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Group Benefits for
Aplin Martin

About Acera Benefits

We are a leader in employee benefits, retirement and insurance consulting. Our mission is to provide world class benefit consulting services within a culture that fosters creativity, innovation and superior client service.

Summary of Benefits

Class A Employees

2 X annual earnings to a maximum of $500,000

Non-evidence maximum is $350,000

Reduces by 50% at age 65, terminates at age 70

Terminates at age 70

Optional Life:

– Employee and Spouse

– units of $10,000 to a maximum of $250,000

– All amounts are subject to evidence of insurability

Spouse – $20,000

Child – $10,000

Terminates at age 70

$25 single / $25 family annual deductible (does not apply to Drugs, Hospital or Vision care)

100% pay-direct (generic) drugs

100% Hospital (Private room)

100% other health benefits

$500 per practitioner Paramedical maximum
– Podiatrists and Chiropodists have a combined maximum
– Psychologists and Social Workers have a combined maximum

Emergency travel coverage (90 day trip duration)

Vision care:
– $250 every 24 months

Eye exams:/
– $75 every 12 months

24 month survivor benefits

Terminates at age 70

Nil annual deductible

100% Basic; 50% Major Restorative
– $2,000 combined annual maximum

50% Orthodontics
– $2,500 lifetime maximum
– includes adults

6 month recall

Current fee guide

24 month survivor benefits

Terminates at age 70

66 2/3% of the 1st $2,250 of monthly earnings, 55% of the remainder to a maximum of $6,000

No evidence of insurability is required

112 day elimination period

Payable to age 65

Own occupation period
– Class 1 – to age 65
– Class 2 – 2 years

Non-taxable benefit

Includes Best Doctors

Includes Employee Assistance Program

Terminates at age 65

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