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.

Plan Feature	Premium	Premium 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 month	Your 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 Program	Included 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

Type	Premium	Premium 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

Questions? Contact your Acera Benefits Advisor

Chantell Arsenault, Acera Benefits

Phone 250.869.6080
Email chantell.arsenault@acera.ca