OLC

    Exclusively for organizational members of the OLC

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    Plan designed to meet the needs of your group

    • Excellent benefits
    • An affordable price
    • Easily understood and administered
    • Fast and fair claim services
    • Pre-authorized premium deposit
    • Toll-free Customer Service Centre
    • Secure internet sites

    Plan members gain:

    • A competitive edge in the job market
    • A cost-effective method of providing employees with coverage for medical bills
    • Protecting employees and their families.

    Who is eligible:

    • All full time employees who work at your location need to enroll
    • Employee Life Insurance
    • Accidental Death and Dismemberment (AD&D)
    • Dependent Life insurance – Extended Health Care (EHC)
    • Dental Care
    • Long Term Disability

    OLC Benefit Plan

    Employee Life Insurance and Accidental Death & Dismemberment
    Coverage features:
    • 1 x annual Earnings – maximum benefit of $75,000
    • Life coverage terminates at retirement or age 99, whichever is earlier
    • Coverage reduces 33% at age 65 and a further 50% at age 70
    • AD&D coverage terminates at retirement
    A Compassionate Assistance plan is available with a waiver of premium benefit. The plan provides an advance loan on an employee’s Group life insurance benefit for terminally ill employees.
    Dependent Life Insurance
    Coverage features:
    • Spouse $5,000
    • Each dependent child $2,000
    • Dependent Child coverage from 24hrs. – to age 21 or 25 if a full- time student
    • Termination: same as Life Insurance
    Extended Health Care
    Coverage features:
    • Unlimited overall maximum
    • Hospital - Semi-private
    • ManuScript pay direct drug coverage
      • prescription drugs (generic)
      • excludes: sexual dysfunction, fertility, anti-smoking & anti-obesity
      • $7.00/prescription dispensing fee maximum
      • $5,000/calendar year maximum
    • Professional services - $350/practitioner/year
      • Practitioners covered:
        • chiropractor, osteopath, podiatrist
        • masseur, naturopath, speech therapist
        • physiotherapist and psychologist
    • Eye Exam and Vision Care
      • $200 every two calendar years
      • Exam every 12 months
    • Private duty nursing -up to $10,000/cal yr.
    • Hearing aids - up to $500 per 5 cal. year
    • Stock-item orthopedic shoes - up to $150/year
    • Custom-made orthotics - up to $400/3 years
    • Ambulance services
    • Emergency out-of Canada - $1,000,000 max.
    • ManuAssist - travel &health advice assistance -
    • 2 year survivor dependent benefit
      • Coverage terminates at age 70
    Dental Care
    Coverage features:
    • Basic and supplementary services - 100%
    • Dentures & Major Restorative services - 50%
    • Maximum: $1,500 per calendar year combined
    • 2 year survivor dependent benefit - Coverage terminates at age 70
    Long Term Disability
    Coverage features:
    • 66.7% of monthly Earnings – maximum benefit of $3,000 per month
    • Cost of Living Adjustment - 3%
    • Qualifying Period - 119 days
    • Maximum Benefit Period - up to 65th birthday
    NOTE: Employees on disability to be covered for health and dental for 2 years while disabled
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