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Group Benefits

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1 to 2 Lives 3 to 9 Lives 10+ Lives
50,000 50,000 Up to 3X Salary
Higher amounts available No No Yes
Reduces at age 65 50% 50% 50%
Terminates at age 70 70 70
Conversion privileges Yes Yes Yes
*Medical evidence required Yes No No
1 to 2 Lives 3 to 9 Lives 10+ Lives
50,000 50,000 Equal to Life
*Medical evidence required Yes No No
  1 to 2 Lives 3 to 9 Lives 10+ Lives
  No No Optional
*Medical evidence required Yes No No
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
Percent of gross weekly salary paid 55% 55% 3 Options
Maximum weekly benefit EI Max EI Max Varied
Maximum weeks payable 26 26 26
*Medical evidence required Yes No No
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
Amount of benefit without medical evidence 0 $1,800 $4,000 (graded)
Maximum monthly benefit $3,000 $3,000 $4,000
Benefit payable to maximum age 65 65 65
Elimination period 182 days 182 days 182 or 365 days
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
Deductible per prescription $5 $5 Optional
In-province expenses reimbursed 80% 80% Up to 100%
Out-of-province expenses reimbursed 100% 100% 100%
Pay-direct drug card Yes Yes Optional
Lifetime maximum $3,000,000 $3,000,000 $3,000,000
Travel insurance Yes Yes Yes
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
Amount reimbursed every 2 years $250 $250 Varied
One eye exam every 24 months at 100% $75 $75 Varied
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Optional
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
Reimbursement Plan A (Basic) 80% 80% Up to 100%
Reimbursement Plan B (Major) 50% 50% Up to 60%
Reimbursement Plan C (Ortho) 50% 50% Up to 60%
Plan A (Basic) and Plan B (Major)
combined annual maximum per person
$2,500 $2,500 Varied
Plan C (Ortho) maximum per person $2,500 $2,500 Up to $3,000

Personal Choice Products

Click on a benefit to read more:

Benefit 1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
Maximum $250,000 $250,000 $250,000
Terminates at age 70 70 70
Medical evidence required Yes Yes Yes
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
Maximum $300,000 $300,000 $300,000
Terminates at age 70 70 70
Medical evidence required Yes Yes Yes
1 to 2 Lives 3 to 9 Lives 10+ Lives
Yes Yes Yes
Medical evidence required Yes Yes Yes

Other Provisions Offered

1 to 2 Lives 3 to 9 Lives 10+ Lives
Benefits for Retired Owners Yes Yes Yes
Layoff and Lending Out Provisions Yes Yes Yes
HSA Payment Provisions Yes Yes Yes