Enjoy Health and
Dental Benefits
with the KAP Private Health Services Plan (PHSP)
Write off all of your medical expenses eligible under CRA
and receive a non-taxable benefit*
PHSPs can be used by self-employed, partnerships and
incorporated businesses
Use as a standalone benefit or complement an insurance
program
Benefits can be set-up for owners only or for employees,
including part-time or seasonal employees, to the maximum
limits specified by the business for each class (i.e. owners,
managers, full time, part-time, etc.) and allowed under CRA**
No medical questions or age limits to enroll
If a health insurance plan is in place, the PHSP can be used to
reimburse:
• the copay amount that insurance does not cover,
• eligible expenses over and above the insurance coverage
maximums, and
• expenses that may not be covered by insurance but
eligible under CRA (eg. laser eye surgery, vaccines, braces,
major dental, voluntary medical expenses including
medical services outside of Canada and numerous other
expenses).
*the business receives 100% tax deduction for eligible
medical expenses and owners and employees receive 100%
non-taxable reimbursement.
**CRA sets lower limits for sole-proprietors and
partnerships. Please call for details.
Questions/Contact
To request an information package, e-mail
kapbenefits@hubinternational.com
or call 1-866-527-0123, ext. 2
Conditions apply. Please ask for full information package.
Always read policy information.
Programs available to KAP Members and their employees.
Driver interaction
Numerous strategies and tactics exist to ensure the safe move-ment
of agricultural equipment along highways and roads.
Farmers who need to travel down major highways or
roads should make themselves aware of local traffic patterns
to avoid peak busy times, says FSP.
Operators can consult Manitoba 511 prior to any move to
check for construction projects, road/bridge closures, or other
types of restrictions on the planned route.
Motorists can do their part by keeping a safe distance
from agricultural machinery, and using extra caution when
approaching and overtaking, says Smiley. Farm equipment is
large and can take up more than a single lane, and is also slow
moving; many have a maximum speed of only 40 kilometres
per hour.
“Motorists should be patient when they come upon farm
equipment, and only pass when safe to do so,” Smiley said.
FSP suggests pulling over for drivers following too close,
but warns against waving followers to pass, “By allowing
motorists to decide for themselves when it is safe to pass, it
takes the responsibility off you.”
FSP also says that it’s a good practice to attempt making
eye contact with other drivers prior to passing one another.
“As a farm equipment operator, it always helps to acknowl-edge
motorists who do slow down or give way for them with a
nod or a wave. This goes a long way in keeping motorists feel-ing
better about sharing the road with farmers,” FSP said.
Lights and signs
Agriculture machinery drivers can also assist by inspecting
and cleaning off all lights and signage and ensuring turn sig-nals
and flashers are in good working order, FSP says.
FSP also says operators should always clean the equip-ment’s
windows and mirrors before leaving the yard.
MPI states that farm equipment is required to clearly
display a slow-moving vehicle emblem that’s visible to traffic
approaching from behind, with red reflectors on the back of
the equipment as close as possible to the left and right sides.
Additional caution is required for night driving, and farm
equipment must have headlights, red tail lamps, and flashing
amber warning lamps, the Crown corporation says.
Turning
Extra caution is required when agricultural equipment enters
roadways and makes turns, MPI says. Additionally, road dust
is a factor in dry conditions, and MPI urges drivers to avoid
passing or turning until dust clouds settle. MPI also reminds
operators to take into account the larger blind spots of larger
equipment like combines, and the parts that can obstruct a
driver’s view.
When turning, FSP recommends operators briefly shut
off their hazards to get the attention of vehicles behind them
before signalling.
“Often motorists become complacent if they have been
following equipment for a while and won’t notice a turn signal
switch from a hazard,” they said.
If clear of oncoming traffic, operators should double check
all mirrors and then make their turning intention clear. Before
FARM SAFETY
24 § Manitoba Farmers’ Voice § Summer 2020
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