Provides financial assistance to the beneficiary in case of the employee’s death. Can be a flat amount or percentage of earnings.
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In the case of accidental death, provides financial assistance to a beneficiary. In the case of dismemberment, a percentage of the full benefit will be paid to the employee.
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Income replacement when employees are disabled and unable to work for an extended period of time due to injury or illness.
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To help employees and their families cope with difficult medical situations. If the employee is diagnosed with a critical illness covered by the plan, such as life-threatening cancer, stroke, or heart attack, and survives a certain period after diagnosis, a lump sum payment will be made to the employee.
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Protects the benefit plan from the risk of catastrophic healthcare costs which may include large drug claims, extended hospital stays, and private duty nursing. Attachment levels available from $5,000 and up.
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If you have a requirement for special risk coverage, we will design a solution for you. Examples include travel to high-risk destinations and unique industry risks not typically covered by traditional carriers.
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Reimburse routine visits to the dentist. Plans typically include: Basic and Preventative, Endodontic and Periodontal services. Upgrade to Major Restorative services such as bridges, crowns and/or Orthodontia.
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Major dental coverage typically includes more complex procedures like crowns, wisdom teeth removal, dentures, bridges and root canals.
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Orthodontic coverage typically includes ortho-exams, X-rays, diagnostic radiographs and casts, braces and retainers.
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Reimburse prescription requiring medications at point of sale with a pay-direct drug card. Mitigate your risks using plan maximums, adding a formulary, dispensing fee maximums and deductibles. Includes everything from your typical blood pressure medications to medical cannabis reimbursement.
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Reimbursements for visits to licensed medical practitioners such as physiotherapists, chiropractors, naturopaths, massage therapists, psychologists, etc. You have complete control of which ones you wish to include and at what level.
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A pre-determined amount of money provided to employees each benefit year for coverage of their medical and dental expenses. Eligible expenses are paid at 100% up to the total dollar amount available in the HCSA. Employees get flexibility and employers get cost control. Can be used in conjunction with a core benefits plan. Read our HCSA E-Book.
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Reimbursement for eligible eye care expenses, typically including eye examinations and prescription glasses or contacts. May include coverage for corrective laser eye surgery.
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Durable medical equipment required for treatment of acute and ongoing medical conditions (e.g. crutches, c-pap machine, custom knee brace, wheelchair, etc.)
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Reimbursement for upgrades to semi-private or private room. Plans may also include other medical facilities such as convalescent homes & substance abuse facilities.
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To help employees recuperate in the comfort of their own home.
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Income replacement when employees are disabled and unable to work for a short period of time (generally less than 17 weeks) due to injury or illness.Additional disability services are also available.
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In the event of an employee passing away you can extend coverage to the surviving family.
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Provides coverage for expenses from unexpected illness or injury while traveling out of province or country. Coverage from 1st dollar to $5 Million lifetime.
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Reduce absenteeism with virtual health care services that allow members to consult with a health care professional by secure text and video through a smartphone app in real time.
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Clients of The Benefits Trusts enjoy free access to a comprehensive HR Toolkit with over 300 forms and templates designed by HR experts.
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Get a 2nd opinion from the world’s most well-respected doctors without leaving home. Your case is matched to the most appropriate medical expert who reviews your diagnosis and treatment plan in great detail.
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Provides confidential access to counselling and consultations to help employees handle personal, psychological, family and mental health issues. Resources available to help navigate various issues including money, wellness, work-life balance, etc.
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Digital health and wellness solution to help employees become healthier through confidential personalized online health assessments, health challenges, and digital coaching.
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Real time medical intervention for complex health problems. Provides case management, guidance, expedited referrals, and advocacy for key employees, allowing them to focus on their job.
Ensure your executives are healthy and productive with proactive health solutions designed to help identify and prevent chronic disease and address everyday health concerns.
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Ensure you’re maximizing the tax opportunities available for business owners and high-wage earners including 100% reimbursement of all CRA eligible expenses.
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Protect yourself and your family from identity theft and unexpected legal matters.
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We’re constantly exploring value added services and products to add to a benefits program.
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