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 best possible coverage. We can mirror your current plan and add features no one else offers at no additional cost. No current plan? No Problem! We can help you design the perfect plan to fit your budget and your employees needs.

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• Life Insurance• ASI• Long Term Disability• Short Term Disability• Critical Illness

small BusinEss 3+

convEniEnt paymEnt options availaBlE

your planyour choicE

Customize your plans to what you want. We will mirror your current plan and add so many more features at no additional cost

no mEDical rEquirED

MRI Benefits?wow! that’s not in

my other plan

BEnsplus group insurancE plan FEaturE BEnEFitsThe following benefit enhancements are included as standard features in the BENSPlus Group Insurance Plan at no additional cost.

Critical Disease Benefit: This benefit is available to employees under age 65 who become disabled from a covered critical disease. It will provide a lump sum payment equal to 10% of their Accident & Serious Illness Benefit amount up to a maximum of $50,000. Covered diseases include Polio, Parkinson’s, MS, ALS, Alzheimer’s, Huntington’s Chorea, Type 1 Diabetes, Peripheral Vascular Disease and Ne-crotizing Fasciitis.

Serious Illness Benefit:This benefit is available to employees under age 65 that are diagnosed with one of the covered serious illnesses and provides a lump sum payment of 10% of their Accident & Serious Illness Benefit up to a maximum of $10,000. Illnesses include Cancer, Heart Attack, Stroke and Kidney Failure.

Hospital Indemnity Benefit:This benefit provides a cash payment of $40 per day after an eligible claimant has been hospitalized for 5 consecutive days up to a maximum of 180 days. This benefit is in addition to hospital coverage and is not dependent on including hospital coverage.

Trip Cancellation Benefit:The included travel benefit provides payment up to $5,000 per claim for trip cancellation when cancelled due to specified reasons such as illness or accident.

MRI BenefitThis benefit gives plan members $1,000 per calendar year to-wards obtaining an MRI (providing it is not prohibited by provincial legislation).

Diagnosis +:This service allows plan members to obtain a valuable medi-cal second opinion when diagnosed with a critical illness. It provides a case specific second opinion and suggested treatment plan from highly qualified specialists. The service is accessed remotely, with no travel required. The specialist provides your physician with unique resources and expertise. This is a fully Canadian service offered in partnership with McGill University Health Centre.

Lifeworks:This benefit is available to all employees and their depend-ents, and is a comprehensive resource to help employees address emotional problems and to seek practical solutions to both personal and professional issues. The service is available 24 hours, 7 days per week and is 100% confidential. There are no fixed limits on service utilization.

DMI: Disability Management InstituteDMI is a feature included as a supplement to Long Term Disability benefits. DMI services address all aspects of an employee absence due to non-work related injury or illness. DMI will provide administrative claims management services; manage communication between all parties; provide confiden-tial, free support for employees and employers; and develop customized return-to-work plans.

Living BenefitsLiving benefits gives plan members who have been diag-nosed with a terminal illness access to 50% of their group life insurance benefit up to a maximum of $50,000.

Guaranteed Issue Optional life and Critical IllnessBENSPlus provides access to both employees and their spouses to guaranteed optional life and critical illness bene-fits. Amounts up to $50,000 do not require medical evidence.

EvEn morEstanDarD insurancE plan FEaturE BEnEFits

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 insurance, health insurance and Pension advice to the local business community