TRADES EDGE - The BEST* Disability Plan in Canada        
  
Occupations covered include:

Auto Body, Bricklayers, Carpenters, Drywallers, Electrician, Framer, Fumigators, Gas Fitters, Glazer, Heating & Air Conditioning Installers, Heavy Equipment Operators, Joiners, Landscapers, Locksmiths, Masons, Mechanics, Millwrights, Painters, Plumbers, Roofers, Sheet Metal, Steam Fitters, Tapers, Tile Setters, Welders, Window and Siding Installers and much, much, more!
 
Designed for:

        EMPLOYEES, CONTRACT WORKERS and the SELF-EMPLOYED

• Injury ONLY  or  Injury & Illness coverage

• NO Medical Tests!  

• Guaranteed to Issue!

• ON the job (24 hour)  or  Off the job Coverage 

• Coverage from: 

  • 1st day of disability,

  • 30th day of disability, or

  • 120th day of disability

• Benefit Paid for: 

  • 5 years,  or

  • to Age 70

• Benefit Amount - (Cash in your Pocket):

  • maximum issue limits - up to $4000 a month for disability,

  • maximum issue limits - up to $4000 a month for BOE,

  • maximum combined limit - up to $6000 a month.

• Based on Gross Income or Earned Income; what ever pays more! 

• INCLUDES:

  • Partial Disability Benefit - 50% benefits for up to 180 days

  • Premium Waiver - after 30 days of total disability, when benefits payable

  • Return to Work Assistance

  • $10,000 Accident Medical Benefit

• OPTIONAL BENEFITS:

  • Accidental Death & Dismemberment

    • $100,000 to $300,000 limit at $9.00 per $100,000

      • Note: paralysis due to accident lasting 12 months results in 100% pay out - tax free.

  • Business Overhead Expense (BOE)

    • reimbursement of fixed contractual business expenses

    • $1000 to $4000 per month up to 12 times the month benefit

    • Injury ONLY or Injury & Illness Coverage

    • 30 day elimination period for both Injury and Illness

  • Out of Province Travel Coverage - Single or Family

    • provides $5,000,000 per Coverage Period with unlimited 30 days per trip

      • Note: no pre-existing limitations

Downloads

Disability Overview 85484-Mar 09

Edge(LOI)PolicyWording

Edge Disability Brochure