Disability Insurance
By providing disability insurance as part of a group benefits plan you help protect yourself and your employees against the financial impact of not being able to earn an income due to an accident or illness. The benefit periods available are:
Short-term disability (STD) – maximums of 15, 17 or 26 weeks
Long-term disability (LTD) – maximums of 2 years, 5 years or to age 65
Life Insurance
Preparing for the unexpected is the basis of group life insurance. Group life insurance provides financial support for your employees and their families in the event of a death.
The types of group life insurance available are:
Employee term life
Dependent term life
Employee and spouse optional term life (evidence of insurability required).*
*Available to groups with 20 or more participants.
Accidental Death & Dismemberment (AD&D)
Accidents can happen in an instant. In the event of the employee’s accidental death or injury (either at or away from work), benefits are paid in a lump sum.
Additional Plans and Services
The following specialty products are designed to enhance your plan design and meet the unique benefits needs of your business. Ask your group benefits representative for more details about the following additional plans and services.
Online Administration: Internet administration systems that allows you to enrol employees and maintain their benefit plan information, receive bills,
access information and create reports analyzing your plan’s experience – free of charge.
Group Critical Illness Insurance: Basic & Enhanced.