Programs Offered

Life Insurance

Basic Life Insurance | Accidental Death & Dismemberment

• Flat amount or percentage of annual earnings
• No medical evidence required
  Dependent Life Insurance (spouse/children)

Disability

Disability Insurance

• Short or Long Term (to age 65)
• No medical evidence required

Health

Extended Health Care

• Hospitalization, emergency out-of-Canada
• Medical and paramedical services
  Chiropractor, osteopath, podiatrist and other services
• Prescription drugs (list of carriers/RAMQ, etc.)

Dental

Dental Care Insurance

• Basic services: routine exams, x-rays, etc.
  Additional basic (endodontic & periodontal services)
• Major services: crowns, bridges, dentures, etc.
• Orthodontic services: children and adults

Critical Illness

Basic or Optional Critical Illness Insurance

• Basic coverage up to $25,000
• No medical evidence required
  Higher amounts with medical evidence

Optional Life

Optional Life Insurance

• Increments of $5,000, $10,000 or $25,000
• Medical evidence required

Health Care

Health Care Spending Account

• Employer assigns an annual credit to each plan member
• To be used by the plan member when needed
  For health and dental expenses not covered by the plan
• Eligible expenses as determined by the Canada Revenue Agency

Additional Options

• Employee Assistance Program
• Best Doctors (offered by some carriers)
• Self-Insurance