Diversity Plan Description

 

RATES ARE GUARANTEED FOR 2 YEARS

 

100% Fully Pooled Plan

 

 

ELIGIBILITY:

  • No industry excluded
  • Minimum of 3 employees must be enrolled at all times
  • No “family content” restrictions
  • Employees must work a minimum of 24 hours per week
  • 100% of eligible employees must participate in the plan; employees covered through their spouse can
    • select Single coverage
  • Dependent children are eligible for coverage until their 21st birthday
  • Coverage is available to active employees until age 70
  • Employees participating in Diversity Enhanced plan require a minimum salary of $25,000 per calendar year
  • Employees participating in Diversity Enhanced plan and earning a minimum salary of $45,000 annually
    can select an Optional $1,000 of Long Term Disability coverage
 BENEFIT / FEATURE BASIC PLAN  ENHANCED PLAN
   
 Life Insurance  $25,000  $50,000
 AD&D  $25,000  $50,000
 
Critical Illness Feature $1,000 single payment-lifetime $1,500 single payment-lifetime
     
 Long Term Disability
 Monthly Benefit  $750 per month  $1,500
    Waiting period  120 days  120 days
    Maximum payout  5 years  5 years
    Definition of disability  5 year own occupation  5 year own occupation
    Benefit Offsets  None  Primary CPP, WCB, EI, Auto Ins.
   
  Extended Health
Maximums apply individually to each employee and dependent
Maximums will be reduced by 50% in the first policy year for groups with an effective date from July 1 through to December 1.  (Not applicable to Extended Health Benefit – “Other Services” shown below
 Reimbursement
(applies to Drugs, Paramedical Services & Medical Supplies)		 80%  90%
 Drugs – deductible equal to the dispensing fee applies  $5,000/person /calendar year  $10,000/person/calendar year
 Paramedical Practitioners Group 1
Chiropractors, Physiotherapists, Massage Therapists, Acupuncturists – combined maximum of $400 per
calendar year		 Group 1
Chiropractors, Physiotherapists, Massage Therapists,
Acupuncturists – combined maximum of $500 per
calendar year
Group 2
Osteopaths, Chiropodists or Podiatrists, Naturopaths, Psychologists, Speech Therapists, Dieticians, Audiologists, Ophthalmologists or Optometrists – combined maximum of $400
per calendar year		 Group 2
Osteopaths, Chiropodists or Podiatrists, Naturopaths, Psychologists, Speech Therapists, Dieticians, Audiologists, Ophthalmologists or Optometrists
– combined maximum of $500
per calendar year
 Medical Services & Supplies  $1,500/calendar year combined  $2,000/calendar year combined
   
  Extended Health - Other Services
 Reimbursement  100%  100%
 Ambulance (Ground)  $500 per calendar year  $500 per calendar year
 Hospital, Semi-Private  $500 per calendar year  $1,000 per calendar year
 Emergency Out of Country  30 day trip limit-$1,000,000  30 day trip limit-$1,000,000
   
  Vision Care
 Reimbursement  Not available  100%
 Frames, Lenses & Contacts  Not available  $150 every 24 months
   
  Dental Care Benefit
Maximums apply individually to each employee and dependent
Maximums will be reduced by 50% in the first policy year for groups effective from
July 1 through December 1
No deductible applies to any portion of the Dental Care benefit
 Basic Reimbursement  80%  90%
 Major Reimbursement  Not available  50%
 Calendar Year Maximum  $1,000  $1,500 combined basic & major
 Recall Exam  9 months  9 months
 Scaling  10 units per calendar year  10 units per calendar year
 Dental Fee Guide  Current  Current



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© 2009 Gary White Insurance