Feature | ||||
Waiting Period | 90 days | |||
Annual deductible | None | |||
Coverage Termination | Retirement | |||
Covered Expenses* | Core group benefits plan | Enhanced group benefits plan | ||
Hospital | 100% coverage for semi-private room | |||
Prescription drugs (DTF)** | Managed prescription drugs
| Managed prescription drugs
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Vision Care |
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Out-of-province/Canada Medical Emergency |
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Medical supplies and services |
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Orthopedic Appliances | 2 pairs per calendar year | |||
Orthopedic Shoes | 1 pair per calendar year | |||
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Private duty nursing | $10,000 per calendar year | $25,000 per calendar year | ||
Hearing Aids | $500 every 5 calendar years | |||
80% | 100% | |||
Paramedical PractitionersOsteopath, Podiatrist, Chiropractor, Naturopath, Massage Therapist, Physiotherapist, Speech Therapist, Acupuncturist | $500 per practitioner per calendar year up to $1,000 combined | $1,500 combined per calendar year | ||
Mental Health Practitioners***Clinical Counsellor, Marriage and Family Therapist, Psychoanalyst, Social Worker, Psychotherapist and Psychologist | $1,000 per calendar year for all mental health practitioners combined | $1,000 per calendar year for all mental health practitioners combined |
80% | 100% |
Feature | ||
Waiting Period | 90 days | |
Deductible | None | |
Coverage Termination | Retirement | |
Dental Fee Guide | Current guide for general practitioners and specialists based on province in which services are rendered (same as current coverage) | |
Covered Expenses* | Core group benefits plan | Enhanced group benefits plan |
Basic and Preventative Services | 100% to a maximum of $2,000 per calendar year combined with Dentures and Major | 100% to a maximum of $1,500 per calendar year |
Dentures and Major Restorative Services | 50% to a maximum of $2,000 per calendar year combined with Basic and Preventative | 60% to a maximum of $3,000 per calendar year |
Orthodontics (child and adult) | 50% to a lifetime maximum of $1,500 | 50% to a lifetime maximum of $3,000 |
* Reasonable and customary limits apply | ||
**If you are a Quebec resident, your prescription drug coverage will be subject to and coordinate with RAMQ and other provincial regulations and some coverages are not applicable. | ||
*** Contact Manulife to confirm coverage amounts in your province |
Benefit Details | Benefit Plan |
Cost Sharing | 100% Employer Paid |
Coverage | Replaces 66.7% of weekly earnings |
Qualifying Period | 7 calendar days |
Maximum Benefit Period | 16 weeks |
Waiting period | 90 calendar days |
Taxable to the Employee | Yes |
Definition of disability | Employee is unable to complete own occupation due to illness or not work-related injury |
Coverage Termination | Age 70 or retirement, whichever is earlier |
Benefit Details | Benefit Plan |
Cost Sharing | 100% Employee Paid |
Coverage* | Replaces 50% of monthly earnings |
Maximum Benefit | $5,000 |
Qualifying Period | 17 weeks |
Taxable to the Employee | No |
Definition of disability | Employee is unable to complete own occupation for 2 years followed by the inability to complete any other job thereafter |
Maximum Benefit Period | 10-year maximum limit, or age 65 less the qualifying period, or retirement, whichever is earlier |
Coverage Termination | 10-year maximum limit, or age 65 less the qualifying period, or retirement, whichever is earlier |
Basic Life Insurance | 1 x annual earnings, max of $1,000,000 |
Basic Accidental Death & Dismemberment | 1 x annual earnings, max of $1,000,000 |
Basic Business Travel AD&D | 1 x annual earnings, max of $500,000 |
Tuition Assistance Program | 50% of tuition, registration fees and books for approved courses per calendar year
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Retirement |
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RRSP | Personal contribution |
Employee Stock Purchase Plan | Personal contribution – 15% stock savings |
Jury/Witness Duty | Employer pays the difference between per diem as a juror and regular earnings when employee has jury duty during regular work schedule. |
Bereavement Leave Paid Benefit ** | Up to 5 paid days, after 90 days of service |
Sick/Family Responsibility Leave Paid Benefit ** | 24 paid hours annually, after 1 year of service. |
Sick/Family Responsibility Leave Paid Benefit for British Columbia | 5 instances annually, after 90 days of service |
Vacation rate** |
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Vacation Bonus Day | Maximum of 1 vacation bonus day per period (December 15 to March 15). The associate must take a minimum of 5 consecutive vacation days to qualify. |
Float days | Float days after 1 year of service Float days + stat holidays = 10 days holidays for each province |
** If applicable statutory entitlements provide for a greater leave (paid or unpaid), the greater right will be applied. Leaves entitlements (paid or unpaid) as provided above, are inclusive of, and will be deducted from any statutory leave entitlements |