EXTENDED HEALTH CARE
Insurer: Pacific Blue Cross
Policy Number: 901996
Reimbursement
100%
Annual deductible
$50
Lifetime maximum
N/A
Termination Age
Retirement
Medical referral travel benefit
N/A
Survivor extension
Yes, to a maximum of 24 months
Prescription Drugs
Drug formulary
Blue Rx
Pay-direct drug card
Yes
Per prescription deductible
$0
Sexual dysfunction
N/A
Oral Contraceptives
Covered
Fertility
Covered
Smoking cessation
N/A
Medical Services & Supplies
Medi-assist
Included
Emergency out-of-province reimbursement
100%
Emergency out-of-province maximum
N/A
Hospital
Private or Semi-Private
Private duty nursing (including in-home)
Fees for a registered nurse for special duty nursing in an acute case when ordered by the attending physician
Hearing aids
$1,000 every 60 months
Other services and supplies (subject to reasonable and customary limits as defined by insurer)
Covered
Orthopedic shoes
$500 per calendar year
Orthotics
$500 per calendar year
Vision Care
Maximum
$500/24 months
Eye exams
One eye exam per 24 months covered separately, subject to “Reasonable and Customary” limit
Prescription sunglasses
Covered
Paramedical Services
Massage therapist
$650 per calendar year
Physiotherapy
$650 per calendar year
Chiropractor
$650 per calendar year
Psychological Counselling Services
$1,200 per calendar year
Naturopath
$650 per calendar year
Podiatry
$650 per calendar year
Acupuncture
$650 per calendar year
Speech therapy
$650 per calendar year
DENTAL CARE
Insurer: Pacific Blue Cross
Policy Number: 901996
Annual deductible
$0
Dental fee guide
PBC Schedule 2
Specialist fee guide
Fee Guide +10%
Termination Age
Retirement
Survivor extension
Yes, to a maximum of 24 months
Basic Services
Reimbursement
100%
Maximum
N/A
Adult check-up
2 per year
Child check-up
2 per year
Endodontic/Periodontic Services
Reimbursement
100%
Maximum
N/A
Major Restorative Services
Reimbursement
80%
Maximum
N/A
Orthodontic Services
Reimbursement
50%
Maximum
$4,500/Lifetime
Age limit
Covers adults and children
GROUP LIFE
Insurer: Pacific Blue Cross
Policy Number: 79520
Schedule
3 x annual earnings
Maximum
$850,000
($850,000 Non-Evidence Maximum)
Termination age
Earlier of age 70 or retirement.
Age reduction
N/A
Waiver of premium definition
Matches LTD
Optional life
Available
GROUP ACCIDENT
Insurer: AIG Insurance Company of Canada
Policy Number: Basic – 9428791 | Optional – 9428793
Principal sum
Matches Life Benefit
Maximum
Matches Life Benefit
Optional Accident
Available
LONG TERM DISABILITY
Insurer: Pacific Blue Cross
Policy Number: 901996
Schedule
60% of the first $7,500 of gross monthly earnings, and 50% of the balance, rounded to the next $1, if not already a multiple, up to a maximum of $11,200
Maximum
$11,200
Elimination period
117 calendar days or Expiry of statutory /contractual sick leave to a maximum of 120 sick leave days
Maximum benefit period
The earlier of retirement or age 65
Cost of living adjustment
N/A
Taxability status
Non-taxable