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Right
at Home Realty Benefit Plan
You and your family have access
to outstanding health protection. This health insurance program
is specially designed for our Right at Home self-employed
professionals, who are not covered by any other group plan.
It includes benefits such as Prescription Drugs, Semi-Private
room and board, Vision care, Extended Health Care from registered
specialists and therapists, Dental Care and much more.
The Right at Home
Benefit Plan underwritten
by Manulife
Financial and a variety of other insurance
companies is the ideal way to ensure your health and financial
peace-of-mind.
For a limited time, upgrade your coverage to the “Bronze Plan” for an additional $19.46 per month (per person). Your “Bronze Plan” covers such features as prescription drugs: $2,350.00 per insured per year, dental care, eyewear and $5,000,000.00 Travel Protect coverage. These are just a few of more of the important features of your “Bronze Health and Dental Plan” - click below for more:
Bronze Plan Detail and Rates
If you have any questions please call our benefits coordinator
directly at:
Telephone: 416-484-9921 Toll
Free: 1-877-624-4559
or email: rightathome@mcgillhealth.com
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Right at Home Realty Private Heath Services Plan RAH-PHSP
TURN BASIC – AND NOT SO BASIC – FAMILY HEALTH CARE EXPENSES INTO SAVINGS |
Your RAH Private Health Services Plan can save you literally thousands in income tax
Independent contractors, realtors and their accountants are alert to
using every available business expense to reduce the tax burden on self-employed
contractors´ income. Home office, automobile and cell phone are obvious examples.
However, surprisingly few are aware of recent innovations in Private Health
Services Plans, and the tax savings potential of these flexible “self-directed” plans.
In a nutshell, all of those family health care expenses – from glasses to physiotherapy
to orthodontics – can be processed through your RAH PHSP into a 100% deductible
business expense. So if family health costs and insurance premiums run to $4,500.00
per year, a successful Right at Home realtor can easily reduce their tax bill
by over $2,000.00 by year-end.
What is your RAH - PHSP? Click
Here for an Application
Your RAH - PHSP is just about any insurance plan that covers medical, hospital
and dental expenses. All health insurance policies such as your RAH
Manulife FlexCare, Manulife Followme or a Manulife
Travel policy qualify.
In addition, there are several innovative ideas for tailoring your optional
plans that deliver flexibility and value to you, while maximizing tax savings.
This gives the RAH Realtor the ability to control how much is contributed,
what expenses qualify for the savings, and makes sure that every dollar
drives taxes lower. There are no caps on particular expenses; no limited percentages
on what the plan will pay. The result is a much better tax break since all
applicable expenses are included, and the tax reduction is at the taxpayer’s
highest marginal rate.
McGill Financial, a Toronto-based firm, has a strong focus on independent
self-employed contractors - especially in the real estate industry - which
it has served for over 20 years.
McGill Financial
1 Heath Street West, Suite 301
Toronto, ON
M4V 1T2
Office: 416 484 9921
Fax: 416 981 8837
Emily Davies: emily@mcgillhealth.com
Diana Dyer: ddyer@mcgillhealth.com
Contacts: www.mcgillhealth.com/contact2.asp
Email: rightathome@mcgillhealth.com
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Right
at Home Realty Benefit Plan Details: |
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Right
at Home Realty Inc. is pleased
to offer the most comprehensive benefits
program available for Realtors and their
families in Canada today; flexible, comprehensive
coverage to meet your personal needs.
Your RAH Benefit Plan offers
you a unique kind of insurance, "Living
Benefits Insurance", which pays the
benefit to you while you’re alive.
Following is a list of Right at Home
Realty Benefits to choose from: |
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1. Health
And Dental:  |
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If you are not
covered by a group health plan or not satisfied
with the health coverage you have today,
your "Right at Home Health and Dental
Plan" may be the answer for you. Your RAH
Plans are designed to fill the gaps left
in your government health insurance plan.
Whether your focus is prescription drugs,
dental care, or a combination of both, your
RAH Plans offer a selection of health plans
and level of coverage from which you can
choose: Drugs, Dental, and even Travel. |
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2. Realtor Critical
Illness:  |
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With the simple, accessible
and affordable protection offered by Manulife
Financial under your "Right at Home
Critical Illness Plan" you’ll
have the security of knowing that 30 days
following a diagnosis of cancer, heart attack
or stroke, coronary bypass or aortic surgery,
you’ll qualify to receive a one-time,
lump sum benefit of $25,000.00 – paid
directly to you, to spend however you wish.
Protection made easy – no medical
questionnaire is required. You are eligible
for this coverage if you are between the
ages of 18 and 60 years and a Canadian resident.
Once covered, you can keep your policy up
to age 75, regardless of any changes in your
health or occupation. See attached PDF Brochure
for plan details. |
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3. Realtor Disability
Insurance:  |
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Protection designed with
your needs in mind. Being a self-employed
Realtor offers you many rewards, but has
its fair share of challenges, like buying
a reasonably-priced disability compensation
plan. Your "Right at Home Realty Inc. Personal
Accident Disability Insurance Plan" from
Manulife protects your most valuable asset
... your ability to work and earn a living.
For only a few cents each day, you can protect
yourself 24-hours a day anywhere in the world.
Coverage is guaranteed renewable to age 90
with reductions at age 65 and 70. Total disability
benefits are available up to $4,000.00 per
month. Please refer to the PDF under the
download area for more plan details and application. |
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4. Realtor Out-of-Country
Coverage: |
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Whether you’re
traveling outside your province or out of
the country for a few days or a few months,
your “RAH Travel Plan” offered
by Manulife Financial supplies the personalized
coverage you need to be financially protected
against the cost of unexpected emergencies
that may occur prior to or during your trip.
Click here for your personalized quotation. |
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Affordable Premiums: |
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“Right at Home Realty Benefit
Plan” is both comprehensive and affordable. Premiums
are based upon your age, gender and smoking status, so
the younger you are when you apply for any coverage the
lower your premiums will be. Since your premiums are
guaranteed by Manulife Financial, this coverage is easy
to plan for. For a basic health plan, premiums start
from less then $57.90/monthly single, $99.60/monthly
Couple and $124.30/monthly Family. |
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Apply
in Two Easy Steps: |
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Please take the time to review the details
of the coverage available for you under your "RAH
Realty Benefit Plan", and decide which options are
right for you. If you require assistance or further information,
please contact Diana
Dyer or Emily
Davies, your “Right
at Home Customer Support Staff" or visit our website
under contacts:
To participate, simply complete the main application form
(PDF attached) and fax it to your account representative
noted above. Our fax number is 416 981 8837. Your account
representative will review with you the benefits decided
upon, along with the appropriate monthly premiums. All
benefit premiums can be paid
by cheque, pre-authorized collection, or credit card (Visa,
MasterCard or American Express). |
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