BOMA Benefit PackageBenefits for growing businesses

JOIN US!BOMA has partnered with Dehoney Financial Group and Benefits by Design (BBD)

to create a package of benefit options designed with our corporate members in mind.

The BOMA Benefits Plan offers the price stability you want, access to the benefits your employees need, and freedom from the burden of administration.

BBD handles all the paperwork so you can focus on your business.

Create your group benefits plan TODAY!

Contact Erin Gunn604-742-4034 / egunn@dehoney.com / 1-888-684-2300

BOMA – Package Features • Online access to booklets• Coverage to age 75 years for Life, AD&D, Dependent Life, Critical Illness, Extended Health

and Dental benefits• Family Critical Illness coverage available• Optional Life - Available to Employee and/or Spouse - Units of $10,000 to a maximum of $500,000 - Medical evidence required• Optional AD&D - Available to Employee or Employee and Family - Units of $50,000 to a maximum of $300,000 - Spouse without Children = 50% of Employee Amount - Children without Spouse = 25% of Employee Amount for each Child - Spouse and Children = Spouse 40% / each Child 10%• BBD Administration Services with a dedicated CSR and online capabilities

BOMA – Optional BenefitsFull Employee & Family Assistance (EFAP) - offered by Arete Human Resources

• Unlimited Short-Term Counselling• Work-Life Solutions: Lifestyle and Specialty Counselling• Substance Abuse Counselling• Crisis Management Services• Online Resources and Services• $1.08 per employee per month if LTD is a part of your plan or $5.95 if LTD is not in place.

Health Care Spending Account (HCSA) • Manage benefit costs• Flexibility for employees

Working hard to bring value to

BOMA members.

As a valued member of BOMA, you now have access to a competitive and flexible employee

benefits program offered by Dehoney Financial Group and Benefits By Design.

As an employer, you know the value of a highly-engaged workforce. Employees are directly

linked to your company’s profits and earnings, and to an even greater savings when turnover

rates are low. This program can help your business attract and retain great managers and

create loyal employees.

Choices for EVERY business

BENEFIT STANDARD PROVISIONS OPTIONS

Life - required Reduction of 50% at age 65 to a maximum of $100,000 Further reduced by 50% at age 70, to a maximum of $25,000 Termination: age 75 or earlier retirement

Accidental Death & Dismemberment - required Matches Life Benefit

Dependent Life Spouse: $10,000 Child (from birth): $5000

Critical llness Multiple event coverage Conversion available Termination: age 75 or earlier retirement

Long Term Disability Benefit: 66.67% of the first $2250 of monthy salary, 50% of the balance Elimination period: 120 days Definition of Disability: 2 year own occupation, any occupation thereafter Maximum benefit period: to age 65

Short Term Disability Benefit: 66.67% of weekly earnings; Maximum benefit period: 17 weeks Termination: age 70 or earlier retirement

Extended Health Care Termination: age 75 or earlier retirement Annual Deductible: Nil Overall maximum: Unlimited

Drugs Pay direct drug card Prescription by law drugs reduced to the lowest cost generic Not covered: sexual dysfunction, smoking cessation, fertility drugs

Professional Services Practitioners include: Acupuncturist, Chiropractor, Massage Therapist, Naturopath, Osteopath, Podiatrist, Physiotherapist, Registered Psychologist, Master of Social Work, Speech Therapist*, Athletic Therapist, Chiropodist, Dietician* (* requires Doctor referral)

Vision Coinsurance: 100%

Emergency Out-of-Province Coinsurance: 100%, $5,000,000 lifetime max Trip duration limit: 60 days

Other Expenses Coinsurance: Matches professional services (Hospital 100%) Benefits include: Semi-private hospital, private duty nursing, custom-made orthotics & orthopedic shoes, wigs, surgical stockings, hearing aids, and eye exams

Dental Termination: age 75 or earlier retirement. Annual Deductible: Nil

Basic Recall: Twice in 12 months

Major (crowns, bridges, dentures) Coinsurance: 50%

Orthodontics Coinsurance: 50%, $2500 lifetime maximum

Annual Max combined with Basic: $1000 $1500 $2500

Benefit: $25,000 $50,000 $100,000 Multiple of earnings

Maximum Benefit: $3000 $5000 $8000 $10,000

Maximum Benefit: EI maximum $800 $1200

Coinsurance: 80%, dispensing fee deductible 80% 100%, dispensing fee deductible 100%

Coinsurance: 80% 100%Annual maximum per practitioner: $300 $400 $500

Frames and Lenses: $0 / 24 months $200 / 24 months $300 / 24 months

Coinsurance: 80% 100%Annual Maximum (if Basic coverage only): $750 $1000

Spouse only Spouse and Dependent Children

Coverage amounts increase depending on size of group