| BENEFITS |
PLAN ONE
for companies of All Sizes
|
PLAN TWO
for Companies with Five or More Employees |
| Employee Life Insurance |
Owners/Managers: $10,000
Others: $8,500
50% reduction age 65 - termination age 75.
MANDATORY BENEFIT |
Flat schedule - Min $25,000 - Max $100,000 or
1 x annual salary -max $300,000, or
2 x annual salary - max $300,000
50% reduction age 65 - termination age 75.
MANDATORY BENEFIT |
| Accidental Death & Dismemberment |
Double the Life Insurance Benefit.
MANDATORY BENEFIT |
Double the Life Insurance Benefit.
MANDATORY BENEFIT |
| Dependent Life Insurance |
Spouse: $5,000
Each Child: $2,500
MANDATORY BENEFIT |
Spouse: $5,000 - Each child: $2,500, or
Spouse: $10,000 - Each child: $5,000.
OPTIONAL BENEFIT |
| Extra Life Insurance |
Up to $300,000 in units of $10,000 for employee and/or spouse.
OPTIONAL BENEFIT |
Up to $300,000 in units of $10,000 for employee
and/or spouse.
OPTIONAL BENEFIT |
| Extra Accidental Death & Dismemberment |
Up to $300,000 in units of $10,000 for single or family coverage.
OPTIONAL BENEFIT |
Up to $300,000 in units of $10,000 for single or family coverage.
OPTIONAL BENEFIT |
| Short-Term Disability |
NOT AVAILABLE |
17-week or 26-week plan paying two-thirds gross earnings to a weekly max. of $700. Starting on the first day of an accident and the eighth day of sickness.
OPTIONAL BENEFIT |
| Long-Term Disability |
Two-year benefit period paying two-thirds gross earnings up to a monthly max of $3,031 starting on the 120th day of disability (31st day for Owners without E.I.). Benefits cease at age 70.
MANDATORY BENEFIT |
Max Five Year or to age 65 benefit period paying 60% or two-thirds gross earnings to a monthly max of $5,000 starting on the 120th day of disability. Benefits cease at age 65.
OPTIONAL BENEFIT |
| Supplementary Hospital |
Full Semi-Private - no deductible - no daily max.
MANDATORY BENEFIT |
Full Semi-Private - no deductible - no daily max.
OPTIONAL BENEFIT |
| Vision Care |
$100 every two years for prescription eyeglasses or contacts plus one eye exam/2years - max $75.
MANDATORY BENEFIT |
$100/$150/$200 every two years for prescription eyeglasses or contacts plus one eye exam/2years - max $75.
OPTIONAL BENEFIT |
| Prescription Drugs |
Pay-direct drug card - pays 80% of generic equivalent. Name brand covered if ordered by physician. Smoking cessation max $300 Lifetime. Fertility and erectile dysfunction drugs are excluded.
MANDATORY BENEFIT |
Pay-direct drug card - pays 80% or 100% of generic equivalent. Name brand covered if ordered by physician. Per-script deductibles and dispensing fee maximum also available. Smoking cessation max $300 Lifetime. Fertility and erectile dysfunction drugs are excluded.
MANDATORY BENEFIT |
| Other Health Care Expenses |
Plan pays 100% after a one-time annual deductible of $20 ($50 family). Plan covers paramedical practitioners to $350 per year each, plus nursing care, medical supplies & equipment, hearing aids, etc.
MANDATORY BENEFIT |
Plan pays 100% of eligible expenses with no deductible. Plan covers paramedical practitioners to $500 per year each, plus nursing care, medical supplies & equipment, hearing aids, etc.
MANDATORY BENEFIT |
| Out of Province/Canada Travel Plan |
Pays 100% of emergency hospital (up to Semi-Private) & medical expenses that exceed OHIP - up to 60
continuous days per trip. Max $5million lifetime.
MANDATORY BENEFIT |
Pays 100% of emergency hospital (up to Semi-Private) & medical expenses that exceed OHIP - up to 60 continuous
days per trip. Max $5million lifetime.
MANDATORY BENEFIT |
| Dental |
Pays 80% of current G.P. fee guide for examinations, consultations, x-rays, anaesthetics, cleaning every 6 months, fluoride treatment, extractions, fillings, surgery, root canals, periodontics & repairs to dentures to an annual max of $1,000 per person.
MANDATORY BENEFIT |
Pays 80% or 100% of current G.P. fee guide for examinations, consultations, x-rays, anaesthetics, cleaning every 6 months, fluoride treatment, extractions, fillings, surgery, root canals, periodontics & repairs to dentures to an annual max of $1,500 per person.
OPTIONAL BENEFIT |
| Employee Assistance Program EAP |
Pays 100% of counselling sessions for advice and guidance for stress, childcare, eldercare, harassment, alcoholism, substance abuse, separation, financial and legal problems, etc.
MANDATORY BENEFIT |
Pays 100% of counselling sessions for advice and guidance for stress, childcare, eldercare, harassment, alcoholism, substance abuse, separation, financial and legal problems, etc.
OPTIONAL BENEFIT |
