Charter House Financial Group

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Changes to OHIP, if you are traveling please purchase travel coverage, it’s easy, affordable & so necessary.....please message me should you have any questions. Starting January 1, 2020 Ontario is launching a new program to fund out-of-country dialysis services, ensuring that Ontarians living with kidney failure can continue to receive support for the dialysis care they need when they are travelling outside of Canada. The launch of the new program to fund out-of-country dialy...sis services will coincide with the wind down of the limited Out-of-Country Travellers Program on December 31, 2019. The last day that an emergency out-of-country health and/or doctor service claim can be submitted to OHIP for reimbursement will be December 31, 2020. The Ontario Health Insurance Plan (OHIP) only covers emergency health services at very limited rates. For example, an outpatient visit to a U.S. emergency room may cost thousands of dollars for the duration of your care, however OHIP will only reimburse up to a total of $50.00 CDN per day for this service regardless of the severity of the situation. Ontarians travelling abroad are always encouraged to purchase the appropriate travel insurance coverage in the event emergency health and doctor services are needed out of country. Many Ontarians already have travel health insurance through their workplace plans or credit cards.

The Client Jane is sixty and looking forward to retirement. It’s important for her to be able to lead an active lifestyle once she is retired and spend more quality time with her three grandchildren. Julie's top priority as a single woman is to ensure that she takes care of her basic expenses. Payout annuities can help her achieve this goal and set her mind at ease. The Situation ... Julie knows that she needs her retirement fund to last at least 25 years and is concerned about outliving her savings. She would like to ensure that her monthly fixed expenses are covered, travel periodically and leave a small legacy behind for her grandchildren. Julie is not interested in complicated finances and has a low tolerance for risk. The Solution??? Call me