Catastrophic Benefits
Group Life Insurance
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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Accidental Death & Dismemberment (AD&D)
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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Long-Term Disability (LTD)
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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Critical Illness (CI)
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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Excess Medical Stop Loss Insurance Coverage
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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Special Risk Insurance Coverage
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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Routine Benefits
Routine Dental
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
Major dental coverage typically includes more complex procedures like crowns, wisdom teeth removal, dentures, bridges and root canals.
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Orthodontia
Orthodontic coverage typically includes ortho-exams, X-rays, diagnostic radiographs and casts, braces and retainers.
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Prescription Drugs
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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Paramedical
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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Healthcare Spending Account (HCSA or HSA)
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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Vision Care
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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Medical Aids and Appliances
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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Hospital Care
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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Nursing Care
To help employees recuperate in the comfort of their own home.
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Short-Term Disability (STD)
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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Survivor Benefits
In the event of an employee passing away you can extend coverage to the surviving family.
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Medical & Other Services
Out of Country Coverage (OOC) and Supplementary Travel Assist
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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Digital Health
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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HR Resource
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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2nd Opinion on Medical Diagnoses
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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Employee Assistance (EAP)
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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Employee Wellness
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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Concierge Healthcare
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.
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Comprehensive Executive Medicals
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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Executive Benefits Plan
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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Future Building Blocks
We’re constantly exploring value added services and products to add to a benefits program.
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