Updated: February 3, 2011
LIFE INSURANCEMandatory Benefit
Class ‘A’ – Two times annual earnings to a Maximum Benefit of $850,000
Class ‘B’ – One times annual earnings to a Maximum Benefit of $25,000
Coverage reduces by 50% at age 65, it reduces another 50% at age 70 and terminates at retirement.
ACCIDENTAL DEATH & DISMEMBERMENTMandatory Benefit
Class ‘A’ – Four times annual earnings to a Maximum Benefit of $850,000
Class ‘B’ – Two times annual earnings to a Maximum Benefit of $50,000
Coverage reduces by 50% at age 65, it reduces another 50% at age 70.
DEPENDANT INSURANCEMandatory Benefit
$2,5000 – Child up to 14 days – $500
LONG TERM DISABILITYMandatory Benefit
70% of monthly earnings to a maximum benefit of $13,000
Your benefit cannot exceed 85% of your monthly pre-disability gross salary or your net salary if the benefit is non-taxable.
You are eligible for benefits for a three year period for Class ‘A’ and a two year period for Class ‘B’ from the date LTD benefit payment commence, if you you unable to perform the usual & customary duties of your own occupation. Thereafter benefits will continue only if you are unable to perform the duties of any occupation.
This benefit is not taxable if the premium is employee paid.
EXTENDED HEALTH CAREMandatory Benefit
Single – $25
Family – $50
No deductible for drugs, hospital or travel emergencies.
Hospital in BC
Each Year – $400
Orthotics – $200 per year
Maximum of $500 per year, per specialist.
Chiropractor, Podiatrist, Psychologist, Acupuncture, Speech Therapist, Osteopath, Registered Dietician, Christian Science, Naturopath, Chiropodist & Masseur.
*Physiotherapy is unlimited.
Maximum of $20,000 every three years – for acute conditions only
Medical Services & Supplies
Drug Card – Covered at 80%, 90% or 100%
Emergency Travel Insurance
100% Coverage for Worldwide coverage for emergency services only outside of B.C. to the standard rate of charge in that area.
Single – $25
Family – $25
Covered at 80%, 90% or 100%
Adult – Every nine months
Children 20 & under – Every six months
Covered at 50% for – Caps, Crowns, Bridges & Dentures
Orthodontic Care (optional)
50% for dependent children, $1,000 lifetime maximum.
Combined Maximum of – $1,500