Benefits
Benefits
Flexible benefits explained
Permanent employees select options from a host of benefits using flex credits (otherwise known as employer money). We acknowledge needs may change over time. Therefore, employees will be able to change their elections annually during the open enrollment period or when they experience a qualifying life event (i.e. marriage, newborn, etc.). Our plan also allows employees to coordinate benefits with their partner or spouse’s plan.
Benefits at a glance:
Benefit |
Options |
Best coverage highlights |
Key highlights |
Health |
Four options (including core benefits) |
100% reimbursement |
Paramedical services (i.e. Massage therapy, physiotherapy, chiropractic) - Up to $1,500 combined maximum per year |
Dental |
Four options |
100% preventative & restorative/75% major/$2,000/person for orthodontics with a 50% lifetime maximum |
Fillings – limited to a $ amount equal to 5-surface filling per tooth every two years |
Basic Life Insurance |
Three options (including core benefits) |
Two times base earnings to a maximum of $1,000,000 |
Optional life insurance available for purchase (dependents eligible to apply) |
Accidental Death and Dismemberment (AD & D) |
One option |
Two times base earnings to a maximum of $1,000,000 |
Optional accidental & death dismemberment coverage available for purchase (dependents eligible to apply) |
Optional Critical Illness Insurance |
A minimum of $20,000 to a maximum of $250,000 in units of $10,000 |
Covers 23 critical conditions in four categories |
Allows for 4 different claims, one in each of the four categories, each paying 100% of your coverage amount. |
Long-term disability |
Two Options for Taxable and Two Options for Non-Taxable |
Cost of Living Allowance (COLA) |
|
Deluxe Emergency Travel Assistance |
Optional benefit |
Combined maximum expense of $5,000 per family per medical emergency |
|
Health Spending Account (HSA) |
Optional benefit available for purchase using flex credits |
Covers eligible medical expenses that fall outside our plans |
|
Purchased Time Off |
Optional benefit available for purchase using flex credits |
Up to 6 days of paid time off |
|
*HSA and purchased time-off – not available during mid-year enrollment
