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Structurlam Wellness Plan

Thriving together

The new Flexible Benefits component of our Wellness 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 for 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 our Structurlam values

Choose your plan

You now have a choice when it comes to wellness plan benefits. The Premium option is 100% funded by Structurlam, except for disability, which remains the same to keep its non-taxable status. Employees can opt in to Premium Flex via a monthly payroll deduction. 

NOTE: Unless there is an eligible lifestyle event, wellness plans can only be changed every two years.

PremiumPremium Flex
Life & Accidental Death and Dismemberment Insurance– 2x Annual Earnings, up to $150,000
– Reduces by 50% at age 65
– Termination – age 70		– 2x Annual Earnings, up to $150,000
– Reduces by 50% at age 65
– Termination – age 70
Dependent Life Insurance– Spouse – $5,000
– Child(ren) – $2,500		– Spouse – $5,000
– Child(ren) – $2,500
Optional Critical Illness Insurance$10k, $25k and $50k options
Click here for details		$10k, $25k and $50k options
Click here for details
Long Term Disability (LTD)Your disability benefit is a percent of your gross income up to a max of $5000 per monthYour disability benefit is a percent of your gross income up to a max of $5000 per month
Extended Health Care– Deductible – NIL
– 80% (100% Hospital, Vision and Travel)
– Semi-Private Hospital – included
– Travel – 100%, $5,000,000 lifetime maximum;  Trip duration – 90 days
– Termination – age 75 (or retirement)		– Deductible – NIL
– 90% (100% Hospital, Vision and Travel)
– Semi-Private Hospital – included
– Travel – 100%, $5,000,000 lifetime maximum;  Trip duration – 90 days
– Termination – age 75 (or retirement)
Drugs– Deductible – NIL
– 80% Coinsurance (90% at Costco)
– Substitute for generic when available		– Deductible – NIL
– 90% Coinsurance (100% at Costco)
– Substitute for generic when available
Paramedicals
(e.g. massage, physiotherapy, chiropractor)		– 80% Coinsurance
– $500 per practitioner, per year
– No prescription required
– Addition of clinical counsellors		– 90% Coinsurance
– $600 per practitioner, per year
– No prescription required
– Addition of clinical counsellors
Vision– 100% Coinsurance
– Eye exams – once per 24 months
– Eye wear – $200 per 24 months		– 100% Coinsurance
– Eye exams – once per 24 months
– Eye wear – $300 per 24 months
Employee & Family Assistance ProgramIncluded for all Plan Members
(New carrier Humanacare, details to follow)		Included for all Plan Members
(New carrier Humanacare, details to follow)
Dental– Deductible – NIL
– Basic – 80%, $1,500/year (combined)
– Major – 50%, $1,500/year (combined)
– Orthodontics – n/a
– Recall frequency – once per 6 months
– Termination – age 75 (or retirement)		– Deductible – NIL
– Basic – 100%, $2,000/year (combined)
– Major – 50%, $2,000/year (combined)
– Orthodontics – $2,000 lifetime (adults incl.)
– Recall frequency – once per 6 months
– Termination – age 75 (or retirement)

Payroll deduction

PremiumPremium Flex
Single–$9.88/pay period
Couple–$19.76/pay period
Family–$30.66/pay period

Resources

Voluntary benefits

Allstate Critical Illness

Coverage Options, Pricing & Online Enrollment
Learn More

GoLife

Self-directed Term Life Insurance made easy & affordable, done 100% online
Learn More

Group Retirement Savings Plan

Structurlam’s new Group Retirement Savings Plan – Employer-matched contributions up to 2% of earnings
Learn More

Plan selection form

Complete the form below to select your benefits plan

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Name
Plan selection

Questions? Contact your Acera Benefits Advisor

Chantell Arsenault, Acera Benefits

Phone 250.869.6080
Email chantell.arsenault@acera.ca