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.

New financial videos - Saving and Managing Debt & Investing: Beyond the Basics

April 5, 2016 | Filed under Public.

New financial videos - Saving and Managing Debt & Investing: Beyond the Basics

We've added 2 new videos and presentations to our financial education resources:

The Importance of Saving and Managing Debt: What's the real cost of using credit? How can you reduce your current debts? What tools are available to help create a budget?

Beyond the Basics: Investing 201: Dig deeper into investing and learn more about economic trends, interest rate volatility, and monitoring and re-balancing your portfolio.

To access the presentations and videos, click on your plan member group link below:


Practice Staff

AOM Staff

Toronto Birth Centre Staff

2016 AOMBT elections: Welcome to our new Trustees!

April 4, 2016 | Filed under Public.

2016 AOMBT elections: Welcome to our new Trustees!

The results of our 2016 Trustee election are in! The AOMBT would like to thank our departing Trustee, Melinda Soares. Melinda was elected in 2013, and provided leadership in her role as Chair of the Parental Leave Working Group, and as a member of the Finance & Audit Committee. Thank you Melinda! 

Congratulations to returning Trustee Andrea Mills, and our 3 new Trustees: Courtney Graham, Jane Erdman, and Madeleine Clin. We are looking forward to the knowledge, experience, and perspectives all will bring to the Trust. Learn more about our current Trustees.

Thank you to everyone who voted and engaged with us in this important process!

Benefits Funding Explained

March 29, 2016 | Filed under Public.

Midwives: do you have questions about how your 20% benefits funding works, and how it flows through to pay your premiums and make retirement savings contributions? The Benefits Trust has put together a new resource to help you understand your benefits funding. To view, go to

Please note: you will need to be logged into your account as a midwife to view this page.

Your 2015 Member Information Report (midwives)

March 23, 2016 | Filed under Public.

Your 2015 Member Information Report (midwives)

Midwife plan members: Your 2015 Member Information Reports are in the mail!

Your MIR is an important resource, reflecting the ways in which your 20% benefits funding was allocated and how your Group Retirement Savings Plan (GRSP) contributions were calculated. If applicable, you will also receive in your package tax receipts for your supplementary fees, health and dental premiums, and self-funded leave account interest income. Please note: your practice will provide you with your total BCC income, and your GRSP receipts come directly from Desjardins. If you are missing any GRSP receipts, you can download these by logging in (click on "Your account").

To support your review of your 2015 Member Information Report, we've prepared an online guide. To access the guide, click here. Please note: you must be logged into your website account to access this link.

New Resource: Approaching Retirement

March 10, 2016 | Filed under Public.

New Resource: Approaching Retirement

Figuring out when to retire, how to prepare for retirement, and what your life will look like after, are personal decisions that may be affected by many factors. To help our plan members understand how retirement will affect benefits, we've prepared a Factsheet aimed at plan members expecting to retire in the next 5 years. This factsheet includes information on the maximum age for benefits, options to continue benefits and life insurance coverage after retirement, how retirement will affect your GRSP, and the implications of working a reduced case load leading up to retirement. It also includes links to resources to help guide you through this important life event.

To access the Factsheet for your plan member group, please click below. You must be logged into your plan member account.


Practice Administrative Staff

Toronto Birth Centre Staff

AOM Staff


Wills & Estate Planning for Midwives - 3 part webinar series coming this April

March 3, 2016 | Filed under Public.

The AOM Benefits Trust invites you to attend a 3 part webinar series designed to help you understand the complexities of estate planning, what steps you need to take to develop a will, and information about appropriate levels of insurance coverage.

Developed specifically for midwives in Ontario and facilitated by estate litigators and an insurance specialist, this free series will cover:

  • Wills and Powers of Attorney
  • Choosing your executor
  • Assets and liabilities
  • Guardianship for your dependants
  • Insurance coverage

Click here to access the webinar website to reserve your seat (you will need to be logged into your account). All webinars are held from 12pm - 1pm EST.

April 7: Module 1 - Estate Planning presented by Lori Duffy
April 14: Module 2 - Insurance as an Estate Planning Tool presented by Robin Goodman
April 21: Module 3 - Planning for Mental or Physical Incapacity presented by Clare Burns

Tax Time for Midwives

March 1, 2016 | Filed under Public.

Tax Time for Midwives

In February 2016, the AOM Benefits Trust presented two webinars developed to help midwives prepare for tax season. Presented by Susan Morrison, a CPA who works with several midwives and practices in central Ontario, the webinar included an overview of the Canadian tax system, considerations specific for self-employed midwives including deductions, expenses and credits, and information about the documents midwives will receive from the Benefits Trust and our partners. To download the presentation or view a video of the webinar, click here (please note: you will need to login to your account to access this page).

Delivering More Options: Your AOMBT Group Retirement Savings Plan

February 8, 2016 | Filed under Public.

The AOM Benefits Trust GRSP investment fund line-up is expanding, providing our plan members with more options for retirement savings. 

In keeping with sound governance practices, AOMBT Trustees periodically review the investment options offered in your plan to ensure they are offering an optimal rate of return and to continue to meet your needs. Based on a recent review, we are making changes to the investment fund line-up.

To learn more, click on the links below (please note: you will need to sign in to access the information)

2016 Group Retirement Savings Plan: Changes for midwives

2016 Group Retirement Savings Plan: Changes for Toronto Birth Centre staff

2016 Group Retirement Savings Plan: Changes for AOM Benefits Trust staff

Individual Pension Plans for Incorporated Midwives: An introduction

November 19, 2015 | Filed under Public.

An Individual Pension Plan is a retirement savings tool for incorporated individuals or business owners. An IPP may be an option for you if:

  •    You are an incorporated midwife
  •    You are over 45 years old
  •    Your annual income is over $75,000

On November 17th, 2015, the AOMBT hosted a webinar on this savings option with representatives from Desjardins Financial. If you couldn't make it, we encourage you to click the link below to review the presentation. We've also posted the form to request a free, no obligation quote from Desjardins. If you have any questions or would like to speak with a Desjardins representative, please contact the AOMBT at or submit your question using the form below.

Furthering the AOMBT Mission: Fall Regional Meetings

October 8, 2015 | Filed under Public.

Furthering the AOMBT Mission: Fall Regional Meetings

The 2015 Fall Regional Meetings have come to a close! We thank everyone who attended, either in person or via teleconference/webinar. You can access a copy of the presentation here; we especially encourage you to review this if you were unable to attend. This presentation focused on increasing awareness of the income replacement programs available for midwives, including disability, parental leaves, critical illness coverage, and our self-funded leave program.