Your benefits at a glance
| Employee Life | |||
|---|---|---|---|
| Option 1 | Option 2 | Option 3 | |
| Coverage | $25,000 flat amount | 1 times annual earnings | 1.5 times annual earnings |
| Non-evidence Limit | $25,000 | $750,000 | $750,000 |
| Maximum Benefit | $25,000 | $750,000 | $750,000 |
| Reduction | Benefit reduces by 50% at attainment of age 65 | Benefit reduces by 50% at attainment of age 65 | Benefit reduces by 50% at attainment of age 65 |
| Termination Age | Earlier of attainment of age 75 or retirement | Earlier of attainment of age 75 or retirement | Earlier of attainment of age 75 or retirement |
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive Option 1 coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Accidental Death & Dismemberment | |||
|---|---|---|---|
| Option 1 | Option 2 | Option 3 | |
| Coverage | Equal to Employee Life amount if death is accidental or 2 x employee life amount for paralysis (Quadriplegia, Paraplegia, Hemiplegia) | Equal to Employee Life amount if death is accidental or 2 x employee life amount for paralysis (Quadriplegia, Paraplegia, Hemiplegia) | Equal to Employee Life amount if death is accidental or 2 x employee life amount for paralysis (Quadriplegia, Paraplegia, Hemiplegia) |
| Additional Coverage | Included for Loss of Limbs, Loss of use, etc. | Included for Loss of Limbs, Loss of use, etc. | Included for Loss of Limbs, Loss of use, etc. |
| Non-evidence Limit | $25,000 | $750,000 | $750,000 |
| Maximum Benefit | $25,000 | $750,000 | $750,000 |
| Reduction | Benefit reduces by 50% at attainment of age 65 | Benefit reduces by 50% at attainment of age 65 | Benefit reduces by 50% at attainment of age 65 |
| Termination Age | Earlier of attainment of age 71 or retirement | Earlier of attainment of age 71 or retirement | Earlier of attainment of age 71 or retirement |
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive Option 1 coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Dependent Life | |||
|---|---|---|---|
| Option 1 | Option 2 | Option 3 | |
| Coverage | Spouse $5,000 Child $2,500 |
Spouse $10,000 Child $5,000 |
Spouse $20,000 Child $10,000 |
| Termination Age | Earlier of attainment of age 75 or retirement | Earlier of attainment of age 75 or retirement | Earlier of attainment of age 75 or retirement |
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive Option 1 coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Optional Accidental Death & Dismemberment (VAD) | |||
|---|---|---|---|
| Coverage | Available in units of $10,000 covering employee Spouse is covered at 50% of the employee’s amount Children are covered at 10% of the employee’s amount |
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| Maximum | $500,000 (50 units) | ||
| Termination Age | Earlier of Employee’s age 71 or retirement | ||
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive no coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Optional Employee Life | |||
|---|---|---|---|
| An Evidence of Insurability form will have to be completed to qualify for this coverage. | |||
| Coverage | Units of $10,000 | ||
| Maximum | $500,000 (50 units) | ||
| Termination Age | Earlier of Employee’s age 65 or retirement | ||
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive no coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Dependent Optional Life | ||||
|---|---|---|---|---|
| An Evidence of Insurability form will have to be completed to qualify for spousal optional life coverage. | ||||
| Coverage | Spouse Units of $10,000 Child Units of $5,000 |
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| Maximum | Spouse $500,000 (50 units) Child $20,000 (4 units) |
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive no coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Long Term Disability | ||||
|---|---|---|---|---|
| Option 1 | Option 2 | Option 3 | Option 4 | |
| Tax Implications | Benefit is taxable | Benefit is non taxable | Benefit is non taxable | Benefit is non taxable |
| Benefit | 50.0% of monthly earnings | 55.0% of monthly earnings | 60.0% of the first $2,500 of monthly earnings, 50% thereafter | 67.0% of the first $2,500 of monthly earnings, 50% thereafter |
| Non-evidence Limit | $1,000 | $7,500 | $7,500 | $7,500 |
| Maximum Benefit | $1,000 | $7,500 | $7,500 | $7,500 |
| Elimination Period | 182 days | 119 days | 119 days | 119 days |
| Definition of Disability | Unable to do any occupation | Unable to do own occupation for 2 years | Unable to do own occupation for 2 years | Unable to do own occupation for 2 years |
| Maximum Benefit Period | 2 years | 5 years | To age 65 | To age 65 |
| Termination Age | Earlier of attainment of age 65 less qualifying period, or retirement | Earlier of attainment of age 65 less qualifying period, or retirement | Earlier of attainment of age 65 less qualifying period, or retirement | Earlier of attainment of age 65 less qualifying period, or retirement |
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive Option 1 coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Extended Health Care | ||||
|---|---|---|---|---|
| Option 1 | Option 2 | Option 3 | Option 4 | |
| Overall Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
| Overall Deductible | None | None | None | None |
| Reimbursement | Varies by benefit | Varies by benefit | Varies by benefit | Varies by benefit |
| Survivor Extended Benefits | Up to 2 years | Up to 2 years | Up to 2 years | Up to 2 years |
| Termination Age | At retirement | At retirement | At retirement | At retirement |
| Dependent Eligibility | Eligible child dependents can be covered until the age of 21 (or 26 if a full-time student) | |||
| Covered Expenses * | ||||
| Vision | Not included | 50% reimbursement, Prescription eye glasses, contact lenses and laser eye surgery $150 per 24 months, 1 eye exam per 24 consecutive months |
100% reimbursement, Prescription eye glasses, contact lenses and laser eye surgery $300 per 24 months 1 eye exam per 24 consecutive months |
100% reimbursement, Prescription eye glasses, contact lenses and laser eye surgery $350 per 24 months 1 eye exam per 24 consecutive months |
| Hospital Coverage | 100% coverage, Semi – Private room |
100% coverage, Semi – Private room |
100% coverage, Semi – Private room |
100% coverage, Semi – Private room |
| Accidental Dental | 100% coverage | 100% coverage | 100% coverage | 100% coverage |
| Out-of-province/ Canada Medical Emergency | Lifetime maximum of $5,000,000, 60 day trip duration |
Lifetime maximum of $5,000,000, 60 day trip duration |
Lifetime maximum of $5,000,000, 60 day trip duration |
Lifetime maximum of $5,000,000, 60 day trip duration |
| Out-of-Canada Referral | Not Included | 50% reimbursement, $3,000 per 3 calendar years maximum | 50% reimbursement, $3,000 per 3 calendar years maximum | 50% reimbursement, $3,000 per 3 calendar years maximum |
| Emergency Travel Assistance | Included | Included | Included | Included |
| Private Duty Nursing | 100% reimbursement, $5,000 per calendar year | 100% reimbursement, $10,000 per calendar year | 100% reimbursement, $10,000 per calendar year | 100% reimbursement, $12,000 per calendar year |
| Hearing Aids | Not Included | 80% reimbursement, $700 per 5 calendar years | 90% reimbursement, $700 per 5 calendar years | 100% reimbursement, $700 per 3 calendar years |
| Orthopedic Shoes and Orthotics | Not Included | 80% reimbursement, $300 per calendar year combined maximum | 90% reimbursement, $300 per calendar year combined maximum | 90% reimbursement, $300 per calendar year combined maximum |
| Acupuncturist Chiropractor Dietician Naturopath Massage Therapist Speech Therapist Osteopath Physiotherapist Podiatrist/ Chiropodist Athletic Therapy Social Worker Audiologist | Not Included | 80% reimbursement, to a combined maximum of $500 per calendar | 90% reimbursement, to a combined maximum of $1000 per calendar | 100% reimbursement, to a maximum of $750 per calendar year per practitioner |
| Psychologist, Cognitive Behavioral Therapy (CBT) | Not Included | 80% reimbursement, to a maximum of $500 per calendar year | 90% reimbursement, to a maximum of $500 per calendar year | 100% reimbursement, to a maximum of $750 per calendar year |
| Other Medical Services and Supplies | Not Included | 80% reimbursement, Support Stockings 2 pair per calendar year Surgical Brassieres 4 per calendar year Wigs $250 per lifetime Other Medical Supplies reimbursed at 80% |
90% reimbursement, Support Stockings 2 pair per calendar year Surgical Brassieres 4 per calendar year Wigs $250 per lifetime Other Medical Supplies reimbursed at 90% |
100% reimbursement, Support Stockings 2 pair per calendar year Surgical Brassieres 4 per calendar year Wigs $500 per lifetime Other Medical Supplies reimbursed at 100% |
| * The expenses specified are covered to the extent that they are reasonable and customary, as determined by Canada Life or your employer. | ||||
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive Mandatory Option 2, Single health coverage If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Prescription Drug Coverage | ||||
|---|---|---|---|---|
| Option 1 | Option 2 | Option 3 | Option 4 | |
| Overall Maximum | $25,000 per person per Calendar Year | Unlimited | Unlimited | Unlimited |
| Overall Deductible | None | None | None | None |
| Termination Age | At retirement | At retirement | At retirement | At retirement |
| ManuScript Pay-direct Drug Card | Included | Included | Included | Included |
| Dispensing Fee Maximum | Reasonable and Customary | Reasonable and Customary | Reasonable and Customary | Reasonable and Customary |
| Dynamic Therapeutic Formulary (DTF) | Included | Included | Included | Included |
| Prescription Drugs legally requiring a prescription and subject to mandatory generic substitution. Smoking Cessation covered at a $400 Lifetime Maximum Preventative Vaccines covered |
0% paid until $5,000 per calendar year paid out of pocket then drugs paid at 100% of the Dynamic Therapeutic Formulary (DTF) 80% for non-DTF drugs |
Paid based on the Dynamic Therapeutic Formulary (DTF) at 70%/50% for non-DTF drugs If paid at a preferred Provider Network reimbursed at 80% of the Dynamic Therapeutic Formulary (DTF)/ 60% for non-DTF drugs |
Paid based on the Dynamic Therapeutic Formulary (DTF) at 80%/60% for non-DTF drugs If paid at a preferred Provider Network reimbursed at 90% Dynamic Therapeutic Formulary (DTF)/ 70% for non-DTF drugs |
Paid based on the Dynamic Therapeutic Formulary (DTF) at 100%/80% for non-DTF drugs |
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive Mandatory Option 3, Single drug coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. RAMQ COMPLIANCY The Régie de l’assurance maladie du Quebec (RAMQ) requires that all employees and their dependants who are eligible for group benefits under a private plan, have a minimum level of drug insurance coverage. If you select Decline Coverage, or do not cover all eligible dependants you must complete and submit a Declaration of Existing Drug Coverage on-line |
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| Dental | ||||
|---|---|---|---|---|
| Opt Out | Option 1 | Option 2 | Option 3 | |
| Deductible | No Coverage | None | None | None |
| Dental Fee Guide | Current fee guide for General Practitioners in province of residence | Current fee guide for General Practitioners in province of residence | Current fee guide for General Practitioners in province of residence | |
| Termination Age | At retirement | At retirement | At retirement | |
| Dependent Eligibility | Eligible child dependents can be covered until the age of 21 (or 26 if a full-time student) | |||
| Survivor Extended Benefits | Up to 2 years | Up to 2 years | Up to 2 years | |
| Recall Examination Frequency | Once every 9 months | Once every 6 months | Once every 6 months | |
| Covered Expenses * | ||||
| Basic & Preventive Services | No Coverage | 80% reimbursement | 90% reimbursement | 100% reimbursement |
| Major Services | Not Included | Not Included | 50% reimbursement | |
| Orthodontics (Children under age 19) | Not Included | Not Included | 50% reimbursement | |
| Annual maximum | $1,000 per calendar year | $1,500 per calendar year | $1,500 per calendar year for Basic & Preventive Services & Major Restorative combined $4,000 per lifetime for Orthodontics |
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| * The expenses specified are covered to the extent that they are reasonable and customary, as determined by Canada Life or your employer. | ||||
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive no dental coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| Optional Critical Illness (CI) (Employee and Spouse) | ||||
|---|---|---|---|---|
| Note: You and/or your spouse must complete an Evidence of Insurability form to qualify for coverage over $50,000. | ||||
| Benefit Level | Comprehensive | |||
| Minimum Benefit Amount | $10,000 Additional amounts available in units of $5,000 |
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| Maximum Benefit Amount | $150,000 | |||
| Termination | Earliest of: Employee: death, retirement, at age 65, CI Benefit Payout Spouse: death, employee’s death, employee’s retirement, spouse’s age 65, CI Benefit Payout |
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| Special Notes | CI coverage is subject to a 24 month pre-existing conditions clause and other exclusions. The covered conditions have formal definitions that must be met in order to qualify for the benefit payment. Please refer to the CI brochure and CI Definitions available under the Forms and Brochures section of this site. |
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| Optional Child Critical Illness | ||||
| Benefit Level | Comprehensive (19 covered conditions) | |||
| Benefit Amount | $10,000 | |||
| Non-Evidence Maximum | $10,000 | |||
| Termination | Earliest of: employee’s death, employee’s retirement, employee’s age 65, when the child no longer qualifies as a dependent, CI Benefit Payout | |||
| Special Notes | CI coverage is subject to a 12 month pre-existing conditions clause and other exclusions. The 15 covered conditions have formal definitions that must be met in order to qualify for the benefit payment. |
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DEFAULT COVERAGE: If you are a new hire — you must sign up by the deadline or you will receive no coverage. If you are an existing employee — you must sign up during the annual sign up period. If you don’t, you will keep your current coverage choices. |
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| The purpose of this summary is to outline the benefits for which you are eligible under the Plan. The information in this document is a summary of the provisions within your benefit plan. Please refer to the Canada Life Benefits Booklet for further information on your coverage as well as eligibility, exclusion and limitation requirements. In the event of a discrepancy between this summary and the booklet, the terms of the booklet will first apply with the formal plan or policy documents taking precedence over all. |
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