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Group Benefits
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Estimated Monthly Premium per Employee
| Options | Economy | Standard | Enhanced | Deluxe | Info |
|---|---|---|---|---|---|
| $246.96 | $369.27 | $390.17 | $415.46 |  |
|
| Minimum number of employees | 1 | 1 | 1 | 1 |
Life Insurance
| Economy | Standard | Enhanced | Deluxe | Info | |
|---|---|---|---|---|---|
| Benefit | 10,000 | 50,000 | 75,000 | 75,000 |  |
| Reduction at age 65 | None | None | None | 50% | |
| Terminates at age | 65 | 65 | 65 | 65 / 70 | |
| Medical evidence required | No | No | No | No |
Accidental Death & Disablement
| Economy | Standard | Enhanced | Deluxe | Info | |
|---|---|---|---|---|---|
| Benefit | 10,000 | 50,000 | 75,000 | 75,000 |  |
| Reduction at age 65 | None | None | None | 50% | |
| Terminates at age | 65 | 65 | 65 | 65 / 70 | |
| Medical evidence required | No | No | No | No |
Critical Illness
| Economy | Standard | Enhanced | Deluxe | Info | |
|---|---|---|---|---|---|
| Benefit | 10,000 | 10,000 | 10,000 | 10,000 |  |
| Mandatory | Yes | Yes | Yes | Yes | |
| Terminates at age | 65 | 65 | 65 | 65 | |
| Medical evidence required | No | No | No | No |
Short Term Disability
| Economy | Standard | Enhanced | Deluxe | Info | |
|---|---|---|---|---|---|
| Benefit | None | Yes | Yes | Yes |  |
| Percent of gross weekly salary paid | 66.7% | 66.7% | 66.7% | ||
| Maximum weekly benefit | Current EI | Current EI + $50 | Current EI + $100 | ||
| Maximum weeks payable | 52 | 26 | 26 | ||
| 1st day accident, 6th day sickness | Yes | Yes | Yes | ||
| Terminates at age | Retirement | Retirement | Retirement | ||
| Medical evidence required | No | No | No |
Long Term Disability
| Economy | Standard | Enhanced | Deluxe | Info | |
|---|---|---|---|---|---|
| Benefit | None | Yes | Yes | Yes |  |
| Percent of gross monthly salary paid | 66.7% | 66.7% | 66.7% | ||
| Monthly benefit without medical evidence | $1,800 | $2,000 | $2,000 | ||
| Maximum monthly benefit | $1,800 | $2,000 | $2,000 | ||
| Elimination period | 364 days | 182 days | 182 days | ||
| One year own occupation | Yes | Yes | Yes | ||
| Terminates at age | 65 | 65 | 65 |
Extended Health Care
| Economy | Standard | Enhanced | Deluxe | Info | |
|---|---|---|---|---|---|
| Benefit | Yes | Yes | Yes | Yes |  |
| Prescription drugs | Yes | Yes | Yes | Yes | |
| Pay-direct drug card | Yes | Yes | Yes | Yes | |
| Deductible per prescription | $5 | $5 | $5 | $5 | |
| Eligible expenses | |||||
| Up to $1,000 of claims After $1,000 of claims |
80% 100% |
80% 100% |
80% 100% |
80% 100% |
|
| Deductible per year other expenses | $50 | $50 | $50 | $50 | |
| Hospital room | Private | Private | Private | Private | |
| Paramedical services Combined max. per person per calendar year Per visit max. per practitioner |
Yes $1,000 $10 |
Yes $1,000 $10 |
Yes $1,000 $30 |
Yes $1,000 R&C fee |
 |
| Vision care Eye exams Glasses and contact lenses |
None | None | Yes Yes $150 |
Yes Yes $150 |
 |
| Medical travel benefit lifetime maximum | $2,000 | $2,000 | $2,000 | $2,000 | |
| Out-of-province / country emergency expenses |
100% | 100% | 100% | 100% | |
| Lifetime maximum | Unlimited | Unlimited | Unlimited | Unlimited | |
| Provincial medical | Not included | Not included | Not included | Not included |  |
| Terminates at age | Retirement | Retirement | Retirement | Retirement |
Dental Care
| Economy | Standard | Enhanced | Deluxe | Info | |
|---|---|---|---|---|---|
| Benefit | Yes | Yes | Yes | Yes |  |
| Basic services (preventative and restorative) | 80% | 80% | 80% | 80% | |
| Major restorative (crowns, bridges, dentures) | 50% | 50% | 50% | 50% | |
| Combined annual maximum per person | $1,200 | $1,500 | $1,500 | $1,500 | |
| Orthodontic services (dependent children under the age of 19) Lifetime maximum | None | None | 50% $2,000 | 50% $2,000 | |
| Dental accident coverage | Yes | Yes | Yes | Yes | |
| Terminates at age | Retirement | Retirement | Retirement | Retirement |
Personal Choice Products
Click on a benefit to read more:
Optional Life Insurance
| Coverage | ||
|---|---|---|
| Benefit Schedule |  |
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Optional AD&D Insurance
| Coverage | ||
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| Benefit Schedule |  |
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