Did you know that you can purchase an employee benefit plan for as few as One Employee?

We use a Third Party Administrator (TPA) for these benefits. For Ontario based companies only. Rates are subject to change January 1st each year.

If you would like a quotation for this benefit go to Get a Quote.

Eligibility Requirements:

• Only permanent employees who are actively working a minimum of 24 hours per week
• Applicant's business must be established and active for a minimum of one year
• All benefits are subject to medical underwriting and all employees must complete a Medical Questionnaire
• Some occupations are not eligible for LTD coverage due to nature of risk

Mandatory Benefits:

• Life insurance $25,000
• AD&D $50,000
• Dependents Life Spouse $5,000 Child $2,500 (only applicable if applying for family coverage)
• Extended Health Care Benefits

1. 80% Co-insurance, Survivor Benefit 6 months
2. Prescription Drug Plan, $2,000/yr./person, drug card provided
3. Practitioners, $400/yr./practitioner (Chiropractor- $20/visit)
4. Eye Exams, 1exam/24months ($50 maximum)
5. Out of Province/Canada, 60 days/100% co-insurance, $2M maximum, Emergency only
6. More benefits not listed above and some exclusions

Optional Benefits:

Basic & Preventative Dental Care

1.  80% co-insurance, based on the current year's Dental Fee Guide
2.  Maximum $1,000 per calendar year, per person.
3.  Recall not more than once every 9 months
4.  Includes routine oral examinations, bi-tewing x-rays,scaling,polishing, floride applications,fillings,   space maintainers, extractions, denture repairs, endodontics and periodontics

Long Term Disability

1.  60% of monthly insured earnings to maximum of $2,000 per month, to earliest of recovery,    retirement, or   expiry at age 65
2.  LTD payable after satisfying a 119 day (17 week) elimination period
3. One year own occupation definition
4. If non-taxable LTD benefit is desired, all employees must pay 100% of LTD premiums and applicable taxes