 GROUP LIFE INSURANCE * Mandatory 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 $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 |
| Accidental Death & Dismemberment * Mandatory 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 |
|
AD&D Critical Illness |
The employee will receive 5% of the principal sum to a maximum of $10,000 if if the employee suffers from a Heart Attack, Stroke, Cancer or Kidney Failure. |
| DEPENDENT INSURANCE * Mandatory Benefit |
| Spouse |
$5,000 |
| Child |
$2,500 - Child up to 14 days - $500 |
| LONG TERM DISABILITY * Mandatory Benefit |
| Coverage |
70% of monthly earnings |
| 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 |
| Benefit Period |
To age 65 |
| 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. |
| Non Evidence Maximum |
$10,000 per month |
| Tax Status |
This benefit is not taxable if the premium is employee paid |
| EXTENDED HEALTH CARE * Mandatory Benefit |
| Deductible |
Single - $25
Family - $50
No deductible for drugs, hospital or travel emergenices. |
| 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. |
| Hearing Aids |
$500 Every Three Years |
| 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 |
Worldwide coverage for emergency services only outside of B.C. to the standard rate of charge in that area |
| 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 |
| Annual Maximum |
Combined Maximum of - $1,500 |
| Orthodontic Care (optional) |
50% for dependent children, $1,000 lifetime maximum. |
| SHORT TERM DISABILITY |
| Coverage |
66.67% of weekly earnings |
| Maximum Benefit |
$750 per week |
| Elimination Period |
Accident - 1st day
Sickness - 7th day |
| Benefit Period |
17 weeks |
| VISION CARE |
| Coverage |
Glasses, Contacts & Laser Eye Surgery |
| Maximum |
Each Person is eligible for $100 of benefits every 24 months, dependent Children under 18 years of age, every 12 months. |
| SPECIAL FEATURES |
| Continuation of coverage |
Upon death, health & dental coverage continues for dependents for two years without premium payments. If totally disabled for six consecutive months your Life Insurance & AD&D will be continued with no premium payments for as long as you remain disabled |
| Seasonal Benefit Coverage |
Full-time employees who are not working during the winter months can still be fully covered for up to six months with payment of premiums. |
