The program is based on a “core-plus-options” approach, which means each member group can choose a plan which is best suited to the needs of its owners, managers and staff. The Core Plan includes basic life insurance, accidental death & dismemberment insurance, and medical services/supplies. Additional life insurance, prescription drugs and hospital/out-of-country emergency medical coverage can be added as enhancements to the core plan. Optional Dental Benefits provide coverage for check-ups, cleanings and other routine dental work. Partial coverage for crowns, bridges, dentures and other major restorative procedures can be added as an enhancement. Optional Short Term Disability Insurance and Optional Long Term Disability Insurance provides income protection if you are unable to work due to disability resulting from illness or injury. Each employee can choose single, couple or family health and dental coverage, or can waive this coverage entirely if there is comparable coverage under a spouse’s plan.

Health Through The Co-operators, RCC's group benefits program offers comprehensive health care coverage over and above the covered individuals provincial/territorial health care benefits Coverage includes: Medical Services and Supplies Prescription Drug Coverage Hospital Accommodation Out-of-Country Coverage Vision care

Dental A variety of dental services will keep you smiling. Coverage includes: Basic Services Major Restorative Services (elective enhancement)

Life Insurance and Accidental Death & Dismemberment (AD&D)

Gain peace of mind through competitively priced, flexible life insurance and AD&D programs, with the following highlights:

• Basic Life Insurance
  
• Basic Accidental Death & Dismemberment (AD&D)Insurance
  
• Optional Life and AD&D Insurance

Income Protection

Protect your earnings against injury or illness with RCC’s disability benefits:

• Short Term Disability/Weekly Indemnity Insurance (available upon request—contact Morneau Shepell for details)
  
• Long Term Disability Insurance

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How much does it cost?

There is no minimum group size requirement for participating in this program. It is available to groups with as few as one covered individual.

Costs vary depending on the province of residence, age and family status of employees. Non-smokers receive a discount on life insurance premiums.

To find out the actual cost of a plan for you and your staff, please submit this Group Insurance Quotation Form.

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If you have any further questions, please contact us; we'll be glad to help you.

Last updated on:  Friday, July 20, 2012  Page: 

This information is not intended for use without professional advice. While we have attempted to make this site as accurate as possible, it is only a summary. For more information, see our disclaimer.

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