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LIFE INSURANCE
The life insurance benefit will be paid to the employee's
appointed beneficiary upon the death of the employee.
| All Eligible Employees: |
$25,000 benefit |
Benefit will reduce by 50% at age 65 and terminate at
age 70 or retirement, whichever comes first.
DEPENDENT LIFE INSURANCE
The following amount of benefit will be paid to the
employee upon the death of his/her eligible
dependent, with coverage commencing at birth:
Spouse $5,000 Child $2,500
ACCIDENTAL DEATH, DISEASE &
DISMEMBERMENT
This benefit provides a lump sum cash payment equal
to twice the life insurance benefit should the employee
suffer an accidental death, 24 hours a day, on or off
the job.
Payout percentage examples for Loss of:
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Both Hands or Both Feet |
100.00% |
| |
One Leg or One Arm |
75.00% |
| |
Either Hand or Foot |
66.67% |
| |
Thumb & Index Finger of Same Hand |
33.33% |
Payout percentage examples for Loss of Use of:
| |
Quadriplegia, Paraplegia or Hemiplegia |
100.00% |
| |
Both Hands or Both Arms |
100.00% |
| |
One Arm or One Leg |
75.00% |
REHABILITATION, REPATRIATION &
SPOUSAL RETRAINING |
$10,000 max./benefit |
| EDUCATION |
$5,000 max./year |
Pays child's education if employee dies
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EXTENDED HEALTH CARE
The following expenses are covered* with no deductibles:
| Benefit |
Co-Ins. |
Maximum |
| Paydirect Prescription Drugs |
80% |
$1,500/yr./person |
| Private Duty Nursing |
80% |
$10,000/lifetime |
| Paramedical Practitioners |
80% |
$400/yr./practitioner |
Osteopath, Naturopath, Podiatrist,
Chiropodist, Psychologist,
Physiotherapist,Acupuncturist
Speech and/or Massage Therapist
| Chiropractor |
80% |
$20/visit - $400/yr. |
| Eye Examination |
80% |
1 exam/24 mths. $50/max. |
| Orthopedic Shoes/Orthotics |
80% |
$250/yr. |
| HearingAids |
80% |
$400/5 yrs. |
| Cardiac Rehabilitation |
80% |
$500/yr. |
| Prosthetics |
80% |
$25,000/lifetime |
| Medical Supplies |
80% |
unlimited |
| EmergencyAmbulance |
80% |
unlimited |
| Accidental Dental |
80% |
$2,000/lifetime |
Anti-Smoking, Fertility Drugs & Treatments excluded
Semi-Private Hospital excluded
*All coverage subject to terms and conditions of the insurance policy.
OUT-OF-PROVINCE/COUNTRY
(included with Extended Health Care Coverage)
If the employee or an eligible dependent becomes ill or
injured while travelling, emergency hospital and medical
expenses will be paid at 100%, in excess of the amount
paid by the Provincial Health Insurance Plan.
This benefit is subject to a $1,000,000.00 maximum and
does not include referral coverage.
Eligible benefits are limited to a maximum of 60 days per
trip, commencing with the date of departure from your
province of residence. If you are hospitalized on the 60th
day, benefits will be extended until the date of discharge.
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DENTAL CARE (Optional)
This plan will pay 80% of basic covered expenses with
no annual deductibles. Benefit payment is based on
the current provincial fee schedule to a maximum of
$1,000 per calendar year per insured.
Covered expenses:
- oral examinations, cleaning and polishing of teeth,
but not more than once every nine months
- fluoride applications
- x-rays
- fillings
- space maintainers
- extractions
- anaesthesia
- endodontics (root canal therapy)
- periodontics (treatment of gums & other tissue of the mouth)
- repairs or relining and rebasing of dentures
SURVIVOR BENEFIT
(Included at no additional cost)
If the insured dies, their Extended Health Care and
Dental coverage will continue without premium payment
for up to six months for all eligible dependents.
LONG TERM DISABILITY (Optional)
Pays the insured 60% of their gross insured earnings to
a maximum monthly benefit of $1,500 if the employee
is unable to work due to disability.
- The insured is required to complete a Medical
Questionnaire
- Benefit payment begins after 4 months of total disability
and continues to age 65 at which time benefits terminate
- Definition of Disability: One Year Own Occupation
- Primary CPP Integration offset
- 85%All-Source Maximum
- Inflation protection
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