Life Insurance and Accidental Death & Dismemberment

• 1 X annual earnings to a maximum of $500,000
• No evidence of insurability is required
• Reduces by 50% at age 65, terminates at age 70

Dependent Life

• Spouse – $10,000
• Child – $5,000
• Terminates at age 75

Voluntary Critical Illness (Allstate)

• Amounts available for employees: $10,000, 25,000, or $50,000
• Spouse & children covered at 50%
• Guaranteed issue during open enrolment periods

Short-term Disability / Weekly Indemnity

• 66.67% of weekly earnings to a maximum of $2,000
• No evidence of insurability is required
• Payable from 1st day for accident / hospitalization; 8th day for illness
• Payable for 17 weeks
• Taxable benefit
• Terminates at age 65

Long-term Disability

• 66.7% of the 1st $5,000 of monthly earnings, plus 57% of the next $3,500 plus 53% of the remainder to a maximum of $15,000
• Non-evidence maximum is $5,000
• 119 day elimination period
• Payable to age 65
• 2 year own occupation
• Non-taxable benefit
• Terminates at age 65

Extended Health

• Nil deductible
• 100% pay-direct (mandatory generic) drugs
• 100% Hospital (Semi-private room)
• 100% other health benefits (see booklet for coverage details and maximums)
• $500 per practitioner Paramedical annual maximum
• Podiatrists and Chiropodists have a combined maximum
• Psychologists and Social Workers have a combined maximum
• Dieticians and Nutritionists have a combined maximum
• Emergency travel coverage (180 day trip duration, $5,000,000 lifetime maximum)
• Vision care:
• $200 every 24 months for adults, every 12 months for children
• Eye exams:
• $100 every 24 months for adults, every 12 months for children
• 24 month survivor benefits
• Terminates at retirement

Dental

• Nil deductible
• 100% Basic; 50% Major Restorative
• $2,500 combined annual maximum
• 6 month recall
• Current fee guide
• 24 month survivor benefits
• Terminates at retirement

Employee Assistance Program (EAP)

• 24/7 Service Centres
• Specialized Counsellors
• Face-to-Face, Telephone or Cyber Counselling