The MyDignity Plan
The MyDignity plan includes two levels of benefits. The first level (Level 1), which we refer to as the long term care level, covers necessary services, supplies and equipment when one is either physically or mentally dependent while living at home. (See How to Qualify for Benefits below)
The second level of benefits (Level 2) covers eligible medical expenses incurred due to an illness or injury. One does not have to meet the long-term care requirements in order to qualify and receive these benefits. In short, Level 2 serves as a mini health plan if one has never or is no longer covered through an individual or group health insurance plan.
With the MyDignity plan one can choose between three benefit amounts with an overall maximum benefit level of $50,000, $100,000, or $150,000 tax-free over a person’s lifetime.
Premiums under the plan qualify as a PHSP (Private Health Services Plan).
A policyholder (non self-employed or unemployed individuals) who contributes to the cost of the plan can claim those premiums as a medical expense eligible for the medical tax credit.
Self-employed individuals (i.e. sole proprietors or members of a partnership) and spouses, can deduct the premiums directly from income (certain restrictions apply).
Corporations can deduct the full premiums against business income for owners, managers, employees and their spouses.
Either way, any benefit received is received on a non-taxable basis.
How to Qualify for Benefits (Level 1)?
There are 2 ways one qualifies for benefits:
- A benefit or service becomes payable when the insured needs the help of another to accomplish at least two of the following activities of daily living (loss of independence): Transferring, Bathing, Dressing, Toileting, Continence and Eating
- A benefit or service is also payable if the insured becomes cognitively impaired and needs the help of another due when one loses the ability to either reason, perceive, think, reflect, or remember.
| Level 1: Reimbursement for Services, Supplies, Equipment for Home Care while you are physically or cognitively dependent. | |||
|---|---|---|---|
| Home Care | $50,000 | $100,000 | $150,000 |
| Registered nurse (or certified nursing assistant including personal support worker) | $70 per day, 200 days per calendar year |
$145 per day, 200 days per calendar year |
$145 per day, 200 days per calendar year |
| Home conversion expenses | $10,000 lifetime maximum | $20,000 lifetime maximum | $25,000 lifetime maximum |
| Moving allowance | $1,000 lifetime maximum | $2,000 lifetime maximum | $2,000 lifetime maximum |
| Meals | $400 per month | $900 per month | $1,100 per month |
| Transportation expenses | $500 per calendar year | $1,250 per calendar year | $1,250 per calendar year |
| Health monitoring system | $600 per calendar year | $1,600 per calendar year | $1,600 per calendar year |
| Respite services | $2,600 per calendar year | $5,600 per calendar year | $5,600 per calendar year |
| Psychological services for informal caregiver | $1,250 per calendar year | $2,500 per calendar year | $2,750 per calendar year |
| Medical supplies | 90% – up to $1,500 per calendar year | 90% – up to $3,000 per calendar year | $1,500 per calendar year, plus an additional $1,500 at 90% – per calendar year |
| Purchase or rental of equipment (crutches, walkers, canes, casts, trusses, spinal braces, orthopedic corsets, oxygen and charges for temporary lease of a respirator) |
100% up to plan maximum | 100% up to plan maximum | 100% up to plan maximum |
| Supplies for colostomy, an ileostomy, or a urostomy | 90% – up to plan maximum | 90% – up to plan maximum | 100% coverage up to $100,000 and then 90% – up to plan maximum |
| Accessories for diabetics | 90% – up to plan maximum | 90% – up to plan maximum | 100% coverage up to $100,000 and then 90% – up to plan maximum |
| Orthopedic shoes | 90% – up to plan maximum | 90% – up to plan maximum | 100% coverage up to $100,000 and then 90% – up to plan maximum |
| Rental, purchase or repair of; | 90% – up to $5,000 lifetime (flexibility to choose) | 100% up to $7,500 lifetime (flexibility to choose) | |
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$1,250 Per calendar year for each specialist |
$1,250 per calendar year for each specialist plus an additional $1,250 at 90% – per calendar year for each specialist | $2,750 per calendar year for each specialist |
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Not Covered | 90% – up to $1,250 per calendar year for each specialist |
$1,500 per calendar year for each specialist |
| Stockings for varicose veins and phlebitis | Not Covered | 90% – up to 2 pairs per calendar year | 2 pairs per calendar year |
| External breast prostheses following a mastectomy | Not Covered | 90% – up to $300 per 24 months | $300 per 24 months |
| Tens | Not Covered | 90% – up to $500 per 36 months | $500 per 36 months |
| Hearing Aids | Not Covered | 90% – up to $500 per 36 months | $500 per 36 months |
| Wigs (required for pathological conditions or following chemotherapy treatments) | Not Covered | 90% – up to $300 lifetime maximum | $300 lifetime maximum |
| Maxi-mist machine, including the masks, or a CPAP machine | Not Covered | 90% up to $500 lifetime maximum | $500 lifetime maximum |
| Incontinence supplies (bowel and/or bladder) | Not Covered | 90% – up to $1,500 per calendar year | $1,500 per calendar year |
| Level 2: Value Added Mini Health Plan Eligible expenses incurred due to an illness or injury. One can access the benefits below without having to qualify under the regular long term Care requirements. (i.e. physically or cognitively dependent) |
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|---|---|---|---|
| Health Plan Benefits | $50,000 | $100,000 | $150,00 |
| Hospitalization | $150 per day towards Private or semi-private room Lifetime maximum: 180 days |
Semi-private room, $300 per day Lifetime maximum: 180 days If no semi-private room available, $50 per day of hospitalization, from the second day of hospitalization |
Semi-private room, $350 per day Lifetime maximum: 180 days If no semi-private room available, $50 per day of hospitalization, from the second day of hospitalization |
| Convalescent Hospital | Not Covered | Semi-private room, $50 per day Lifetime maximum: 120 days |
Semi-private room, $60 per day Lifetime maximum: 120 days |
| Ambulance | Not available in Level 2 but Available in Level 1 at 100% up to plan maximum | 100% up to plan maximum | 100% up to plan maximum |
| Air Ambulance | Not Covered | $5,000 per calendar year | $5,000 per calendar year |
| Diagnostic Laboratory Tests | 90% – up to plan maximum | 100% coverage up to $50,000 and then 90% – up to plan maximum | 100% coverage up to $100,000 and then 90% – up to plan maximum |
| Magnetic Resonance Imaging | 90% – up to $675 per calendar year | $750 per calendar year + An additional 90% – up to $675 per calendar year |
750 per calendar year + An additional 90% – up to $675 per calendar year |
| Dental Care as the result of an accident | Not Covered | $5,000 per accident | $5,000 per accident |
| Second Medical Opinion | Through the McGill University Health Centre only | Included | Included |
Bonus Assistance Program
Assistance and Discount Program – Included Free
The program provides services and benefits included automatically for the simplified issue policyholder. These privileges apply to family members (spouses and dependent children) except where noted. The program promotes quick access to a variety of consulting services, assistance in your home and exclusive offers and discounts to help one take control of their health.
Consulting Services
Health Information
The program provides access to expertise and informed advice for you or your family
member to guide and reassure you with:
- A registered nurse, available by telephone with health advice.
- References for accessing a variety of family health resources.
- Help making an appointment with a specialist or for a medical exam.
- Support in planning home care.
Legal Information
Unlimited free telephone consultations with a lawyer regarding:
- Labour law
- Civil, family and marital law
- Corporate and commercial law
- Mediation and litigation
- Tenants rights
If need be, a half-hour in-office consultation with a lawyer for free.
Support and Services
To help you get back on your feet after hospitalization of two days or more.
- A housekeeper to take care of light housework for a 30-day period (maximum 15 hours).
- Medication home delivery service (up to 30 days after your return home).
- Health monitoring system (bracelet with an emergency device) for a 3-month period after your return home.
- Transportation of a parent or a friend to visit you (up to $250 per hospitalization).
Medical Services
Medical Second Opinion (*Not available to family members)
Expert medical assessment in the event a second medical opinion is needed.
Your medical records will be submitted to the best experts through the McGill University Health Centre (MUHC), one of the world’s most renowned faculties of medicine. They will confirm or clarify the doctor’s diagnosis and treatment plan for you.
The medical second opinion report will be promptly forwarded to your doctor, and if he or she so wishes, the MUHC specialists will be available to discuss the best treatment options according to your condition.
Medical Care Assistance Abroad
Guides you through unfamiliar health care systems throughout the world.
Additional assistance when your doctor recommends special treatment not available in your province, and you prefer to seek medical treatment outside of the province at your own expense. This service can help you get the best service at the best cost.
Provides a review of your medical record, evaluation and recommendation of health care facilities (hospital, clinic, etc.) or health care professionals known for their expertise in delivering the required treatment in cooperation with your attending physician.
Coordinates transfers of relevant medical files.
Organizes transportation, lodging, and if required, care following hospital discharge.
Referral and Case Management
Help for informal caregivers.
Having devoted yourself to an ailing parent who needs your comforting presence, the program can direct you to specialized resources.
- Support in finding government programs.
- Elder care services, for when you need a break.
- Workshops for informal caregivers.
Referral Services
If your condition requires special services or equipment the program will also find them for you.
- Any type of professional health resources: rehabilitation centre, specialized therapies, medical accessories,
home alteration services, etc. - Housekeeping to handle daily chores.
- Convalescent centres: to find a centre offering the services you need.
Management Services
If you need several resources the program will coordinate the following:
- Support and coordination in obtaining health services.
- Contact and negotiation of agreements with service suppliers.
- Medications delivered to your door.
Information and Prevention
The program helps ensure you’re well-informed about health issues and medical conditions by offering access to various educational tools, including:
- Useful resources in your area to help you take your health in hand.
- The Health Bulletin, a seasonal newsletter for our members only.
Member Discounts
This additional program offers savings to policyholders and family members in areas as follows:
- Medical care
- Dental
- Fitness/Wellness
- Hearing
- Medical Equipment and Supplies
- Nursing Services
- Other Health Services
- Pharmacy
- Vision care
- Other Services
Sample Premiums
Monthly fees for a lifetime benefit amount of $50,000, $100,000, or $150,000
| $50,000 | $100,000 | $150,000 | ||||
|---|---|---|---|---|---|---|
| Age | Male | Female | Male | Female | Male | Female |
| 55 | $53.55 | $59.40 | $112.92 | $125.33 | $125.61 | $144.95 |
| 60 | $54.00 | $60.66 | $114.88 | $129.16 | $134.85 | $149.83 |
| 65 | $54.45 | $63.18 | $122.52 | $142.46 | $141.12 | $165.98 |
| 70 | $74.88 | $85.95 | $165.53 | $194.47 | $183.88 | $222.00 |
| 75 | $100.98 | $120.51 | $213.95 | $261.85 | $234.48 | $298.41 |
| 80 | $146.70 | $191.88 | $311.04 | $417.22 | $332.77 | $473.31 |
Couples that apply together can receive a discount of 10% off their premiums.