The Latest from the AOMBT

All the latest from the AOMBT, including events, presentations and program updates. Please note that plan members may need to log in to access some of these resources.

September is open enrollment month for optional Critical Illness coverage

September 9, 2019 | Filed under Public.

From September 1 - 30, our Critical Illness insurer, CHUBB, will accept applications for Guaranteed Issue Optional Critical Illness coverage of up to $25,000. Applications will be accepted without the requirement of medical evidence.

Optional Critical Illness coverage can be purchased to supplement your basic coverage, or to provide coverage for your eligible dependents. Click to download the premium calculator.

We encourage you to consider your family’s needs and personal situation when contemplating optional Critical Illness coverage. A major illness could have a debilitating effect on a person’s life and could potentially translate into huge medical costs that leave a family struggling to meet daily expenses. In such situations, Critical Illness insurance provides financial security for both medical treatment and for supporting your family. While disability policies cover lost income due to an accident or illness, Critical Illness insurance policies pay a lump-sum tax-free benefit in the event you are diagnosed with a serious, life-altering illness or condition, and survive a certain amount of days.

Applications for guaranteed issue optional coverage will be accepted until September 30, 2018. The application form is available for midwives and employer plan member groups. Please mail, fax, or email your completed application to:
AOM Benefits Trust
365 Bloor Street East, Suite 800
Toronto, Ontario M4W 3L4
Fax: 416.921.6556
Tel: 1.866.418.3773 or 416.425.9974

New Insurance Carrier for AOMBT: SSQ Insurance

July 31, 2019 | Filed under Public.

AOMBT Trustees are excited to announce our new benefits carrier: SSQ Insurance.

As the 6th largest life insurer in the country and celebrating their 75th anniversary, SSQ is a  Canadian company with working-class roots. They have grown to serve more than 3 million customers, with 2,000 employees, and $12 billion in assets – a success story and beacon of hope for all those who subscribe to cooperative ideals. Their mutual ownership structure provides a distinct advantage for partners such as the AOM Benefits Trust and our plan members, as SSQ doesn’t have the same external pressures as other insurance carriers to produce year-over-year returns. Their commitment is to their clients. SSQ has an added commitment to social responsibility which is reflected in their corporate culture and business practices, with a strong emphasis on community and environmental issues.

SSQ serves numerous hospital groups and health professional associations across Canada and are committed to deepening their understanding of the complex needs of being a midwife. They have a strong track record of longstanding client relationships resulting from cost-effective, innovative benefit plans that meet the needs of plan members and their families.

Trustees are confident that with the attributes noted above, SSQ, as a wholly Canadian company with women in senior leadership roles, will be a great fit for Ontario midwives and all AOMBT plan members for years to come.

A reminder that short and long-term disability for midwife plan members only will transfer to SSQ effective August 1st. All other benefits for AOMBT plan members will be transitioning to SSQ effective October 1st, 2019. More information and specifics about our new plan including cost of benefit premiums will be provided soon. For Practice Partners with administrative staff, please share the news with your staff who are on the benefits plan.

If you have any questions about these changes, please contact Kelly Gascoigne, Chair, AOMBT at or Nicole Mellin, Executive Director, AOMBT at or by calling: 416.425.9974 or 1.866.418.3773 Ext. 2281

Changes are coming to the AOMBT Benefits Program

July 26, 2019 | Filed under Public, Midwives, Trustees.

Changes are coming to our benefits plan effective August 2019. In order to share information and give plan members a forum to discuss their concerns, the AOM Benefits Trust Chair, Vice-Chair and Executive Director invited midwives to join an information session to discuss the recent changes. To access the slides presented, click here to download the presentation. Watch for more updates in the weeks to come.

Desjardins Personal Information

June 20, 2019 | Filed under Public.

Recently Desjardins discovered that the personal information of many of their credit union members had been shared with individuals outside the organization. We want to assure you that we are aware of the situation and it is in no way related to Desjardins’ retirement business, and does not impact our plan members. The AOM Benefits Trust has confirmed with our Desjardins senior account representative that Trust members’ personal information remains secure.

Additional details can be found in a press release on the Desjardins website.

On the Horizon: Your Retirement Choices (Video)

June 28, 2018 | Filed under Public.

On the Horizon: Your Retirement Choices (Video)

The road to retirement is different for everyone. What are your options for converting your savings to income? When can you start collecting Canada Pension Plan and OAS? What happens if you retire early, or late? TFSA or RRSP? Join the AOMBT and Certified Financial Planner Janet Gray for a free webinar to learn more about the decisions you'll need to make on your retirement journey.

Download the presentation or watch the video below.


AOMBT Trustees

April 1, 2018 | Filed under Public.

The AOM Benefits Trust is pleased to announce that Krista Fairles was acclaimed as a Trustee following an open nominations process in February. Krista is a recent MEP graduate from Ryerson University with 30 years of experience in finance. Before entering midwifery, Krista trained and worked as a molecular biologist at the Universities of Guelph and Calgary, giving her a strong foundation in analytical thinking that she applies to both midwifery and finance. Krista is completing her New Registrant year at Midwifery Care of North Don River Valley, where there is a strong commitment to sharing time and skills with the  broader community. 

We also wish a fond farewell to our departing Trustee, Otis Kryzanauskas. Otis joined the Trust in 2015, bringing with him a keen interest in learning the full scope of the Trustee role. Otis made valuable contributions to the sustainability of midwifery both as a Trustee and as a member of the Finance & Audit  Committee. Thank you Otis!  You can find information about our current Trustees, learn more about  what they do and what it’s like to be a Trustee, at

2017 Member Information Reports

March 30, 2018 | Filed under Public.

The Member Information Report is an important financial planning tool for midwives. It reflects your total benefits funding and shows how these funds were allocated to the various components of the benefits plan. 2017 reports were mailed earlier this week, along with any applicable receipts and tax slips. Contact the AOMBT if you have any questions about your MIR.

Group Retirement Savings Plan receipts are mailed by Desjardins Financial. Receipts for contributions from March to December 2017 were mailed in January, and the receipts for the first 60 days of 2018 were mailed earlier this month.

Tax Time for Midwives (Video)

February 23, 2018 | Filed under Public.

Tax Time for Midwives (Video)

Presented by Susan Morrison, a CPA who knows all about the unique way in which midwives are compensated, Tax Time for Midwives will help midwives prepare for tax season. What documents do you need to have before you start? How is self-employed income taxed? Are there any deductions and credits for which you are eligible?

Download the presentation, or watch the video below

Monthly Invoice Submission Process (Video)

February 13, 2018 | Filed under Public.

Monthly Invoice Submission Process (Video)

Does your practice have questions or feedback about submitting your benefits funding invoices? The video below includes an overview of benefits funding, how to interpret the BORN invoice, and how to amend and resubmit failed or corrupt invoices.

Download the presentation or watch the video below.