EDGE Express Quote>Application is simple to use! To start a new quote, click the "New Quote/eApp" link on the blue header above.
If you wish to continue with an existing quote, simply click on the quote information in the "Open Quotes" section on the "My Quotes/Applications" screen. This is where all of your current quotes will be listed.
Once you have submitted an electronic application, it will be moved to the "Electronic Applications" section below.
If the client is not present when you submit your electronic application, the client will be sent an email and will need to confirm or submit it to EDGE before it is released. So, remember to make sure the applicant is aware to check for the email, and you should check the status of all electronic applications where the client is not present, within 24-48 hours of completion, to ensure they have been submitted to EDGE.
If you have not written business with The Edge Benefits within the last two years, you will be contacted by Advisor Services to update your contracting requirements.
Protecting our lifestyle is a fundamental element in financial planning. Once started, it requires regular updates to ensure it meets our needs.
This SIX STEP guide will help keep you on track:
1) Understand how lifestyle is supported by income.
2) Determine what protection is important.
3) Move the catastrophic risk to us.
4) The EDGE plan is only as good as the client understands it – review the benefits, features, exclusions, and limitations of the coverage being purchased.
5) The EDGE will send the policy directly to the applicant. Advisors and clients should arrange to meet to review its coverages. Clients should take this time to decide on next steps to protect and preserve their lifestyle.
6) Clients are encouraged to keep your LIFESTYLE PROTECTION PLANNER and policy booklets in a safe place, and review them with the Advisor annually.
Let's Begin!
It all starts with the quotation. To get started, just click on the product you would like, provide the information requested, and click "Add This Product".
To remove coverage from the quote at anytime, simply click the red minus sign on the product icon.
When you have completed the quote selections, click "View Quote" to continue to Quote Summary and/or Electronic Application.
Please note, the language you start a quote in will remain throughout the entire quote process.
If you need assistance with any part of this process, please contact us
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
If the client is present when the electronic application is submitted, it will be sent to EDGE immediately upon completion.
If the client is not present, an email will be sent to the client to accept before it is sent to EDGE. Ensure the client is aware and check the status of the electronic application within 24-48 hrs to ensure it has been submitted to EDGE.
* This quotation is provided to assist you in understanding the coverage you are applying for. It is not a contract or an offer to provide insurance. In the event a policy is issued, the terms of the policy contract will apply.
Accidents and injuries happen every day! What would you do to continue to support your family if you were unable to work due to an accident or injury?
Soft Tissue Injuries included - contusions, a sprain or a strain, and the following conditions; bursitis, carpal tunnel syndrome, epicondylitis, patellofemoral syndrome, palmar fasciitis, plantar fasciitis, rotator cuff injury, tarsal tunnel syndrome, and tendonitis.
Accident Medical Treatment Benefit of $10,000 included
Benefit Amount is the amount of monthly benefit you are eligible to purchase. Available amounts showing were determined by taking into consideration the income previously indicated.
24 Hour / Non-Occupational 24 hour protection or protection only for non-work related disabilities.
Elimination Period determines when benefits will become payable, after the onset of Disability, on a monthly basis in arrears. How long can you go without an income?
Benefit Period determines how long benefits are payable to you
Available 18-69 Coverage to Age 75.
(Benefits payable to Age 70 if disabled prior to age 68, or for 24 months if disabled between ages 68 and 75.)
Existing Coverage remaining in force with the EDGE: Maximum Monthly Benefit Amount for classes A,B, BB up to $5,000 and classes AA and Executive up to $6,000. Participation with another provider, Maximum Monthly Benefit Amount for classes A,B, BB up to lesser of QIME or $8,000, and classes AA and Executive up to lesser of QIME or $20,000.
Email nb@edgebenefits.com for any occupations not listed.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of detailed Policy Booklet Wording, please click here.
Illnesses are unplanned and happen every day! What would you do to continue to support your family if you were unable to work due to an illness?
Loss of Income “Illness” Coverage, is only available as a rider in conjunction with Loss of Income Injury Coverage, and is intended to provide an income when you can't work due to an illness. After 30 days of disability, premiums will be waived.
6 Simplified Gateway Questions to determine if you may be eligible for Illness Coverage. If you qualify and continue to the electronic application, additional simplified medical questions will be asked.
Benefit Amount is the amount of monthly benefit you are eligible to purchase. Available amounts showing were determined by taking into consideration the income previously indicated.
24 Hour / Non-Occupational 24 hour protection or protection only for non-work related disabilities.
Elimination Period determines when benefits will become payable, after the onset of Disability, on a monthly basis in arrears. How long can you go without an income?
Benefit Period determines how long benefits are payable to you.
Available 18-64 Coverage to Age 70
Email nb@edgebenefits.com for any occupations not listed
Psychiatric, psychological or emotional disorders as well as Chronic Fatigue, Chronic Pain syndromes, fibromyalgia, Epstein Barr and other subjective syndromes or conditions are excluded.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of detailed Policy Booklet Wording, please click here.
Benefits are paid to the Insured in a Lump Sum Tax Free Benefit ~ in addition to any Loss of Income Benefits payable.
Payable after 60 months of receiving EDGE total disability Loss of Income Injury Benefits.
Waiver of Premium: Included (after 30 days of total disability & when loss of income benefits become payable)
Available ages 18-64
To view a copy of the detailed Policy Booklet wording, click here.
We recognize that truck drivers are at greater risk - every day! The Roadside EDGE is a suite of 3 products packaged and discounted for truck drivers across Canada.
Loss of Income Injury
Benefit Amount is the amount of monthly benefit you are eligible to purchase. Available amounts showing were determined by taking into consideration the income previously indicated.
24 Hour / Non-Occupational 24 hour protection or protection only for non-work related disabilities.
Elimination Period determines when benefits will become payable, after the onset of Disability, on a monthly basis in arrears. How long can you go without an income?
Benefit Period determines how long benefits are payable to you
Soft Tissue Injuries included - contusions, a sprain or a strain, and the following conditions; bursitis, carpal tunnel syndrome, epicondylitis, patellofemoral syndrome, palmar fasciitis, plantar fasciitis, rotator cuff injury, tarsal tunnel syndrome, and tendonitis.
Accidental Death & Dismemberment
The immediate impact is devastating and the financial effects can be long lasting. The EDGE's Accidental Death and Dismemberment plan is an affordable way to provide you with coverage that pays a tax free lump sum in the event of an accidental death or other specific losses.
If Family coverage is selected, your spouse is covered for 50% of the benefit amount, and dependent children are eligible for 15% of the benefit amount.
Travel Medical Emergency Coverage
When you travel out of your province, your provincial plan does not cover all potential expenses you may incur if you become ill or are injured while away.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
All products renew October 1st
To view a copy of the detailed Policy Booklet wording, click here.
Self-employed business owners are the key contributor to the success of the business, so consider the impact if unable to work due to a disability for any length of time. Don’t let a personal disability disable the business as well!
Let your EDGE Plan be your silent partner!
BOE reimburses fixed contractual operating expenses in the event of an Insured owner’s disability.
Accident Medical Treatment Benefit of up to $10,000 included to help cover unexpected medical expenses.
Benefit Amount is the amount of monthly benefit you are eligible to purchase based on the expenses indicated.
Elimination Period determines when benefits will become payable, after the onset of Disability. How long can your business exist without your income?
Benefit Period determines how long benefits are payable to you. The greater of the monthly amount purchased, or until 24 times the monthly amount purchased is exhausted.
BOE Injury 18-69 Coverage to Age 75
BOE Illness 18-64 Coverage to Age 70
Email nb@edgebenefits.com for any occupations not listed
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of a detailed Business Overhead Expense Injury Policy Booklet Wording, please click here.
To view a copy of a detailed Business Overhead Expense Illness Policy Booklet Wording, please click here.
Suffering a critical illness is more common than you think, but being approved for Critical Illness insurance can sometimes be difficult. It often depends on your health, or the history of your family's health.
Benefits amounts up to $125,0000 available:
Tier 1 (Guaranteed Issue): Available in units of $5,000 up to $25,000, or choose a $50,000 or $75,000 benefit amount.
Tier 2 (Simplified Qualification): Additional $25,000 or $50,000 coverage available, for a combined maximum of up to $125,000. Only available if EDGE Tier 1 maximum benefit amount is selected or in-force, and qualifying questions are satisfied.
Child Critical Illness Rider: $10,000 benefit per child (can be added to either Tier 1 or 2). 4 additional covered conditions: Cerebral Palsy, Cystic Fibrosis, Down Syndrome and Muscular Dystrophy.
Pre-Existing Condition - claims within 24 months of the effective date will not be eligible if the applicant sought or received medical advice, consultation, investigation, diagnosis, or for which treatment was required or recommended in the 24 months preceding the effective date.
90 Day DCIS, Early Stage Prostate Cancer (T1a or T1b) Treatment and Cancer Exclusion
The EDGE Critical Illness plan covers 25 Medical Conditions; diagnosed after the effective date of coverage:
| 25 Covered Conditions |
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Available 18-64, Coverage to Age 70
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view Frequently Asked Questions (FAQ) Click here
To view a copy of the detailed Policy Booklet wording, click here.
The immediate impact is devastating and the financial effects can be long lasting.
The EDGE's Accidental Death and Dismemberment plan is an affordable way to provide you with coverage that pays a tax free lump sum in the event of an accidental death or other specific losses.
If Family coverage is selected, your spouse is covered for 50% of the benefit amount, and dependent children are eligible for 15% of the benefit amount.
Email nb@edgebenefits.com for any occupations not listed
Available 18-64, Coverage to Age 70
All Plans Renew October 1st
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet Wording, click here.
This plan is perfect for covering the cost of final or funeral expenses in the event of your death. You don't want to leave your loved ones the financial burden of unforeseen expenses.
Your acceptance is guaranteed!
No medical exam or health questions asked!
Return of premium If a non-accidental death occurs within 24 months.
Accidental Death 4 times the benefit amount if death is accidental.
Living Benefit If you are diagnosed with a terminal illness with a prognosis of death within 12 months, you will be paid 50% of the benefit amount, provided the insurance has been inforce for at least 2 full years at the time of diagnosis.
Available 18-69, Coverage to Age 75
Rates are age-banded and will increase in accordance with age-bands during the lifetime of the policy.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
Coverage is applicable to any accident, anywhere in the world, 24 hours a day.
Base Plan
| Fracture Of | Benefit Amount |
| Depressed Skull | $12,000.00 |
| Spine (one or more vertebrae) | $6,000.00 |
| Jawbone | $4,000.00 |
| Pelvis | $4,000.00 |
| Upper Leg | $4,000.00 |
| Knee cap | $3,500.00 |
| Shoulder blade | $3,000.00 |
| Wrist(small bones) | $3,000.00 |
| Lower leg | $3,000.00 |
| Ankle(small bones) | $3,000.00 |
| Forearm | $2,500.00 |
| Sternum | $2,000.00 |
| Sacrum/coccyx | $2,000.00 |
| Upper arm(elbow-shoulder) | $2,000.00 |
| Collar bone | $1,500.00 |
| Nose | $1,500.00 |
| Two or more ribs | $1,000.00 |
| Hand | $1,000.00 |
| Foot | $1,000.00 |
| One rib | $750.00 |
| Any bone not specified | $500.00 |
Primary Plan - ½ of above Base Plan Amounts
Available 18-64, Coverage to Age 70
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
When you travel out of your province, your provincial plan does not cover all potential expenses you may incur if you become ill or are injured while away.
Monthly Travel Medical Emergency Coverage provides you with peace of mind when you travel anywhere in the world by providing you with Emergency Assistance Service 24 hours 7 days a week. When an emergency happens, you'll know where to go to get the help needed.
Must have provincial health insurance in place.
Available 18-64, Coverage to Age 75 / All Plans Renew October 1st
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
When you travel out of your province, your provincial plan does not cover all potential expenses you may incur if you become ill or are injured while away.
Annual Travel Medical Emergency Coverage provides you with peace of mind when you travel anywhere in the world by providing you with Emergency Assistance Service 24 hours 7 days a week. When an emergency happens, you'll know where to go to get the help needed.
Must have provincial health insurance in place.
Automatic Annual Renewal.
Available to ages 18-64.
Email nb@edgebenefits.com for any occupations not listed
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
Having your own medical plan is a smart way to fill the gap between those medical expenses that occur, but are not covered by a government health plan.
Our Guaranteed Issue plans are 100% customizable so you only pay for the coverage you want. EDGE Health & Dental plans provide flexible, affordable coverage for prescription drugs, paramedical services, emergency medical travel insurance, vision care, and routine dental care. Choose basic Health & Dental, or select from our optional upgrades to increase the types of covered expenses and amount reimbursed. When other EDGE coverage is purchased in addition to the Health & Dental Plan, a discount is automatically applied.
Acceptance is guaranteed for Canadians under age 70 who have provincial medical coverage. Any expenses normally covered under Provincial Health Insurance plans are not covered. Health coverage starts the 1st of the month following approval. Dental benefits are eligible after a 1 month waiting period following your coverage effective date. This Dental waiting period does not apply to plans under a Multi-Life billing arrangement.
All Health and Dental plans renew annually, October 1st. Rates are age-banded and will increase in accordance with age-bands during the lifetime of the policy. Rates may be adjusted for the entire group once a year, each October.
| Health Plans | |||
| Provided by Green Shield Canada. Issue ages 18-69, coverage to age 75. Health cannot be purchased as a stand-alone product without Dental. | |||
| OPTIONAL UPGRADES | |||
| BASE HEALTH PLAN [Guaranteed Issue] |
HEALTH Upgrade [Guaranteed Issue] |
DRUG Upgrade [Underwritten] |
|
| PRESCRIPTION DRUGS Quebec residents: prescription drug coverage not available unless RAMQ Top Up product is selected. |
|||
| Maximum | Paid at 70% $400 1st year $500 2nd + years |
Paid at 90% per person $1,000 1st year $1,500 2nd year $2,000 3rd+ years |
|
| EXTENDED HEALTH CARE | |||
| Professional Services / Registered Therapists: | $1,000 per year combined for all practitioners | $1,500 per year combined for all practitioners | |
| Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Registered Massage Therapist, Naturopath, Osteopath, Physiotherapist | $20 per visit, $400 per year |
$40 per visit, $500 per year |
|
| Psychologist/Registered Social Worker/Clinical Counsellor | $400 per year combined | $750 per year combined | |
| Speech Therapist | $400 per year | $500 per year | |
| Accidental Dental | $3,000 per person, per year | $10,000 per person, per year | |
| Ambulance Transportation | Includes land and air | Includes land and air | |
| Hearing Aids | Not covered | $500 every 36 months | |
| Medical Services: Diagnostic tests and x-rays, dialysis equipment, laboratory tests |
$2,000 per person, per year | $3,000 per person, per year | |
| Medical Items and Home Support Services (in-home nursing) | Year 1: $1,500 Year 2: $2,000 Year 3: $3,000 Year 4+: $4,000 per person, per benefit category, per year |
$10,000 per person, per year combined | |
| TRAVEL | |||
| Emergency Medical Travel Coverage out of Province / Country | 15 days per trip $5,000,000 per person, per year |
15 days per trip $5,000,000 per person, per year |
|
| VISION CARE | |||
| Prescription eyeglasses, contact lenses, laser eye surgery | Not covered | $250 every 24 months | |
| Eye examinations | Not covered | $65 per person, every 24 months | |
| Dental Plans | ||
| Provided by Green Shield Canada. Issue ages 18-69, coverage to age 75. | ||
| OPTIONAL UPGRADE | ||
| BASE DENTAL PLAN [Guaranteed Issue] |
DENTAL Upgrade [Guaranteed Issue] |
|
| Maximum | Paid at 70% $450 per person, per year |
Paid at 80% per person $1,000 1st year $1,250 2nd + years |
| BASIC PREVENTIVE & RESTORATIVE SERVICES | ||
| Recall exams, preventive cleaning, fluoride for children | Paid at 70% Available every 9 months |
Paid at 80% Available every 9 months |
| Bitewing x-rays | Paid at 70% Available every 12 months |
Paid at 80% Available every 9 months |
| Complete oral exams, full x-rays | Paid at 70% Available every 3 years |
Paid at 80% Available every 3 years |
| ENDODONTIC & PERIODONTAL TREATMENT AND DENTURE SERVICES | ||
| Periodontal scaling, occlusal equilibration | Paid at 70% 8 units every 12 months |
Paid at 70% 8 units every 12 months |
| Denture cleaning | Paid at 70% Available once every 12 months |
Paid at 70% Available once every 12 months |
| Denture relining or rebasing | Paid at 70% Available once every 3 years |
Paid at 70% Available once every 3 years |
| OPTIONAL SMALL BUSINESS BENEFITS UPGRADE: PREMIER PACKAGE | |||
| Not available in Quebec. | Small Business Benefits Premier Package | ||
| PRESCRIPTION DRUGS | |||
| Maximum | Paid at 90% per person $2,500 1st year $3,500 2nd year $5,000 3rd+ years |
||
| EXTENDED HEALTH CARE | |||
| Professional Services / Registered Therapists: | $2,000 per year combined for all practitioners | ||
| Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Registered Massage Therapist, Naturopath, Osteopath, Physiotherapist | $50 per visit, $500 per year |
||
| Psychologist/Registered Social Worker |
$1,000 per year combined | ||
| Speech Therapist | $500 per year | ||
| Accidental Dental | $10,000 per person, per year | ||
| Ambulance Transportation | Includes land and air | ||
| Hearing Aids | $500 every 36 months | ||
| Medical Services: Diagnostic tests and x-rays, dialysis equipment, laboratory tests |
$3,000 per person, per year | ||
| Medical Items and Home Support Services (in-home nursing) | $10,000 per person, per year combined | ||
| TRAVEL | |||
| Emergency Medical Travel Coverage out of Province / Country | 15 days per trip $5,000,000 per person, per year |
||
| VISION CARE | |||
| Prescription eyeglasses, contact lenses, laser eye surgery $500 every 24 months |
| Eye examinations | $65 per person, every 24 months |
| DENTAL |
| Maximum | Paid at 80% per person $1,250 1st year $1,500 2nd year $2,000 3rd+ years |
|
| BASIC PREVENTIVE & RESTORATIVE SERVICES | ||
| Recall exams, preventive cleaning, fluoride for children | Paid at 80% Available every 9 months |
|
| Bitewing x-rays | Paid at 80% Available every 9 months |
|
| Complete oral exams, full x-rays | Paid at 80% Available every 3 years |
|
| ENDODONTIC & PERIODONTAL TREATMENT AND DENTURE SERVICES | ||
| Periodontal scaling, occlusal equilibration: 8 units every 12 months Denture cleaning: once every 12 months Denture relining or rebasing: once every 3 years |
Paid at 80% $1,250 1st year $1,500 2nd year $2,000* 3+ years |
|
| MAJOR DENTAL SERVICES | ||
| Starting in year 3 - Crowns, bridges, dentures, 1 every 5 years | Paid at 50% $2,000* 3rd+ years |
|
| GENERAL INFORMATION |
Please note that all Edge Benefits plans renew annually based on the pooled experience of all policyholders, as well as many other market factors impacting premiums. These adjustments are generally effective on the 1st of October. In addition, some of our plan premiums increase automatically at certain ages.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
Congratulations you have taken important steps to Safeguard your Lifestyle.
All Completed Quotations will be automatically saved in your profile and can be accessed at any time by clicking “My Quotes / Electronic Applications” in the blue bar.
**All Submitted Applications will be automatically saved in your profile and can be accessed at any time by clicking “My Quotes/Electronic Applications” in the blue bar.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
Congratulations on your decision to continue the process of Safeguarding your Lifestyle!
Please note the progress bar will keep you informed of your progress.
This electronic application can be submitted…
If the client is present, the application will automatically be sent to EDGE upon completion.
If the client is absent, we recommend you:
As mentioned above, at the end of the electronic submission process the applicant must electronically sign and accept the application via email with the following process:
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
EDGE Express Quote>Application is simple to use! To start a new quote, click the "New Quote/eApp" link on the blue header above.
If you wish to continue with an existing quote, simply click on the quote information in the "Open Quotes" section on the "My Quotes/Applications" screen. This is where all of your current quotes will be listed.
Once you have submitted an electronic application, it will be moved to the "Electronic Applications" section below.
If the client is not present when you submit your electronic application, the client will be sent an email and will need to confirm or submit it to EDGE before it is released. So, remember to make sure the applicant is aware to check for the email, and you should check the status of all electronic applications where the client is not present, within 24-48 hours of completion, to ensure they have been submitted to EDGE.
If you have not written business with The Edge Benefits within the last two years, you will be contacted by Advisor Services to update your contracting requirements.
Protecting our lifestyle is a fundamental element in financial planning. Once started, it requires regular updates to ensure it meets our needs.
This SIX STEP guide will help keep you on track:
1) Understand how lifestyle is supported by income.
2) Determine what protection is important.
3) Move the catastrophic risk to us.
4) The EDGE plan is only as good as the client understands it – review the benefits, features, exclusions, and limitations of the coverage being purchased.
5) The EDGE will send the policy directly to the applicant. Advisors and clients should arrange to meet to review its coverages. Clients should take this time to decide on next steps to protect and preserve their lifestyle.
6) Clients are encouraged to keep your LIFESTYLE PROTECTION PLANNER and policy booklets in a safe place, and review them with the Advisor annually.
Let's Begin!
It all starts with the quotation. To get started, just click on the product you would like, provide the information requested, and click "Add This Product".
To remove coverage from the quote at anytime, simply click the red minus sign on the product icon.
When you have completed the quote selections, click "View Quote" to continue to Quote Summary and/or Electronic Application.
Please note, the language you start a quote in will remain throughout the entire quote process.
If you need assistance with any part of this process, please contact us
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
If the client is present when the electronic application is submitted, it will be sent to EDGE immediately upon completion.
If the client is not present, an email will be sent to the client to accept before it is sent to EDGE. Ensure the client is aware and check the status of the electronic application within 24-48 hrs to ensure it has been submitted to EDGE.
* This quotation is provided to assist you in understanding the coverage you are applying for. It is not a contract or an offer to provide insurance. In the event a policy is issued, the terms of the policy contract will apply.
Accidents and injuries happen every day! What would you do to continue to support your family if you were unable to work due to an accident or injury?
Soft Tissue Injuries included - contusions, a sprain or a strain, and the following conditions; bursitis, carpal tunnel syndrome, epicondylitis, patellofemoral syndrome, palmar fasciitis, plantar fasciitis, rotator cuff injury, tarsal tunnel syndrome, and tendonitis.
Accident Medical Treatment Benefit of $10,000 included
Benefit Amount is the amount of monthly benefit you are eligible to purchase. Available amounts showing were determined by taking into consideration the income previously indicated.
24 Hour / Non-Occupational 24 hour protection or protection only for non-work related disabilities.
Elimination Period determines when benefits will become payable, after the onset of Disability, on a monthly basis in arrears. How long can you go without an income?
Benefit Period determines how long benefits are payable to you
Available 18-69 Coverage to Age 75.
(Benefits payable to Age 70 if disabled prior to age 68, or for 24 months if disabled between ages 68 and 75.)
Existing Coverage remaining in force with the EDGE: Maximum Monthly Benefit Amount for classes A,B, BB up to $5,000 and classes AA and Executive up to $6,000. Participation with another provider, Maximum Monthly Benefit Amount for classes A,B, BB up to lesser of QIME or $8,000, and classes AA and Executive up to lesser of QIME or $20,000.
Email nb@edgebenefits.com for any occupations not listed.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of detailed Policy Booklet Wording, please click here.
Illnesses are unplanned and happen every day! What would you do to continue to support your family if you were unable to work due to an illness?
Loss of Income “Illness” Coverage, is only available as a rider in conjunction with Loss of Income Injury Coverage, and is intended to provide an income when you can't work due to an illness. After 30 days of disability, premiums will be waived.
6 Simplified Gateway Questions to determine if you may be eligible for Illness Coverage. If you qualify and continue to the electronic application, additional simplified medical questions will be asked.
Benefit Amount is the amount of monthly benefit you are eligible to purchase. Available amounts showing were determined by taking into consideration the income previously indicated.
24 Hour / Non-Occupational 24 hour protection or protection only for non-work related disabilities.
Elimination Period determines when benefits will become payable, after the onset of Disability, on a monthly basis in arrears. How long can you go without an income?
Benefit Period determines how long benefits are payable to you.
Available 18-64 Coverage to Age 70
Email nb@edgebenefits.com for any occupations not listed
Psychiatric, psychological or emotional disorders as well as Chronic Fatigue, Chronic Pain syndromes, fibromyalgia, Epstein Barr and other subjective syndromes or conditions are excluded.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of detailed Policy Booklet Wording, please click here.
Benefits are paid to the Insured in a Lump Sum Tax Free Benefit ~ in addition to any Loss of Income Benefits payable.
Payable after 60 months of receiving EDGE total disability Loss of Income Injury Benefits.
Waiver of Premium: Included (after 30 days of total disability & when loss of income benefits become payable)
Available ages 18-64
To view a copy of the detailed Policy Booklet wording, click here.
We recognize that truck drivers are at greater risk - every day! The Roadside EDGE is a suite of 3 products packaged and discounted for truck drivers across Canada.
Loss of Income Injury
Benefit Amount is the amount of monthly benefit you are eligible to purchase. Available amounts showing were determined by taking into consideration the income previously indicated.
24 Hour / Non-Occupational 24 hour protection or protection only for non-work related disabilities.
Elimination Period determines when benefits will become payable, after the onset of Disability, on a monthly basis in arrears. How long can you go without an income?
Benefit Period determines how long benefits are payable to you
Soft Tissue Injuries included - contusions, a sprain or a strain, and the following conditions; bursitis, carpal tunnel syndrome, epicondylitis, patellofemoral syndrome, palmar fasciitis, plantar fasciitis, rotator cuff injury, tarsal tunnel syndrome, and tendonitis.
Accidental Death & Dismemberment
The immediate impact is devastating and the financial effects can be long lasting. The EDGE's Accidental Death and Dismemberment plan is an affordable way to provide you with coverage that pays a tax free lump sum in the event of an accidental death or other specific losses.
If Family coverage is selected, your spouse is covered for 50% of the benefit amount, and dependent children are eligible for 15% of the benefit amount.
Travel Medical Emergency Coverage
When you travel out of your province, your provincial plan does not cover all potential expenses you may incur if you become ill or are injured while away.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
All products renew October 1st
To view a copy of the detailed Policy Booklet wording, click here.
Self-employed business owners are the key contributor to the success of the business, so consider the impact if unable to work due to a disability for any length of time. Don’t let a personal disability disable the business as well!
Let your EDGE Plan be your silent partner!
BOE reimburses fixed contractual operating expenses in the event of an Insured owner’s disability.
Accident Medical Treatment Benefit of up to $10,000 included to help cover unexpected medical expenses.
Benefit Amount is the amount of monthly benefit you are eligible to purchase based on the expenses indicated.
Elimination Period determines when benefits will become payable, after the onset of Disability. How long can your business exist without your income?
Benefit Period determines how long benefits are payable to you. The greater of the monthly amount purchased, or until 24 times the monthly amount purchased is exhausted.
BOE Injury 18-69 Coverage to Age 75
BOE Illness 18-64 Coverage to Age 70
Email nb@edgebenefits.com for any occupations not listed
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of a detailed Business Overhead Expense Injury Policy Booklet Wording, please click here.
To view a copy of a detailed Business Overhead Expense Illness Policy Booklet Wording, please click here.
Suffering a critical illness is more common than you think, but being approved for Critical Illness insurance can sometimes be difficult. It often depends on your health, or the history of your family's health.
Benefits amounts up to $125,0000 available:
Tier 1 (Guaranteed Issue): Available in units of $5,000 up to $25,000, or choose a $50,000 or $75,000 benefit amount.
Tier 2 (Simplified Qualification): Additional $25,000 or $50,000 coverage available, for a combined maximum of up to $125,000. Only available if EDGE Tier 1 maximum benefit amount is selected or in-force, and qualifying questions are satisfied.
Child Critical Illness Rider: $10,000 benefit per child (can be added to either Tier 1 or 2). 4 additional covered conditions: Cerebral Palsy, Cystic Fibrosis, Down Syndrome and Muscular Dystrophy.
Pre-Existing Condition - claims within 24 months of the effective date will not be eligible if the applicant sought or received medical advice, consultation, investigation, diagnosis, or for which treatment was required or recommended in the 24 months preceding the effective date.
90 Day DCIS, Early Stage Prostate Cancer (T1a or T1b) Treatment and Cancer Exclusion
The EDGE Critical Illness plan covers 25 Medical Conditions; diagnosed after the effective date of coverage:
| 25 Covered Conditions |
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Available 18-64, Coverage to Age 70
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view Frequently Asked Questions (FAQ) Click here
To view a copy of the detailed Policy Booklet wording, click here.
The immediate impact is devastating and the financial effects can be long lasting.
The EDGE's Accidental Death and Dismemberment plan is an affordable way to provide you with coverage that pays a tax free lump sum in the event of an accidental death or other specific losses.
If Family coverage is selected, your spouse is covered for 50% of the benefit amount, and dependent children are eligible for 15% of the benefit amount.
Email nb@edgebenefits.com for any occupations not listed
Available 18-64, Coverage to Age 70
All Plans Renew October 1st
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet Wording, click here.
This plan is perfect for covering the cost of final or funeral expenses in the event of your death. You don't want to leave your loved ones the financial burden of unforeseen expenses.
Your acceptance is guaranteed!
No medical exam or health questions asked!
Return of premium If a non-accidental death occurs within 24 months.
Accidental Death 4 times the benefit amount if death is accidental.
Living Benefit If you are diagnosed with a terminal illness with a prognosis of death within 12 months, you will be paid 50% of the benefit amount, provided the insurance has been inforce for at least 2 full years at the time of diagnosis.
Available 18-69, Coverage to Age 75
Rates are age-banded and will increase in accordance with age-bands during the lifetime of the policy.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
Coverage is applicable to any accident, anywhere in the world, 24 hours a day.
Base Plan
| Fracture Of | Benefit Amount |
| Depressed Skull | $12,000.00 |
| Spine (one or more vertebrae) | $6,000.00 |
| Jawbone | $4,000.00 |
| Pelvis | $4,000.00 |
| Upper Leg | $4,000.00 |
| Knee cap | $3,500.00 |
| Shoulder blade | $3,000.00 |
| Wrist(small bones) | $3,000.00 |
| Lower leg | $3,000.00 |
| Ankle(small bones) | $3,000.00 |
| Forearm | $2,500.00 |
| Sternum | $2,000.00 |
| Sacrum/coccyx | $2,000.00 |
| Upper arm(elbow-shoulder) | $2,000.00 |
| Collar bone | $1,500.00 |
| Nose | $1,500.00 |
| Two or more ribs | $1,000.00 |
| Hand | $1,000.00 |
| Foot | $1,000.00 |
| One rib | $750.00 |
| Any bone not specified | $500.00 |
Primary Plan - ½ of above Base Plan Amounts
Available 18-64, Coverage to Age 70
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
When you travel out of your province, your provincial plan does not cover all potential expenses you may incur if you become ill or are injured while away.
Monthly Travel Medical Emergency Coverage provides you with peace of mind when you travel anywhere in the world by providing you with Emergency Assistance Service 24 hours 7 days a week. When an emergency happens, you'll know where to go to get the help needed.
Must have provincial health insurance in place.
Available 18-64, Coverage to Age 75 / All Plans Renew October 1st
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
When you travel out of your province, your provincial plan does not cover all potential expenses you may incur if you become ill or are injured while away.
Annual Travel Medical Emergency Coverage provides you with peace of mind when you travel anywhere in the world by providing you with Emergency Assistance Service 24 hours 7 days a week. When an emergency happens, you'll know where to go to get the help needed.
Must have provincial health insurance in place.
Automatic Annual Renewal.
Available to ages 18-64.
Email nb@edgebenefits.com for any occupations not listed
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
Having your own medical plan is a smart way to fill the gap between those medical expenses that occur, but are not covered by a government health plan.
Our Guaranteed Issue plans are 100% customizable so you only pay for the coverage you want. EDGE Health & Dental plans provide flexible, affordable coverage for prescription drugs, paramedical services, emergency medical travel insurance, vision care, and routine dental care. Choose basic Health & Dental, or select from our optional upgrades to increase the types of covered expenses and amount reimbursed. When other EDGE coverage is purchased in addition to the Health & Dental Plan, a discount is automatically applied.
Acceptance is guaranteed for Canadians under age 70 who have provincial medical coverage. Any expenses normally covered under Provincial Health Insurance plans are not covered. Health coverage starts the 1st of the month following approval. Dental benefits are eligible after a 1 month waiting period following your coverage effective date. This Dental waiting period does not apply to plans under a Multi-Life billing arrangement.
All Health and Dental plans renew annually, October 1st. Rates are age-banded and will increase in accordance with age-bands during the lifetime of the policy. Rates may be adjusted for the entire group once a year, each October.
| Health Plans | |||
| Provided by Green Shield Canada. Issue ages 18-69, coverage to age 75. Health cannot be purchased as a stand-alone product without Dental. | |||
| OPTIONAL UPGRADES | |||
| BASE HEALTH PLAN [Guaranteed Issue] |
HEALTH Upgrade [Guaranteed Issue] |
DRUG Upgrade [Underwritten] |
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| PRESCRIPTION DRUGS Quebec residents: prescription drug coverage not available unless RAMQ Top Up product is selected. |
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| Maximum | Paid at 70% $400 1st year $500 2nd + years |
Paid at 90% per person $1,000 1st year $1,500 2nd year $2,000 3rd+ years |
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| EXTENDED HEALTH CARE | |||
| Professional Services / Registered Therapists: | $1,000 per year combined for all practitioners | $1,500 per year combined for all practitioners | |
| Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Registered Massage Therapist, Naturopath, Osteopath, Physiotherapist | $20 per visit, $400 per year |
$40 per visit, $500 per year |
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| Psychologist/Registered Social Worker/Clinical Counsellor | $400 per year combined | $750 per year combined | |
| Speech Therapist | $400 per year | $500 per year | |
| Accidental Dental | $3,000 per person, per year | $10,000 per person, per year | |
| Ambulance Transportation | Includes land and air | Includes land and air | |
| Hearing Aids | Not covered | $500 every 36 months | |
| Medical Services: Diagnostic tests and x-rays, dialysis equipment, laboratory tests |
$2,000 per person, per year | $3,000 per person, per year | |
| Medical Items and Home Support Services (in-home nursing) | Year 1: $1,500 Year 2: $2,000 Year 3: $3,000 Year 4+: $4,000 per person, per benefit category, per year |
$10,000 per person, per year combined | |
| TRAVEL | |||
| Emergency Medical Travel Coverage out of Province / Country | 15 days per trip $5,000,000 per person, per year |
15 days per trip $5,000,000 per person, per year |
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| VISION CARE | |||
| Prescription eyeglasses, contact lenses, laser eye surgery | Not covered | $250 every 24 months | |
| Eye examinations | Not covered | $65 per person, every 24 months | |
| Dental Plans | ||
| Provided by Green Shield Canada. Issue ages 18-69, coverage to age 75. | ||
| OPTIONAL UPGRADE | ||
| BASE DENTAL PLAN [Guaranteed Issue] |
DENTAL Upgrade [Guaranteed Issue] |
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| Maximum | Paid at 70% $450 per person, per year |
Paid at 80% per person $1,000 1st year $1,250 2nd + years |
| BASIC PREVENTIVE & RESTORATIVE SERVICES | ||
| Recall exams, preventive cleaning, fluoride for children | Paid at 70% Available every 9 months |
Paid at 80% Available every 9 months |
| Bitewing x-rays | Paid at 70% Available every 12 months |
Paid at 80% Available every 9 months |
| Complete oral exams, full x-rays | Paid at 70% Available every 3 years |
Paid at 80% Available every 3 years |
| ENDODONTIC & PERIODONTAL TREATMENT AND DENTURE SERVICES | ||
| Periodontal scaling, occlusal equilibration | Paid at 70% 8 units every 12 months |
Paid at 70% 8 units every 12 months |
| Denture cleaning | Paid at 70% Available once every 12 months |
Paid at 70% Available once every 12 months |
| Denture relining or rebasing | Paid at 70% Available once every 3 years |
Paid at 70% Available once every 3 years |
| OPTIONAL SMALL BUSINESS BENEFITS UPGRADE: PREMIER PACKAGE | |||
| Not available in Quebec. | Small Business Benefits Premier Package | ||
| PRESCRIPTION DRUGS | |||
| Maximum | Paid at 90% per person $2,500 1st year $3,500 2nd year $5,000 3rd+ years |
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| EXTENDED HEALTH CARE | |||
| Professional Services / Registered Therapists: | $2,000 per year combined for all practitioners | ||
| Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Registered Massage Therapist, Naturopath, Osteopath, Physiotherapist | $50 per visit, $500 per year |
||
| Psychologist/Registered Social Worker |
$1,000 per year combined | ||
| Speech Therapist | $500 per year | ||
| Accidental Dental | $10,000 per person, per year | ||
| Ambulance Transportation | Includes land and air | ||
| Hearing Aids | $500 every 36 months | ||
| Medical Services: Diagnostic tests and x-rays, dialysis equipment, laboratory tests |
$3,000 per person, per year | ||
| Medical Items and Home Support Services (in-home nursing) | $10,000 per person, per year combined | ||
| TRAVEL | |||
| Emergency Medical Travel Coverage out of Province / Country | 15 days per trip $5,000,000 per person, per year |
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| VISION CARE | |||
| Prescription eyeglasses, contact lenses, laser eye surgery $500 every 24 months |
| Eye examinations | $65 per person, every 24 months |
| DENTAL |
| Maximum | Paid at 80% per person $1,250 1st year $1,500 2nd year $2,000 3rd+ years |
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| BASIC PREVENTIVE & RESTORATIVE SERVICES | ||
| Recall exams, preventive cleaning, fluoride for children | Paid at 80% Available every 9 months |
|
| Bitewing x-rays | Paid at 80% Available every 9 months |
|
| Complete oral exams, full x-rays | Paid at 80% Available every 3 years |
|
| ENDODONTIC & PERIODONTAL TREATMENT AND DENTURE SERVICES | ||
| Periodontal scaling, occlusal equilibration: 8 units every 12 months Denture cleaning: once every 12 months Denture relining or rebasing: once every 3 years |
Paid at 80% $1,250 1st year $1,500 2nd year $2,000* 3+ years |
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| MAJOR DENTAL SERVICES | ||
| Starting in year 3 - Crowns, bridges, dentures, 1 every 5 years | Paid at 50% $2,000* 3rd+ years |
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| GENERAL INFORMATION |
Please note that all Edge Benefits plans renew annually based on the pooled experience of all policyholders, as well as many other market factors impacting premiums. These adjustments are generally effective on the 1st of October. In addition, some of our plan premiums increase automatically at certain ages.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
To view a copy of the detailed Policy Booklet wording, click here.
Congratulations you have taken important steps to Safeguard your Lifestyle.
All Completed Quotations will be automatically saved in your profile and can be accessed at any time by clicking “My Quotes / Electronic Applications” in the blue bar.
**All Submitted Applications will be automatically saved in your profile and can be accessed at any time by clicking “My Quotes/Electronic Applications” in the blue bar.
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)
Congratulations on your decision to continue the process of Safeguarding your Lifestyle!
Please note the progress bar will keep you informed of your progress.
This electronic application can be submitted…
If the client is present, the application will automatically be sent to EDGE upon completion.
If the client is absent, we recommend you:
As mentioned above, at the end of the electronic submission process the applicant must electronically sign and accept the application via email with the following process:
If you need assistance with any part of this process, please contact us:
customerservice@edgebenefits.com
1-877-902-EDGE (3343)