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

Othopedic shoes

$500 per calendar year

Orthotics

$500 per calendar year

Vision Care

Maximum

$400/24 months

Eye exams

One eye exam per 24 months covered separately, subject to “Reasonable and Customary” limit

Prescription sunglasses

Covered

Paramedical Services

Massage therapist

$500 per calendar year

Physiotherapy

$500 per calendar year

Chiropractor

$500 per calendar year

Psychology

$500 per calendar year

Naturopath

$500 per calendar year

Podiatry

$500 per calendar year

Acupuncture

$500 per calendar year

Speech therapy

$500 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 ServicesColumn Options

Reimbursement

80%

Maximum

N/A

Orthodontic Services

Reimbursement

50%

Maximum

$2,000/Lifetime

Age limit

Covers adults and children

GROUP LIFE

Insurer: Pacific Blue Cross

Policy Number: 79520

Schedule

3 x annual earnings

Maximum

$500,000

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

$500,000

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 $10,000

Maximum

$10,000

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