Key Features of MyDignity Home Care Assistance

Comprehensive Coverage

Most group plans fall far short of the amounts of coverage needed for a long term care condition. Whether you have an acute injury or suffer from an illness that slowly impairs your ability to take care of daily functions, you need coverage that will assist in recovery or extended care. The trigger for MyDignity coverage is the inability to perform 2 out of the 6 activities of daily living, either on a permanent or temporary basis. Imagine having shoulder surgery or hip surgery and being unable to transfer from your bed or being unable to feed yourself. The limitations may be temporary as you recover, but assistance can be vital for positive health outcomes. Now imagine your spouse starting to lose their ability to make decisions independently and lapsing into periods of confusion. When dementia starts to happen, you will need vital support to maintain your spouses health and care in the home. Coverage can include: Personal Support Workers, Home Conversion, Enhanced Specialist Coverage, Medical Supplies and Transportation, Prepared Meals etc.

Flexible Benefit Amounts

Available in amounts of $50,000, $75,000, $100,000 and $125,000, MyDignity coverage allows you to purchase the level of coverage that suits your budget. You may have a Health plan at work or a Retiree Health plan, and just need a top up to provide a comprehensive plan. You may also not have any Health plan and want to ensure you have coverage for a health crisis. Choose the maximum reimbursement level that fits your budget and protect your retirement savings.

Immediate Eligibility

MyDignity coverage eligibility requires you to be able to answer a 1 page Health Declaration on your current state of health. No nurse visits or extensive underwriting required. Answer “no” to the declaration, and coverage is yours!

Control Over Your Care

Are you frustrated with the level of care available through our OHIP system? If you were unable to look after yourself, do you have a contingency plan with funds available to control your care? Are you comfortable with relying on the government to provide the respectful and compassionate care you deserve? If the answer is “no”, take control by contacting us about MyDignity and you will have the flexibility to direct your care.

Features of MyDignity coverage

• Personal Support Workers and Nurses: Funds for help when you need it!
• Respite Services: Your caregiver will be able to expense a reprieve!
• Home Conversion Expenses: Need some modifications like chair lifts, ramps, bathroom rails, you can order the upgrades needed to be safe in your home!
• Prepared Meals: Expense meals so that your caregiver gets a break from meal prep!
• Transportation Expenses: Need to be transported to your doctor appointments in a vehicle accomodates your needs? you can order it!
• Medical Alert Systems: So that you and your loved ones know you are safe!
• Enhanced Specialist Care: High maximum for Specialists to help you like an Occupational Therapist, Respiratory Therapist, Dietician, Physiotherapist, Audiologist, Podiatrist, Naturopath and Speech Therapist
• Tax Benefits: MyDignity Home Care Assistance Plan qualifies under CRA as a Private Health Services Plan (PHSP ) which means the premium can be applied as an expense toward your medical tax credit or if paid by your company, a business expense. Benefits that are paid as reimbursement for medical services are non-taxable. This is a huge advantage for individuals and business owners.

Eligibility for MyDignity Insurance – 2 Ways to Qualify for Benefits

Physical Dependence: Needing Help to Perform at Least 2 of the 6 Activities of Daily Living:

• Transferring: Moving into or out of a bed, chair or wheelchair, with or without the aid of assistive devices
• Bathing: Washing with or without the aid of assistive devices in a bathtub or shower
• Dressing: Getting into or out of clothing, even when alterations have been made for ease, without help
• Toileting: Getting to/from/on and off the toilet and performing personal hygiene.
• Continence: Controlling either bladder or bowel functions, or maintaining a reasonable level of personal hygiene
• Feeding: Consuming food or drink that has been prepared and served

Cognitive Impairment: Inability to Reason, Perceive, Think, Reflect or Remember and Needing Continuous Supervision by Another Person for Your Health and Safety

How The Benefits Edge Insurance Can Help Provide You and Your Family with Complete Peace of Mind

We all prefer to be cared for in our own home rather than a medical facility. The coming demographic means long term care beds will become harder to find and will affect all levels of Health care, both acute and long term. Families can be empowered to become care managers rather than caregivers and have expert care to assist when you need it.

Why Choose The Benefits Edge Insurance for MyDignity Insurance Coverage?

The Benefits Edge Insurance is a valued MyDignity partner committed to educating and offering assistance in determining the best long term care option for you and your family. We are health plan experts and can help you choose the right plan for you and your family.

If you are a business owner, talk to us about your company benefits plan and we can discuss how My Dignity coverage can be a bonus for you and your team. A non-taxable benefit and an eligible business expense!