Why recommend group benefits?
Group benefits programs are an excellent way for you to serve the needs of your Employee.
Medical Insurance
Benefit Details:
Extended health care
– Drugs
– Professional services
– Additional services
– Vision care
– Hospital
– Health care spending account
– Lifestyle spending account
– Dental
Income replacement
Short term disability
Long term disability
Personal Benefits
Catastrophic coverage
Employee life insurance
Dependent life insurance
Accidental death and dismemberment
Critical Illness insurance
Who is eligible?
- Businesses with two to 50 employees.
- Employees must be actively working for the policyholder or any associated
company on a full-time basis at the employee’s usual place of work in Canada.
A full-time basis is a normal work schedule of at least 20 hours per week for 52
weeks per year, including paid vacation. - Various waiting periods are available ranging from nil to 12 months.
- Five employee classes available (subject to Manulife underwriting guidelines).
Employees may waive Extended Health Care and/or Dental care benefits under certain
circumstances. Valid reasons to waive EHC and/or Dental benefits include: - spousal coverage exists
- coverage exists through social assistance
- coverage exists through another and/or previous employer (i.e., severance
package, retirement package) - armed forces, reserve forces coverage
- Indian status
- Alberta Blue Cross Group 66 coverage
- union coverage
- a student has benefit coverage through university/college
- decrease in spousal coverage
- dental only: spouse works for dental office and obtains free dental services
- EHC only: if spouse is over age 65 and has coverage through RAMQ