The descriptions of benefits featured in this section are provided for general information purposes only. Group contracts may vary from group to group.

Extended Health Care Benefit

Dental Care Benefit

Disability Benefit

Critical Illness Benefit

Accidental Death and Dismemberment Benefit

Life Insurance Benefit

Extended Health Care Benefit

Extended health care benefit allows plan members and their dependents to obtain a reimbursement for the following expenses:
 

• Hospitalization
• Prescription drugs
• Medical and paramedical treatment
• Vision care
• Emergency services following an accident or illness occurring during a stay outside the home province
   
   

Dental Care Benefit

Dental care benefit allows plan members and their dependents to obtain reimbursement for eligible dental expenses incurred for dental examinations and fillings, as well as special treatment such as crowns, prostheses, etc.

Disability Benefit

The disability benefit helps plan members cope with the loss of income resulting from their inability to work due to illness or injury. It may include:
 

• Short term disability benefit (weekly indemnity) that provides for the payment of a fixed benefit or an amount equal to a percentage of the plan member's salary.

• Long term disability benefit that provides for the payment of a benefit equal to a percentage of the plan member's monthly salary.
   

Critical Illness Benefit

Complementing the disability benefit, critical illness benefit is the only benefit that covers the cost incurred if a plan member contracts one of the 17 different covered illnesses such as cancer, paralysis, multiple sclerosis or Alzheimer's disease.

As the lump-sum benefit is paid during the insured's lifetime, it helps to maintain his/her quality of life that is often turned upside down by the illness. The insured may use this sum in any way he or she pleases for such things as:
 

• Re-fitting the vehicle to his/her new situation
• Building an access ramp to his/her home
• Covering the cost of some treatments
• Paying for convalescence abroad
• Reimbursing certain debts
• Paying for private health care services

Accidental Death or Dismemberment Benefit

In the event of a plan member's accidental death, this benefit provides for the payment of a lump sum in addition to the amount provided under basic life insurance. It also provides for the payment of a percentage of the lump sum in the event of accidental dismemberment.

Life Insurance Benefit

Life insurance provides a variety of benefits to your Plan Members:
 

• Basic Life Insurance: In the event of a plan member's death, this benefit generally provides for the payment of a set amount or an amount that corresponds to a multiple of his/her salary (1 or 2 times annual earnings).

• Optional Life Insurance: This benefit provides for the payment of a set amount or a multiple of his/her salary in addition to the amount provided under the basic life insurance.

• Dependent Life Insurance: This benefit generally provides for the payment of a set amount in the event of the dependent's death.