Group Benefit Solutions

• Employees may qualify for benefits without being totally disabled
• Employees may be able to work in a reduced capacity, with benefits
• Return-to-work and rehabilitation programs can help your employees return to work gradually or learn new skills for a different job

Select this limited² service level if you anticipate absences that will be simple and straightforward with clear outcomes and timelines for return-to-work. Services include:

• Collection and review of claim information
• Interview with you, your employee and their health care team to ensure all factors are captured
• Upfront advice about benefit entitlement, anticipated absence duration, and return-to-work date

Select this service level if you're looking for a more comprehensive claims management solution. In addition to the "Basic" services, this service level also includes:

• Ongoing assessment and claim management throughout the short-term disability period
• Regular communication with you and your employee
• Continued advice about benefit entitlement and absence duration
• Rehabilitation and return to work support, if appropriate

• Employees can return to work in a reduced capacity, and still receive benefit payments
• Rehabilitation and return-to-work programs can help employees return to work gradually or learn new skills for a different job
• Optional Spousal Disability Benefits are available
• A Survival Benefit is paid to an eligible survivor if an employee passes away while receiving benefit payments
• A cost-of-living increase helps ensure that monthly benefit payments keep pace with inflation
• Additional services like Teladoc Medical Experts and Employee Assistance Programs are standard features

• Paramedical services—covered practitioners and therapists (clinical psychologist, chiropractor, audiologist, massage therapist, dietician and more)
• Semi-private or private hospital room
• Private-duty nursing services
• Medical supplies and services such as hearing aids, orthopedic shoes and custom orthotics
• Accidental dental coverage
• Eye exams and an optional vision care benefit
• Out-of-province/country emergency medical travel insurance benefits

• Basic dental coverage only, which includes recall exams, scaling, x-rays, filings and more
• Or, basic dental coverage plus: orthodontic services and major restorative services such as inlays, crowns, veneers and dentures

Employees and their eligible dependents can use their HSA to pay for eligible health and dental expenses not reimbursed by their plan, such as:

• Eye glasses, contact lenses, laser eye surgery, dental implants, orthodontics, etc.
• Expenses due to deductibles or maximums that are outside of their regular plan coverage limits

Employees can choose to use WSA for a wide range of services and items related to living a healthy lifestyle such as:

• Fitness Equipment and Fitness Membership Fees
• Sports Fees
• Wellness and non-health professional Services
• Education and Personal Development
• Family Care

• Standard coverage includes 4 visits per family annually, with access from 7am to midnight, seven days a week
• Premium coverage includes unlimited visits with 24-hour access, seven days a week

• Essential Plan – 9 conditions covered opens new window
• Comprehensive Plan – 19 conditions covered opens new window

In addition, these other features help facilitate quick payment of claims upon diagnosis.

• No Benefit Waiting (Elimination) Period - There is no wait time between diagnosis and payment of benefits; payment is made as soon as diagnosis is given.
• No Survival Period - There is no set amount of time the insured remain alive after diagnosis in order for the benefit to paid.

• Guaranteed Issue Amount up to $75,000 - The Guaranteed Issue amount, or the amount of insurance available without having to provide personal health information, applies to all group sizes.
• No Pre-Existing Condition Exclusion – Employees will receive benefits for a covered illness, regardless of whether they have a pre-existing condition.

• Multiple Illnesses – Employees may receive benefits for each critical illness covered under the plan as long as each diagnosis is separated by at least 90 days.
• Non-invasive Cancers (Carcinoma in situ) – The insured is paid a benefit of 25% of the Guaranteed Issue Amount
• Cancer Recurrence – If a previously diagnosed cancer that was not paid under the current contract were to reoccur after the effective date, the claim would be paid as long as the insured has been symptom- and treatment-free for any consecutive 12 months.
• Waiver of Premium - Premiums are waived if the insured becomes disabled during their critical illness period.
• Optional Second Event Critical Illness Benefit and Second Evaluation Benefit Rider – this is a bundled offer that employers can add on plan for added protection at an additional cost.
• No Age Termination Option – While many critical illness insurance plans terminate at age 65 or 70, our plans include the option of no termination due to age.
• Portability – Plan members can take the coverage with them if they leave the group plan.