S- Single Coverage (employee only)
F- Family Coverage (employee & eligible dependants)
W- Waived for Extended Health or Dental (to be eligible for waiver, employee must be covered by spouse's plan)

Take the first step in joining the multitude of  companies enjoying this
unique insurance concept.

You may print these sheets and fax them to me, or you can complete
them on your computer and e-mail the information 

If this is your first plan:

The Basics Benefit  of a group insurance plan is Life insurance and Accidental
Death and Dismemberment, After the Basic you select your coverage from
“Create Your Own Package”

Create Your Own  by selecting from these benefits:

Plan Design

Mandatory Life Insurance/Accidental Death & Dismemberment      
                           
                                             $25,000     or      $50,000

Dependent Life                                  No   Quote
                                                               or
                                      $10,000 spouse   $5,000 each child
                                                               or
                                      $  5,000 spouse   $2,500 each child

Why Buy Weekly Income:

• Owners/Shareholders and family run businesses usually do not qualify for E.I.
  resulting in an income gap before they receive long term disability income
• it is usually guaranteed issue if you have more than 3 employees
• I recommend Weekly Income Benefits because when a business loses the
  day to day involvement of an owner they also lose income.
• when an owner/shareholder or family member becomes disabled others have to work
  more overtime, or hire additional people, putting a strain on cash flow
• when others have to work and support a disabled employee partnerships
  and family relationships become strained.
   
  Weekly Income                           No Quote 
                                                         or
                       1st Day Accident 8th Day Sickness Benefits paid for 121 days
                                                         or
                     15th  Day Accident 15th Day Sickness Benefits paid for 121 days

                                                Owners     or      All Employees
      (If you chose weekly income for all employees you will qualify for the E.I. Premium reduction)

Why Buy Long Term Disability:

• Insurance companies are making it more difficult to buy the product
• premiums are very high, especially if you are a smoker and over 50
• when a condition is excluded on your personal plan it is usually there for
  the term of the policy
• when a group insurance policy excludes a condition for which you have
  had treatment, consultation or surgery within 90 days before you join the
  group plan, that condition is excluded  for one year
• several insurance companies have partial and residual disability definitions
  in their plans
• with more than 3 employees you are guaranteed an amount of coverage,
  no matter what your health condition
• if you are a blue collar worker, the definition of disability used to qualify
  for a claim is the same as one used in a personal disability
• if you leave your current employer, have a medical condition and want
  to have personal disability, I have products to which you are able to
  convert your disability insurance
  when an individual has financial problems they cancel or consider cancelling
  all their insurance. By having company disability coverage they cannot do that.
  This keeps coverage in place, for a time when the stress of the financial problems
  cause health problems
• When an owner/shareholder or family member becomes disabled others have to
  work more overtime, or hire additional people, putting a strain on an already stressful situation
• When others have to work and support a disabled employee partnerships and family
  relationships become strained

Long term Disability                                No Quote
                                                                   or     
                                   121 Day elimination period benefits paid to age 65

Why Buy Extended Health Benefits: 

• Any premium paid by the business is tax deductible, tax free to the employee
  and the business does not have to pay any government payroll taxes on the premium paid
• if an employee is currently paying for medications, they are buying them with after tax dollars
• when prescriptions and other medical items are covered by the extended medical, you provide
  more spendable income to the employee
• in today’s tough economic times you may not be able to provide a raise but an extended
  medical plan could help an employee financially       

Plan  Design                                            No Quote
                                                                    or                         
Annual  Deductible :                         Nil       or       $25 single and $50 family
                                                                    or
                  $50 single and $100 family       or       $100 single and $200 family

Prescriptions reimbursement:          
                                                70%      or     80%   or     100%      
    (there is no deductible on prescriptions, all plans provide a Pay Direct Drug Card,
                          there will be no annual limit on medications )

 Vision                                           No  Quote
                                                             or
                         $100 vision care        or      $150 vision care   
                                                             or 
                          $200 vision care        or      $250 vision care

Chiropractor/Physiotherapy Massage Therapy, etc. annual maximum 
Per practitioner             
                                    $300    or     $500   or     $700

Items that will also be included in your plan, Travel Insurance, Private Duty Nursing,
Orthotics, Crutches and Braces, Semi private hospital room, and Medical equipment        

Why Buy Dental Insurance

• Any premium paid by the business is tax deductible, tax free to the employee and
  the business does not have to pay any government payroll taxes on the premium paid
• if an employee is currently paying for dental, they are paying with after tax dollars
• when dental procdeurers are reimbursed you provide more spendable income to the employee
• in today’s tough economic times you may not be able to give raises, but a dental
  plan could help an employee financially      
• here are 3 levels to Dental Insurance:  Basic, Major and Orthodontics.
  You can chose Basic only, or Basic/Major combined, or Basic/Major/Orthodontics
• To see what is covered under each option click here 

Dental Insurance:                                                No quote                                        
                                    Annual  Deductible :       Nil          or        $25 single and $50 family  
                                   or    $50 single and $100 family    or       $100 single and $200 family
 Basic Services                                     check here
  Check-ups, cleanings, fillings, extractions, root canals, gum disease treatments, etc.
                                                  80%  coverage                or            100% coverage  
                                                  6 month check-ups          or            9 month check-ups
Annual maximum 
Per family member               $1,500      or           $2,000          or              $2,500

50% Major
Crowns, Dentures                                check here
If this option is chosen the Annual Maximum will be combined with the Basic limit for total annual limit per family member

50% Orthodontics             Children under 19               Children and Adults
        Lifetime limit                        $1000       or        $1,500        or         $2,000
 
Critical Illness (per employee)    $10,000             or             $15,000
       Limit is based upon the number of employees and may be restricted

Why This Plan  How to Apply   Things You Need to Know  Contact Us              
Guaranteed 10% Discount Get A Second  Opinion  
                                               
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