Plan Details

Basic Plan Hybrid Plan All-Inclusive Plan
Eligibility All EE's work a minimum of 20 hours per week
Waiting Period 3 month waiting period
Life Insurance
Benefit Amount Flat $10,000 Flat $50,000 1X Annual Salary
Accidental Death & Dismemberment (AD&D)
Benefit Amount Flat $10,000 Flat $50,000 1X Annual Salary
Dependent Life Insurance
Spouse - $10,000 $10,000
Child - $5,000 $5,000
Long Term Disability (LTD)
Schedule - - 66.67% of first $3,000 and 50% of the balance
Elimination Period - - 16 weeks
Benefit Period - - To Age 65
Tax Status - - Non Taxable
Critical Illness (CL)
Amount - - -
Extended Health Care (EHC)
Prescription Drugs
Plan Type Mandatory Generic Mandatory Generic Mandatory Generic
Deductible Employee Pays Dispensing Fee None None
Co-insurance 80% 80% 100%
Maximum $2500 Unlimited Unlimited
Major Medical
Co-insurance 80% 80% 100%
Hospitalization
Co-insurance 100% 100% 100%
Coverage Type Semi-Private Semi-Private Semi-Private
Out of Country/Out of Province
Co-insurance 100% 100% 100%
Paramedical Services
Co-insurance - 80% 100%
Maximum per calendar year - $300 Per Practitioner No Doctor Referral $500 Per Practitioner
No Doctor Referral Required
Vision Care
Co-insurance 80% 80% 100%
Coverage Type Eye Examination only; Does NOT include Eyewear Includes Eyewear
$200 Every 24 months
Includes Eyewear
$300 Every 24 months
Dental
Deductible $0 $0 $0
Recall Examination Every 9 Months Every 9 Months Every 9 Months
Basic & Preventative 80% Co-insurance 80% Co-insurance 100% Co-insurance
Maximum $1,000 $1,500 $1,500
Major Dental - - -
Maximum - - -
Health Care Spending Account (HCSA)
Flexible Amount Flexible Amount Flexible Amount