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Typical Benefit Plan Offering

Group Benefits Plan Offering

Typically, plans have two parts. They are the insured or pooled coverages and the Extended Health and Dental or rated coverages. Other benefits available through ASSOCIUM might include a group RRSP/TFSA plan, or an employee assistance plan (EAP).

Insured Benefits

Life, AD&D and Long Term Disability benefits are the most important benefits as they insure an employee’s income or provide money for survivors if an employee or dependent dies. The amount of the life benefits – the amount paid out when a claim is made – can be fixed or be based on income. The disability benefits are generally based on income. Insured Benefits often include:

  • Basic Life Insurance
  • Accidental Death and Dismemberment (AD&D)
  • Dependant Life
  • Long Term Disability insurance (LTD)
  • Short Term Disability (STD)
  • Critical Illness (CI)
  • Optional Life and Optional AD&D

Extended Health and Dental or Rated Benefits

These benefits help employees and their families cover the cost of health and dental care expenses not covered by provincial plans. Health coverage can include the following products and services:

  • Prescription drugs
  • Vision care
  • Private and semi-private hospital room
  • Paramedical services (massage therapy, chiropractic, physiotherapy, orthotics, etc)
  • Out of Country Coverage Travel
  • Private duty nursing

Dental coverage can include the following products and services:

  • Diagnostic (examinations, x-rays)
  • Preventative (scaling and polishing, fluoride treatment)
  • Restorative (fillings)
  • Basic oral surgery (extractions)
  • Endodontics (root canal therapy)
  • Periodontics (periodontal scaling, root planing, gum disease treatment)
  • Comprehensive oral surgery (surgery, fractures)
  • Major coverage such as caps, crowns and dentures
  • Orthodontic services
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