Employee Benefits
CanadaLife - Standard Plan (Family)
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Below are the details of your health benefits with CanadaLife. This plan was chosen by your company and is facilitated through Remote as the Employer of Record. This page provides an overview of what is covered under your plan, how to enroll, and how to use your benefits!
CanadaLife - Standard Plan (Family)
The below coverage is for your Canada Life plan for the 2024 plan year. All full-time employees who work at least 20 hours per week and part-time employees working at least 15 hours per week are eligible to enroll themselves and eligible dependents (spouse, partner who resides with you, child) in the group benefits plan on their date of hire. It is important to enroll yourself and any dependents within 30 days of becoming eligible to avoid any limitations or restrictions in coverage. We will alert you when you are eligible to begin enrollment.
Any changes in dependent or spousal coverage should be communicated to your plan administrator within 30 days of becoming eligible.Â
If you have any questions, please reach out to Remote at support@remote.com!
Plan details
Healthcare
Coverage includes:
- No deductible
- 90% reimbursement for all medical services and supplies. (Reasonable and customary limits are in place for all extended healthcare services and supplies)
- Prescription drugs: Mandatory generic substitution with 90% reimbursement, no deductible, $7 dispensing fee cap, $100,000 maximum per calendar year
- Private duty nursing:Â $10,000 per 12 months per condition
- Semi-private hospital rooms
- Paramedical practitioners: Reimbursed at 90% up to a maximum of $500 per practitioner per year to a combined overall maximum of $2,000 for acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist - also psychologist/social worker ($1,000 combined)
- Medical equipment such as: Hearing aids, artificial eyes, orthopedic shoes/orthotics, diabetic equipment, mobility aids
- Reasonable and customary limits are in place for all extended healthcare services and supplies
- Teledoc medical experts: Provides employees with access to a global network of physicians and specialists in the event of a serious or rare diagnosis
Dental Insurance
Coverage includes:
- No deductible
- Basic dental reimbursed at 80% (x-rays, oral exams, cleanings)
- Major dental reimbursed at 50%
- Maximum: $1,000 per calendar year
- Accidental dental: Reimbursed at 100% (to an unlimited maximum)
Vision Insurance
Coverage includes:
- No deductible
- 100% reimbursementÂ
- Eye exams: 1 exam every 24 months for adults and dependent children
- Prescription glasses & contact lenses: $350 every 24 months
Out of Country
Coverage includes:
- 100% co-insuranceÂ
- Unlimited maximum per lifetime
- 60-day trip duration
- Unforeseen and unexpected emergencies
- Stability clause in place
- Travel for business or pleasure
- Travel assistance card should travel with you
Life & AD&D Insurance
Coverage includes:
- 1x annual earnings to a maximum of $250,000
- Non-evidence maximum of $250,000
- Reduces by 50% at age 65
- AD&D coverage is equal to life Insurance
- Terminates at age 70 or earlier retirement
Short-Term Disability
Coverage includes:
- 66.67% of weekly earnings
- Overall weekly maximum: $900
- Elimination period:Â 0 days accident & hospitalization; 7 days illnessÂ
- Benefit period of 16 weeks
- Taxable benefit payments
- Terminates at age 65 or earlier retirementÂ
Long-Term Disability
Coverage includes:
- 66.7% of the first $4,500 of monthly earnings, 50% of the balance
- Overall monthly maximum: $5,000
- Qualifying period: 112 days
- Taxable benefit payments
- Terminates at age 65 (unless qualifying period or retirement occurs)
Portable Benefits
Some of your benefits are portable - meaning you can keep your coverage if you leave the company.
- Optional coverage is available for life, AD&D, and critical illness insurance for you and your family
- If you choose, this coverage will remain in place even if you leave the company, at your own cost
- Payments would need to be made directly from you to CanadaLife
- Rates are based on age, gender & smoker vs. non-smoker status
- All amounts are subject to medical approval
- You can apply directly through CanadaLife GroupNet and choose the amounts right for you
Virtual Health (Consult+)
Includes:
- 24/7/365 access to healthcare professionals for you and your family while at home or in the workplace
- Receive medical advice for conditions such as sore throat, sinusitis, pink eye, allergies, cold, flu, minor skin infections, and more
- Get prescriptions or refills
- Get referrals for lab work when medically necessary
- Find mental health and well-being specialists such as psychologists, dietitians, and coaches
- Access self-led internet-based Cognitive Behavior Therapy (iCBT)
- View account history such as chats, prescriptions, referrals, and care plans
- All sessions are private and confidential – only the doctors, nurses and health care professionals have access to your information, just like your family doctor
- To access Consult+ virtual healthcare services, go to consultplus.dialogue.co and/or download the free Consult+ app
Healthcare
Plan details
Coverage includes:
- No deductible
- 90% reimbursement for all medical services and supplies. (Reasonable and customary limits are in place for all extended healthcare services and supplies)
- Prescription drugs: Mandatory generic substitution with 90% reimbursement, no deductible, $7 dispensing fee cap, $100,000 maximum per calendar year
- Private duty nursing:Â $10,000 per 12 months per condition
- Semi-private hospital rooms
- Paramedical practitioners: Reimbursed at 90% up to a maximum of $500 per practitioner per year to a combined overall maximum of $2,000 for acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist - also psychologist/social worker ($1,000 combined)
- Medical equipment such as: Hearing aids, artificial eyes, orthopedic shoes/orthotics, diabetic equipment, mobility aids
- Reasonable and customary limits are in place for all extended healthcare services and supplies
- Teledoc medical experts: Provides employees with access to a global network of physicians and specialists in the event of a serious or rare diagnosis
Dental Insurance
Plan details
Coverage includes:
- No deductible
- Basic dental reimbursed at 80% (x-rays, oral exams, cleanings)
- Major dental reimbursed at 50%
- Maximum: $1,000 per calendar year
- Accidental dental: Reimbursed at 100% (to an unlimited maximum)
Vision Insurance
Plan details
Coverage includes:
- No deductible
- 100% reimbursementÂ
- Eye exams: 1 exam every 24 months for adults and dependent children
- Prescription glasses & contact lenses: $350 every 24 months
Out of Country
Plan details
Coverage includes:
- 100% co-insuranceÂ
- Unlimited maximum per lifetime
- 60-day trip duration
- Unforeseen and unexpected emergencies
- Stability clause in place
- Travel for business or pleasure
- Travel assistance card should travel with you
Life & AD&D Insurance
Plan details
Coverage includes:
- 1x annual earnings to a maximum of $250,000
- Non-evidence maximum of $250,000
- Reduces by 50% at age 65
- AD&D coverage is equal to life Insurance
- Terminates at age 70 or earlier retirement
Short-Term Disability
Plan details
Coverage includes:
- 66.67% of weekly earnings
- Overall weekly maximum: $900
- Elimination period:Â 0 days accident & hospitalization; 7 days illnessÂ
- Benefit period of 16 weeks
- Taxable benefit payments
- Terminates at age 65 or earlier retirementÂ
Long-Term Disability
Plan details
Coverage includes:
- 66.7% of the first $4,500 of monthly earnings, 50% of the balance
- Overall monthly maximum: $5,000
- Qualifying period: 112 days
- Taxable benefit payments
- Terminates at age 65 (unless qualifying period or retirement occurs)
Portable Benefits
Plan details
Some of your benefits are portable - meaning you can keep your coverage if you leave the company.
- Optional coverage is available for life, AD&D, and critical illness insurance for you and your family
- If you choose, this coverage will remain in place even if you leave the company, at your own cost
- Payments would need to be made directly from you to CanadaLife
- Rates are based on age, gender & smoker vs. non-smoker status
- All amounts are subject to medical approval
- You can apply directly through CanadaLife GroupNet and choose the amounts right for you
Virtual Health (Consult+)
Plan details
Includes:
- 24/7/365 access to healthcare professionals for you and your family while at home or in the workplace
- Receive medical advice for conditions such as sore throat, sinusitis, pink eye, allergies, cold, flu, minor skin infections, and more
- Get prescriptions or refills
- Get referrals for lab work when medically necessary
- Find mental health and well-being specialists such as psychologists, dietitians, and coaches
- Access self-led internet-based Cognitive Behavior Therapy (iCBT)
- View account history such as chats, prescriptions, referrals, and care plans
- All sessions are private and confidential – only the doctors, nurses and health care professionals have access to your information, just like your family doctor
- To access Consult+ virtual healthcare services, go to consultplus.dialogue.co and/or download the free Consult+ app
How to Access Your Benefits
- You must enroll in the plan via CanadaLife prior to accessing your benefits - we will alert you when enrollment begins
- Register online at mycanadalifeatwork.com
- You will need your policy number (414549), certificate number (your Employee ID on the Remote profile), and the birthdates of any applicable dependents
- Once you register online you can:
- Link your banking information for faster claims reimbursement
- Submit claims
- View coverage levels
- Access a variety of tools and resources available through the GroupNet for plan members website including the drug lookup tool, condition lookup tool, tests and procedures, and community support resources
- You can also download the free Groupnet mobile app to:
- Download a digital health card
- Submit claims
- Review coverage levels
- And much more!
- To receive a second medical opinion, you can call this number toll-free: 1-877-419-BEST (2378)
More Information on Benefits in Canada
Understanding tax implications and more.
- Employee Cost: This plan is 100% covered by the employer.
- Employee Tax Implications:
- Group Term Life Insurance Plans: The premiums paid by the employer for coverage under a group term life insurance policy are considered a taxable benefit to the employee. If the employer shares the premium cost with the employee, then the taxable benefit will only be the portion of the premiums the employer pays. The taxes paid on the premiums for insurance coverage for Manitoba, Ontario, and Quebec are included with the premium cost in calculating the employee’s taxable benefit.
- Accidental Death & Dismemberment: AD&D premiums are considered a non-cash taxable benefit to the employee. As a result, employer-paid AD&D premiums, plus the tax (if applicable - Manitoba, Ontario, and Quebec) are taxable.
- Private Health Insurance: In Quebec only, when an employer pays the premium for this type of plan, the value of the premium is a non-cash taxable benefit to the employee. The value of the taxable benefit and the tax is included in the employee’s income.
- For more details on tax implications, you can refer to this FAQ on Canada's official government website.
- For more information about employee laws and regulations in Canada, you can see our country guide at https://remote.com/country-explorer/canada.
Learn more about Remote benefits
How do benefits work when hiring through an EOR?
Watch this quick explainer video to understand how offering benefits works when you hire team members through an employer of record like Remote.