Required Number of Hours. ▪ same as Major Medical Dental Fee Guide ▪ current in province of residence Deductibles Single Family ▪ nil ▪ nil Coinsurance ▪ Part I Preventive ▪ Minor Restorative ▪ Part II Major Restorative ▪ Part III Orthodontic ▪ 100% ▪ 100% ▪ 50% ▪ 50% (Eligible Dependent Children only) Orthodontic Dependent Children Age Basis ▪ under 19 years old Benefit Maximum ▪ Part I – unlimited ▪ Part II - $1,500/year ▪ Part III - $2,500 lifetime Recall Exam ▪ 6 months X-Rays ▪ bitewing – once every 6 months ▪ full mouth – once every 24 months
Required Number of Hours. ▪ as per the Collective Agreement Deductible ▪ $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ unlimited Coinsurance ▪ Drugs ▪ Hospital ▪ Vision ▪ Other Eligible Expenses ▪ 100% ▪ 100% ▪ 100% ▪ 80% professional and paramedical services ▪ 100% for all other expenses ▪ Drug Features ▪ drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ pay direct drug card ▪ includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy mark-up and dispensing fee maximums by province ▪ Hospital Room ▪ private or semi private ▪ Nursing Care ▪ max $25,000 per person every 3 years ▪ Paramedical – Acupuncture – Chiropractor – Osteopath – Massage Therapist – Naturopath – Physio-therapist – Podiatrist – Psychologist/Social Worker – Speech Therapist ▪ 80% paramedical services to applicable maximum ▪ max of $500 per person per year ▪ max of $500 per person per year ▪ max of $500 per person per year* ▪ max of $500 per person per year ▪ max of $500 per person per year* ▪ max of $500 per person per year ▪ max of $500 per person per year* ▪ max of $1,500 per person per year (effective Oct., 01, 2017) ▪ max of $500 per person per year ▪ Vision Care ▪ max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ one eye exam every 2 calendar years (reasonable and customary costs) ▪ Hearing Aids ▪ xxx of $300 per person in any 5 consecutive calendar years ▪ Other ▪ nursing home accommodation – max $20 a day ▪ ambulance services to and from the nearest appropriate medical care ▪ medical supplies and services to specified maximums ▪ accidental dental treatment within 6 months of the accident ▪ extra care (wigs or hairpieces up to $500 lifetime per person) ▪ Emergency Out-of-Country ▪ emergency medical services ▪ referral treatment ▪ max of $5 million lifetime per person Plan Features ▪ Travel Assistance ▪ included * Less any amount paid by the government plan Dental Premium Cost Sharing ▪ as per the Collective Agreement Waiting Period ▪ same as Major Medical Participation Basis ▪ same as Major Medical
Required Number of Hours. ▪ Same as Major Medical Dental Fee Guide ▪ Current in province of residence Deductibles Single ▪ Nil Family ▪ Nil Coinsurance ▪ Part I Preventive ▪ 100% ▪ Minor Restorative ▪ 100% ▪ Part II Major Restorative ▪ 50% ▪ Part III Orthodontic ▪ 50% (Eligible Dependent Children only) Orthodontic Dependent Children Age Basis ▪ Under 19 years old Benefit Maximum ▪ Part I – unlimited ▪ Part II - $1,500/year ▪ Part III - $2,500 lifetime Recall Exam ▪ 6 months X-Rays ▪ Bitewing – once every 6 months ▪ Full mouth – once every 24 months Long Term Disability Premium Cost Sharing ▪ As per the Collective Agreement Waiting Period ▪ Same as Major Medical Participation Basis ▪ Employee coverage: compulsory ▪ Dependent coverage: not applicable Required Number of Hours ▪ Same as Major Medical Benefit Formula ▪ Less than 4 years of service: 66 2/3% of pre-disability earnings Plan Features ▪ 4 years of service or more: 75% of pre-disability earnings Maximum Benefit ▪ $15,000 a month without Evidence of Insurability, $23,000 a month with satisfactory Evidence of Insurability as per Manulife. Qualifying Period ▪ 15 weeks or expiration of sick leave credits whichever is greater All Source Maximum ▪ 80% of gross pre-disability earnings Definition of Disability ▪ 2 years own occupation as per Manulife Indexation of Benefits ▪ No Pre-existing Condition Clause ▪ Yes Basic Life Insurance Premium Cost Sharing ▪ As per the Collective Agreement Waiting Period ▪ Same as Major Medical Participation Basis ▪ Employee coverage: compulsory ▪ Dependent coverage: not applicable Required Number of Hours ▪ Same as Major Medical Benefit Formula ▪ 1.5x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 Reduction Formula ▪ Employee at age 65: coverage immediately reduces at age 65 & on each anniversary thereafter to the following percentage of original amount: 85% at age 65 70% at age 66 55% at age 67 40% at age 68 25% at age 69 Maximum Benefit ▪ Without evidence: $600,000 ▪ With evidence: $1,000,000 ▪ Combined maximums with Optional Life Optional Life Insurance Premium Cost Sharing ▪ As per the Collective Agreement Waiting Period ▪ Same as Major Medical Participation Basis ▪ Employee coverage: not compulsory ▪ Dependent coverage: not applicable Required Number of Hours ▪ Same as Major Medical Benefit Formula ▪ 1x or 2x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 Maximum Benefit ▪ Without evidence: $600,000 ▪ With evidenc...
Required Number of Hours. Full-time employee - 37.5 hour(s) per week Evidence of Insurability Medical evidence is required when you apply for insurance in excess of the Non-Evidence Limit. Medical evidence is also required for all benefits, when you make a Late Application for insurance on any person.
Required Number of Hours. ▪ same as Major Medical Dental Fee Guide ▪ current in province of residence Deductibles Single ▪ nil Family ▪ nil Coinsurance ▪ Part I Preventive ▪ 100% ▪ Minor Restorative ▪ 100% ▪ Part II Major Restorative ▪ 50% ▪ Part III Orthodontic ▪ 50% Orthodontic Dependent Children Age Basis ▪ under 19 years old Benefit Maximum ▪ Part I – unlimited ▪ Part II - $1,500/year ▪ Part III - $2,000 lifetime Recall Exam ▪ 6 months X-Rays ▪ bitewing – once every 6 months ▪ full mouth – once every 24 months
Required Number of Hours. Full-time employee per week Medical evidence is required for all benefits, except Dental, when you make a Late Applicationfor coverage on any person. Medical evidence is requiredwhen you apply for coverage in excess of the Non-Evidence Limit.
Required Number of Hours. Full-time employee - 25 hour(s) per week. Affiliated Companies XxXxxx’x By-Products Ltd. Evidence of Insurability Medical evidence is required when you apply for insurance in excess of the Guaranteed Issue Limit. Medical evidence can be submitted by completing the Evidence of Insurability form (Form #GL0004E), available from your Plan Administrator. Further medical evidence may be requested by Manulife Financial. Effective Date of Coverage • If Evidence of Insurability is not required, your Group Benefits will be effective on the date you are eligible. • If Evidence of Insurability is required, your Group Benefits will be effective on the date the evidence is approved by Manulife Financial. (You must be actively at work for insurance to become effective.) XxXxxx’x By-Products 2010-2012 Your dependent’s insurance becomes effective on the date the dependent becomes eligible, or the date any required evidence of insurability on the dependent is approved by Manulife Financial, whichever is later. XxXxxx’x By-Products 2010-2012 Your dependent’s insurance will not be effective prior to the date your insurance becomes effective.
Required Number of Hours same as Major Medical Dental Fee Guide ▪ c... urrent in province of residence
Required Number of Hours. ⬝ Same as Major Medical. Dental Fee Guide ⬝ Current in province of residence. Deductibles ⬝ Single: nil. ⬝ Family: nil. Coinsurance: ⬝ Part I Preventative ⬝ Minor Restorative ⬝ Part II Major Restorative ⬝ Part III Orthodontic ⬝ 100%. ⬝ 100%. ⬝ 50%. ⬝ 50% (Eligible Dependent Children Only). Orthodontic Dependent Children Age Basis ⬝ Under 19 years old. Benefit Maximum ⬝ Part I: unlimited. ⬝ Part II: $1,500 per year. ⬝ Part III: $2,500 lifetime. Recall Exam ⬝ 6 months.
Required Number of Hours. same as Major Medical Dental Fee Guide current in province of residence Deductibles Single Family nil nil Coinsurance Part I Preventive 100% Minor Restorative 100% Part II Major Restorative 50% Part III Orthodontic 50% (Eligible Dependent Children only) Orthodontic Dependent Children Age Basis under 19 years old Benefit Maximum Part I – unlimited Part II - $1,500/year Part III - $2,500 lifetime Recall Exam 6 months
