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Accidental Death & Dismemberment (AD&D)

Provides protection if a plan member incurs either 1) a loss, or 2) loss of use of: life, limb, sight, hearing, and/or speech due to an accidental injury. This benefit pays double the benefit for plan members who die because of an accident.

Coverage is generally based on a flat amount (e.g. $50,000) and can be provided on a 24-hour or non-occupational basis. 24-hour coverage is more common and covers accidents that occur both on and off the job.

Services

Life Insurance

Basic life insurance pays a pre-specified amount (typically based on employee’s earnings or a flat amount) in the event of the death of an employee from any cause.

Accidental Death & Dismemberment (AD&D)

Provides protection if a plan member incurs either 1) a loss, or 2) loss of use of: life, limb, sight, hearing, and/or speech due to an accidental injury.

Disability (Short and Long Term)

Disability insurance bridges the gap between income and expense if you become disabled and are unable to earn an income.

Critical Illness

Critical illness coverage bridges the gap found in most traditional employee benefit plans.

Extended Health Care

Designed to supplement existing provincial hospital and medical insurance plans. The benefit allows for reimbursement of expenses and/or services not covered by existing government plans.

Employee Assistance Program (EAP)

An employee benefit program that assists employees with personal problems and/or work-related problems that may impact their job performance, health, mental and emotional well-being.

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