Archives: Dentistes

No one is immune to serious illnesses, and as a general practitioner you know this better than anyone. But did you know that special coverage exists to prepare you for this? Our critical illness insurance provides for the payment of a lump sum benefit which, in the event of a serious medical setback, will enable you to meet your needs and those of your loved ones, including all the financial needs related to your recovery. Live worry-free during your recovery!

The best part? By including a premium refund clause, this coverage becomes a financial asset.

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Do you want to be fully protected? Here are the options available to you:

Basic coverage

A lump sum is paid after a diagnosis of one of the illnesses covered by the insurance plan. The insured must survive a certain number of days according to the diagnosis to be eligible.

Illnesses covered

The illnesses provided for in the insurance contracts can vary between 3 and 30 illnesses, depending on the insurer. That said, three of them — strokes, heart attacks and cancer — account for more than 80% of claims.

Premium refund

Several options are available in the insurance contracts we offer. These can be a refund in the event of death or contract cancellation. Please note that a refund of premium is generally possible if the policyholder has not made any claims.

By taking out life insurance, you do more than guarantee your peace of mind. You ensure their financial support, their safety and their well-being.

What is life insurance for?

Life insurance can help your loved ones deal with a host of immediate and future issues that change from family to family. It could be used to:

• Pay off your debts, such as credit cards, your mortgage, etc.
• Pay your funeral expenses
• Ensure ongoing income for your surviving spouse to manage day-to-day expenses like groceries, car expenses, etc.
• Help pay for your children’s education, and more.

Sogemec Assurances offers several types of life insurance, whether individual insurance or through your group insurance. We also offer accident insurance which covers other life challenges, such as the loss of use of a limb, and its impact on your on your professional future.

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Insuring your good health

Since 1997, the Régime général d’assurance médicaments considers dentists under the age of 65, who are members in good standing of the ACDQ, as ineligible for the public prescription drug insurance plan. You must subscribe to the prescription drug insurance plan negotiated by the ACDQ for you, your spouse and your dependents if you are not already covered by:

• Your employer
• Your spouse’s employer’s plan
• The plan of another association of which you are a member

The ACDQ has established a plan offering a choice between three options. The Essential option is available without a medical questionnaire and provides the minimum coverage required to comply with your obligation to hold prescription drug insurance as mandated by the Act Respecting Prescription Drug Insurance.

The Balanced and Enhanced options offer coverage superior to the public prescription drug insurance plan, in addition to including travel medical insurance with emergency assistance services abroad, trip cancellation coverage, and a telemedicine service.

Click here to view the summary of premiums and coverage
Premiums and Coverage

Click here to view the detailed brochure of the prescription drug, health, and dental insurance plan
Detailed Plan Brochure

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1 800 361-3794

Disability Insurance Designed for Dentists in Quebec

Your practice relies on your precision, your expertise, and your ability to perform. However, an injury, illness, or accident can interrupt your work sooner than you might expect. Disability insurance is one of the essential pillars of your financial protection.

Protect Your Income and Lifestyle

Our disability insurance solution for dentists is specifically designed to meet the realities of the dental profession in Quebec: high physical demands, variable professional income, and significant financial responsibilities.

Because your career deserves protection that matches its value

Dentists face specific risks: musculoskeletal disorders, fine motor injuries affecting dexterity, chronic fatigue, and more. A well-structured disability insurance plan can make the difference between a manageable pause and a difficult financial situation.

Personalized Support

Sogemec Insurance advisors specialize in supporting healthcare professionals like you and will guide you in making the right choice. They have access to all available options on the market, whether it’s your exclusive association group plan or various individual insurance products. Moreover, they are not tied to any financial institution. They work for you, with objectivity and integrity.

Book an appointment today for a personalized analysis and secure the continuity of your income, no matter what happens.

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Cyber threats are a risk you can’t afford to take.

Clinics are prime targets for cybercriminals. Phishing e-mails, viruses, malware — the risks are endless. One weak spot can put your clients’ confidentiality and your reputation at risk. To maximize your protection, add CyberSuite Plus to your business property and liability insurance.

What is cyberrisk insurance?

Cyberrisk insurance is protection designed to help businesses deal with the consequences of a cyber security incident such as a computer attack, cyber extortion, personal data breach or computer fraud.

Dentists handle highly sensitive information, yet many underestimate their vulnerability to cyber threats, mistakenly believing that only large companies are targeted. But there are cybersecurity solutions specially designed for professionals. These solutions offer real support and guidance in the event of an incident, particularly for major threats such as social engineering. 

You wish to find out more? Ask us for advice.

1 800 361-3794

Business expense or office overhead insurance is an important coverage that will help you pay your fixed costs according to the insured amount and the indemnity period you have chosen. From your employees’ salaries to your rent, electricity bills and more, avoid the negative impacts of an illness or injury that could prevent you from working for a few months. That way, you can take care of your recovery worry-free!

Did you know that business expense or office overhead insurance premiums are tax-deductible business expenses?

Choose this type of coverage to protect your future and your employees in every way:

• Employee salaries
• Rent
• Public services and utilities
• Professional membership fees
• Equipment depreciation
• And more!

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Are you a clinic owner? Have you thought about protecting yourself in case of civil liability, fire or theft? Click here to learn more.

The hour of retirement will soon ring? It is recommended to prepare well for this brand-new stage of life. As a general rule, the following coverages must be considered and adjusted:

Disability:
Disability insurance is salary insurance. If you work less or stop working, it is normal to adjust your coverage. Have you achieved financial independence and are still working? Maybe you just don’t need that coverage anymore.

Overhead:
During retirement, it is important to quickly notify your advisor to stop this coverage.

Travel insurance:
If you are thinking of taking advantage of retirement to travel, good travel insurance will be necessary. Contact us to plan the transition and choose the product that will best meet your needs.

Life insurance:
With retirement, do your coverages still meet your needs? Is your beneficiary designation up to date? Retirement is a good time to review your life insurance coverage in general.

The purchase of an annuity
Do you want a portion of your retirement income to be guaranteed? The purchase of an annuity allows you to receive a fixed amount for a determined period of time or throughout your retirement. The amount of the annuity will be determined by the amount you can invest, the length of the payments and the interest rates offered at the time of purchase.

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Sogemec Assurances advisors work in collaboration with the FMOQ Funds team. A subsidiary of the Fédération des médecins omnipraticiens du Québec (FMOQ), the FMOQ Funds companies’ mission is to contribute to the prosperity of general practitioners by offering them high-quality products and services at the best possible cost, for their personal and professional needs.

• Investment solutions
• Private management (discretionary)
• Financial planning
• Analysis for incorporation
• Clinic management support
• Medical billing

To find out more, feel free to ask your Sogemec consultant to put you in touch or get in touch directly by visiting their website.

Your accountant has probably already warned you: growing wealth means higher tax rates and excess capital. Business owners are usually looking for solutions to manage the assets they have accumulated there. The wealthier people are, the more they become accustomed to a higher standard of living and the more they have to lose. Life insurance is a guarantee that serves to protect the investor’s lifestyle, no matter what the future holds.

By professionals for professionals

Without a financial security advisor to talk about insurance on your financial planning team, you are missing out on proven investment and tax strategies! At Sogemec Assurances, take advantage of the services of professionals with all the essential expertise to help affluent investors protect their assets, as well as preserve and maximize the value of their heritage. That way, you will be able to make your own informed decisions.

 A tool to grow your capital

Term life insurance is a recognized tool for covering your short-term needs such as a mortgage, but what about your very long-term life insurance needs (known as estate)?

The amount of insurance you need to protect your wealth may be more than you think. That’s why it’s important to include a financial security advisor on your financial planning team, at the risk of missing out on highly profitable investment and tax strategies. It is just as essential to carry out an analysis of your needs and objectives to put in place the appropriate insurance solutions.

You wish to find out more? Ask us for advice.

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