| Employee Life Insurance and
Accidental Death & Dismemberment
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| Coverage features:
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- 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
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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.
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| Dependent Life Insurance |
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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
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| Extended Health Care |
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Coverage features:
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- 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
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- 2 year survivor dependent benefit
- Coverage terminates at age 70
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| Dental Care |
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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
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| Long Term Disability |
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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 65 th birthday
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| NOTE: Employees on disability to be covered for health and dental for 2 years while disabled |
