Benefits
Coverage includes 80% of basic services (maximum $1,500 per calendar year), such as recall exams, fillings, root canal; 50% of major services (maximum $1,500 per calendar year), such as dentures, crowns; and 50% of orthodontic services (maximum $2,000 per lifetime, age 6 – 18 only). Enhanced Plan: Employees can pay an optional premium to ‘buy up’ to Enhanced Dental Care. Coverage includes 100% of basic services; 80% of major services and 2 recall exams per calendar year. The same plan maximums apply.
Long-Term Disability: (Mandatory)Employee pays 100% of premium. Cash benefits received are tax-free. Subject to approval of medical evidence by SunLife Financial. Coverage begins after 17 weeks of continuous sickness or disability. Benefit amount – 60% of your first $5,000 of monthly earnings, plus 40% of any excess amount, to a maximum of $6,000. Benefit period – to age 65. Short-Term Disability (Self-insured): The Company self-insures a Short-Term Disability plan for permanent employees who have completed one (1) year of employment and are unable to work due to verifiable, non-occupational medical cause. Subject to approval by a leading care management company. Benefit amount – 100% of weekly earnings for each year of completed service; 66 2/3% of weekly earnings for each week of disability thereafter. Maximum benefit period – 17 weeks.
Group Life Insurance: Coverage is 1 x annual earnings to a maximum benefit of $200,000. Extended Health coverage will continue to the spouse and eligible dependents for one (1) year. Dependent Life Insurance: Coverage is $5,000 for spouse; $2,500 each dependent child. Optional Life Insurance – Employee & Spouse: Optional (At Employee’s Expense). Coverage available in units of $10,000 to a maximum (combined) benefit of $500,000 (for you and/or your spouse). Approved by Underwriter.
Extended Health Coverage: Coverage includes 80% (lowest cost generic drugs available); semi-private room accommodation; private duty nursing; paramedical services (including chiropractor, podiatrist, etc.); orthotics, vision care, eye exams and other medical services. Annual and per visit maximums apply. Global Medical Assistance coverage.
