EDGE Disability Insurance

             

The everyday duties of running a farm don’t stop just because you’re injured. In partnership with The Co-operators and exclusively for APAS members, The Edge Benefits Inc. has designed an affordable disability protection plan that covers your most valuable asset – you!

For as little as a few dollars a day, you can have 24/7 protection that replaces a portion of your income in the event of an injury, as well as additional lump sum tax-free fracture and accidental death & dismemberment benefits. Whether your injury happens on the job or in your personal time, the EDGE has your back. Coverage is guaranteed, straightforward and easy to apply for, and is completely customizable to suit each farmer’s unique needs.

Basic Package - Disability Insurance for Injuries

  • $2,000/month income replacement upon injury
    • Coverage: 24-hour
    • Waiting period: 120 days
    • Benefit period: to age 70
  • $50,000 Accidental Death & Dismemberment
  • Primary Fracture Accident Benefit

Monthly premium: $64.80*

*Assumes Class A occupation rating; based on 2020 rates.

Customize this package:

  • Loss of Income - Injury protection:
    • Increase your benefit to as much as $5,000/month
    • Decrease your waiting period to 0-day or 30-day
  • Accidental Death & Dismemberment: increase your benefit to as much as $300,000
  • Fracture Accident Benefit: double the benefit payout per incident

Optional add-on: Business Overhead Expense - Injury protection of up to $5,000/month

In addition to income replacement, this extra protection provides monthly reimbursement for fixed operating expenses - including the ability to hire a replacement farmer - to ensure the farm continues to thrive during your absence.

Request Info

To receive more information about this exclusive offer, please contact one of the following advisors:

District One:

Lori Jasper
Email: lori_jasper@cooperators.ca
Address: 81 Broadway St E Yorkton, SK S3N 0L1
Phone Number: 306-782-2486

District Two:

Robynn Schous
Email: robynn_schous@cooperators.ca
Address: Unit 1 – 505 North Service Rd W Swift Current, SK S9H 4X5
Phone Number: 306-778-3251

District Three:

Robynn Schous
Email: robynn_schous@cooperators.ca
Address: Unit 1 – 505 North Service Rd W Switf Current, SK S9H 4X5
Phone Number: 306-778-3251

Matt Bergen
Email: matt_bergen@cooperators.ca
Address: Unit 105 – 440 2nd Ave N Saskatoon, SK S7K 2C3
Phone Number: 306-934-7338

District Four:

Ken Kluz
Email: ken_kluz@cooperators.ca
Address: PO Box 455 – 23 2nd Ave NE Preeceville, SK S0A 3B0
Phone Number: 306-547-3464

Lori Jasper
Email: lori_jasper@cooperators.ca
Address: 81 Broadway St E Yorkton, SK S3N 0L1
Phone Number: 306-782-2486

Trent Fedorychka
Email: trent_fedorychka@cooperators.ca
Address: PO Box 1570 – 218 Railway Ave E Nipawin SK S0E 1E0
Phone Number: 306-862-0400

District Five:

Trent Fedorychka
Email: trent_fedorychka@cooperators.ca
Address: PO Box 1570 – 218 Railway Ave E Nipawin SK S0E 1E0
Phone Number: 306-862-0400

Ken Kluz
Email: ken_kluz@cooperators.ca
Address: PO Box 455 – 23 2nd Ave NE Preeceville, SK S0A 3B0
Phone Number: 306-547-3464

Matt Bergen
Email: matt_bergen@cooperators.ca
Address: Unit 105 – 440 2nd Ave N Saskatoon, SK S7K 2C3
Phone Number: 306-934-7338

District Six:

Matt Bergen
Email: matt_bergen@cooperators.ca
Address: Unit 105 – 440 2nd Ave N Saskatoon, SK S7K 2C3
Phone Number: 306-934-7338

Jason Arden
Email: jason_arden@cooperators.ca
Address: Unit 3 – 2803 50 Ave Lloydminster, SK S9V 2A8
Phone Number: 306-825-2544

Note: This overview is intended to provide a brief summary of the products included in the APAS Income and Overhead Protection Package for Injuries. Published rates and offer terms are subject to change without notice. In the event of any inconsistencies between this overview and the policy wordings, the actual policy wordings prevail.

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