,000 covering TEN Life threatening Conditions ConditionsDisability Individual Disability Insurance Individual Disability InsuranceInsurance Program available as an option Program available as an optionCatastrophic Drug Coverage This rider increases prescription This rider increases prescription Drug coverage to $25,000 per family drug coverage to $25,000 per family Member/year member/year

traDitional hEalth plans

solo plans start as low as $59.34 per month per employee

What’s mynext step

nExt stEpThe Copperstone Team is waiting to hear from you, if you are ready to get your personalized BEnsplus

quote, please complete the Getting to Know you form at www.bensplus.ca/nextsteps phone

them at 1-800-363-3043 or emailbensplus@copperstonefi nancial.ca

Copperstone was founded in 1982, and located in Berwick, Nova Scotia, Copperstone Financial Group has grown to specialize

in offering quality life and disability insurance advice and products to the local business community.