It's easy to choose your benefits and apply for coverage! As with any type of insurance coverage, your premium rates are determined by a number of factors, including Age, Province, number of dependents and the custom mix of benefit options you have selected.
The Online Enrolment Form and the downloadable Application Form provide rate information for each Province, and
allow you to quickly calculate your premium costs as you fill out the necessary personal information and choose your coverage options.
 To Apply For Coverage you have two options:
- Apply online using our Online Enrolment Form
Or
 Simply complete the Application Form/Personal Health
Declaration available as a PDF download, and mail it with a VOID cheque to the address indicated, or fax it for faster medical underwriting.
Note that the Application Form and the Personal Health Declaration must be completed in detail, ensuring that you provide complete information on the
second page of the Health Declaration wherever you have answered "Yes" to one of the questions on page one. No medical examination is required, you will be approved (or offered coverage subject to a surcharge for pre-existing conditions) based on the information provided on the Health Declaration. Alternatively, you may be
offered coverage with an exclusion for pre-existing conditions. Please also ensure that you indicate your family physician's name in the event he/she has to be contacted for clarification. This information is strictly confidential, shared only among the Insurer and Program Administrator. If you have pre-existing conditions: In some cases the Insurer may agree to
offer full coverage even with pre-existing conditions, but with a monthly surcharge based on the anticipated future drug or healthcare costs related to the condition. A separate Health Statement is required for Critical Illness Insurance. Upon approval you will be notified, and coverage will commence on the 1st of
the month coincident with, or next following, date of approval. 
For assistance or additional information, please contact us:  Alternative Benefit Solutions Inc.
5045 Orbitor Drive, Unit 10
Suite 300
Mississauga, Ontario L4W 4Y4
Phone: (905) 629-1252
Toll-free: 1-866-636-8359
Fax: (905) 602-7983
e-mail: info@alternativebenefits.ca | 
