Applying For Coverage
WHAT YOU NEED TO KNOW BEFORE APPLYING FOR COVERAGE...
The following benefits are available to members of Retail Council of Canada (RCC), and their employees. Applicants must be under age 70, reside in Canada, and be covered by their provincial health care plan.
| CORE COVERAGE |
| Start with an Extended health care plan which includes Employee and HR Support Solutions! |
| Prescription drugs | 75% reimbursement |
| Paramedical practitioners (massage therapists chiropractors, physiotherapists, etc.) | 75% reimbursement up to $300 combined maximum per calendar year |
| Glasses or contacts | 100% reimbursement up to $100 every 24 consecutive months |
| Other medical services and supplies (e.g. hearing aids, orthotics, private nursing, diabetic supplies, ambulance, etc.) | 75% reimbursement |
| Out-of-Canada medical emergencies | 100% reimbursement, up to a $1,000,000 lifetime maximum |
| Employee & Family Assistance Plan (EFAP) | Access to qualified professionals that provide counselling and resources for support when individuals have personal, family or work related concerns |
| Best Doctors | Access to a referral service for individuals who have been diagnosed with a serious illness |
| HR Support Solutions (HRSS) | On-demand access to HR management services for small to medium-sized businesses |
| Note: There is no deductible and there is no lifetime maximum except for out-of-Canada coverage. Quoted maximums are per insured person (spouse and/or child, as applicable). | |
| SILVER |
| Build on the core plan by adding more benefits to your plan based on your organization’s requirements! |
| Basic life insurance | 2 times annual salary, up to $100,000 |
| Accidental death & dismemberment | An additional 2 times annual salary, up to $100,000 |
| Long-term disability | 66.7% of monthly salary up to $5,000 |
| Basic dental services (routine check-ups, x-rays, cleaning, fillings, root canals, dental surgery) | 75% reimbursement up to a $1,000 maximum per calendar year |
| Note: Long-term disability benefits start on the 120th day of disability and continue to age 65. Payments are offset by workers' compensation and CPP/QPP disability benefits. | |
| GOLD |
| The Gold plan includes everything from the Silver plan with additional enhancements to the medical and dental benefits. |
| Extended health care | 80% reimbursement on prescription drugs, paramedical practitioners and other medical services Up to $300 calendar year maximum per specialist |
| Basic dental services | 80% reimbursement up to a $1,500 calendar year maximum |
| Note: There is no deductible. Overall coverage is limited to $500 during the first calendar year; thereafter $1,500 per year. Payments are based on the current dental fee guide for each province. | |
| PLATINUM |
| The Platinum plan includes everything from the Gold plan with further enhancements to the Extended health care and Dental benefits. |
| Extended health care | 85% reimbursement on prescription drugs, paramedical practitioners and other medical services Up to $600 combined calendar year maximum for paramedical practitioners |
| Basic dental and Major restorative services (e.g. bridges, crowns or dentures) | 85% reimbursement for Basic dental services and Up to $2,000 combined calendar year maximum per person |
| Short-term disability | 66.7% of salary, up to $642 per week for up to 15 weeks. Benefits begin on the 8th day of continuous disability |
Important...
Extended Health and Dental coverage is available on a Single or Family basis.
Coverage becomes effective on the first of the month following the approval of your application.
Coverage ends when ...
What’s The Cost?
Monthly Rates are based on the specific demographic features of each insured group, age band, single or family coverage and benefit plan design. The volume purchasing arrangement available to you allows for very competitive rates. Premium rates are subject to change upon your renewal date.
Premiums are payable in advance on a monthly basis. You may pay using pre-authorized bank deduction, credit card, or by cheque. Rates shown do not include provincial sales tax, where applicable. Rates are reviewed on a yearly basis. You will be advised in advance of any necessary rate changes.
Next Steps