LIFE INSURANCEMandatory Benefit

All Workers

Class ‘A’ – Two times annual earnings to a Maximum Benefit of $850,000

Class ‘B’ – One times annual earnings to a Maximum Benefit of $25,000

Benefit Reduction

Coverage reduces by 50% at age 65, it reduces another 50% at age 70 and terminates at retirement.

Non-Evidence Maximum

$600,000

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ACCIDENTAL DEATH & DISMEMBERMENTMandatory Benefit

All Workers

Class ‘A’ – Four times annual earnings to a Maximum Benefit of $850,000

Class ‘B’ – Two times annual earnings to a Maximum Benefit of $50,000

Benefit Reduction

Coverage reduces by 50% at age 65, it reduces another 50% at age 70.

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DEPENDANT INSURANCEMandatory Benefit

Spouse

$5,000

Child

$2,5000 – Child up to 14 days – $500

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LONG TERM DISABILITYMandatory Benefit

Coverage

70% of monthly earnings to a maximum benefit of $13,000

CPP Integration

Your benefit cannot exceed 85% of your monthly pre-disability gross salary or your net salary if the benefit is non-taxable.

Elimination Period

120 days

Own Occupation

You are eligible for benefits for a three year period for Class ‘A’ and a two year period for Class ‘B’ from the date LTD benefit payment commence, if you you unable to perform the usual & customary duties of your own occupation. Thereafter benefits will continue only if you are unable to perform the duties of any occupation.

Tax Status

This benefit is not taxable if the premium is employee paid.

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EXTENDED HEALTH CAREMandatory Benefit

Deductible

Single – $25
Family – $50
No deductible for drugs, hospital or travel emergencies.

Coverage

100%

Maximum Benefit

Unlimited

Hospital in BC

Semi-private charges

Orthopedic Shoes

Each Year – $400
Orthotics – $200 per year

Accidental Dental

Covered

Paramedicals

Maximum of $500 per year, per specialist.
Chiropractor, Podiatrist, Psychologist, Acupuncture, Speech Therapist, Osteopath, Registered Dietician, Christian Science, Naturopath, Chiropodist & Masseur.
*Physiotherapy is unlimited.

Oral Contraceptives

Covered

Special Nursing

Maximum of $20,000 every three years – for acute conditions only

Medical Services & Supplies

Covered

Prescription Drugs

Drug Card – Covered at 80%, 90% or 100%

Ambulance

Covered

Emergency Travel Insurance

100% Coverage for Worldwide coverage for emergency services only outside of B.C. to the standard rate of charge in that area.

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DENTAL CARE

Annual Deductible

Single – $25
Family – $25

Basic Coverage

Covered at 80%, 90% or 100%

Recall Examination

Adult – Every nine months
Children 20 & under – Every six months

Major Restorative

Covered at 50% for – Caps, Crowns, Bridges & Dentures

Orthodontic Care (optional)

50% for dependent children, $1,000 lifetime maximum.

Annual Maximum

Combined Maximum of – $1,500

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