iTel Employee Benefits Plan

The Group Benefits Plan is designed to:

• Be meaningful and supportive of the associate and their family’s health
• Ensure the appropriate levels of care are in place when accessed and needed
• Meet or exceed plans of those who compete for the same talent
• Provide the associate with the flexibility to choose coverage based on their lifestyle and health care needs
• Align with iTel values

Plan details

Plan	Details
Life & Accidental Death and Dismemberment Insurance	– Benefit Amount: 1 x annual earnings Overall Maximum/Non-Evidence Maximum: $200,000 – Minimum Benefit: $50,000 – Coverage Reduction: 50% at age 65 – Termination: at age 71
Optional Life Insurance	– Employee & Spouse: $10,000 units up to maximum  $500,000 – Termination: at age 65
Critical Illness Insurance	– Benefit Amount: $15,000 – Illnesses Covered: 24 – Termination: at age 65
Long Term Disability (LTD)	– Benefit Amount: 66.7% of insured monthly earnings – Maximum Benefit: $9,000 or 85% of pre-disability pay, whichever is less – Non-Evidence Maximum: $6,500  – Qualifying Period: 112 days – Benefit Period: to age 65 – Status: Non-Taxable – Survivor Benefit: 3 x monthly benefit amount – Termination: to age 65
Extended health care	– Annual Deductible: Nil – Co-insurance: 90% (unless otherwise indicated) – Hospital : 100%; Semi-Private – Private Duty Nursing: $10,000 / 12 months, per condition – Custom Made Orthotics: $300 / calendar year – Custom-Fitted Orthopedic Shoes: $300 / calendar year – Hearing Aids: $700 / 5 years – Out-of-Canada Emergency: 100% coinsurance, unlimited maximum;  60-day trip duration – Best Doctors: Included – Survivor Benefits: 2 years – Termination: at retirement
Prescription drugs	– Deductible: Nil – Co-insurance: 80% (effective February 1, 2023) – Drug Plan Type: Enhanced Generic, Pay Direct – Annual Maximum: $10,000
Paramedical	– Co-insurance: 80% (effective February 1, 2023) – Paramedical practitioners: $1,000 / calendar year for all practitioners combined – Included: Acupuncturist, Audiologist, Chiropractor, Clinical Counsellor, Dietician, Massage Therapist, Naturopath, Osteopath, Physiotherapist, Podiatrist, Psychologist & Social Worker – Mental health practitioners – $750 / calendar for all practitioners combined
Vision care	– Co-insurance: 90% – Eye Exams: once / 24 months – Vision:  $300 / 24 months
Dental	– Annual Deductible: Nil – Basic Services Co-insurance: 80% (effective February 1, 2023) – Maximum: $1,500 / calendar year (combined with Major) – Major Restorative Co-insurance: 50% – Combined Maximum (Basic & Major): $1,500 / calendar year  – Recall Exams: one / 6 months – Periodontal Scaling & Root Planing: 10 units / calendar year – Survivor Benefits: 2 years – Termination: at retirement
Health spending & lifestyle flex account	– Through National HealthClaim – Benefit Amount: $200 / calendar year (60-Day Run Off, No Carry Forward)
Employee & family assistance program	– Through Homewood Health – Offers support with mental, financial, physical and emotional well-being
Eligibility & waiting period	– Permanent  employees working at least 24 hours / week (3 months of continuous employment)

Voluntary benefits

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Questions? Contact your Acera Benefits Advisor

Genevieve Kelln, Acera Benefits

Phone 250.869.3995
Email genevieve.kelln@acera.ca