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Group Benefits for
Aplin Martin
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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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Resources
- Long Term Disability Employee Booklet (All eligible Engineers, Executives, Architects, Landscape Architects, B.C. Land Surveyors and Registered Planners)
- Long Term Disability Employee Booklet (All other eligible employees)
- Group Benefits Plan Employee Booklet (Class A)
- Group Retirement Savings Plan Enrolment Kit
- Best Doctors services information