Health Plan Benefits
The following health benefits are subject to any co-insurance or maximum shown in the specific plan design you and your employees choose. Internal maximums may apply.
 Extended Health
  • Ambulance Services
  • Private/Semi-Private Hospital Rooms
  • Eye Examinations
  • Private Duty Nursing
  • Accidental Dental
  • Medical Equipment (Wheelchairs, Manual Hospital Beds, Oxygen Equipment Rental)
  • Prosthetic Appliances
  • Diabetic Equipment
  • Diabetic Supplies
  • Ostomy Supplies
  • Hearing Aids
  • Orthopaedic Shoes
  • Psychologists
  • Paramedical/Medical Practitioners (Chiropractor, Physiotherapist, Massage Therapist)
  • Out-of-Canada Referral
Prescription Drugs 
  • Prescribed drugs allowed under various formulary types
  • Maximum per Basic Health Plan choices
Vision Care
  • Eyeglasses/Contact Lenses
  • Visual Training and Remedial Eye Exercises
  • Laser Eye Surgery

Travel Out of Province 

  • Emergency medical benefits
  • Up to $5,000,000 in coverage to protect employees and their dependents for business or vacation travel
  • Worldwide Travel Assistance: 24-hour rapid response and medical assistance worldwide    
Dental Benefits  
  • Basic Dental Services: cleanings, checkups, extractions, fillings, denture repair, root canals and gum treatment
  • Major Dental Services: bridges, crowns and dentures
  • Orthodontic Services: prevention or correction of irregularities of the natural teeth for eligible dependent children

Life Benefits 

Life Insurance: a lump sum to the employee’s named beneficiary in the event of death

Accidental Death and Dismemberment Insurance: a lump sum to cover the loss associated with accidental death or dismemberment

Critical Illness Insurance: a cash lump sum to help an injured person cope with a severe critical illness or condition such as Multiple Sclerosis, severe heart attack, blindness, severe stroke, deafness, Alzheimer’s disease, severe burns, coma, life-threatening cancer

Disability Benefits 

Short-term disability is provided on a temporary basis and paid out weekly if you are injured as a result of an accident or sudden illness. Time off for day surgeries where one is admitted to a hospital may also be covered

  • Not taxable
  • Payment based on a percentage of weekly earnings   

Long-term disability is available when you have been injured off the job and have not recovered in the prior short-term disability period. These benefits can be payable up to age 65 if you cannot work in your own occupation after two years of disability.

  • Not taxable
  • Payment based on a percentage of monthly earnings



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