Cost

This plan is available to you at no cost.

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: $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% reimbursement 
• 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-insurance 
• 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

Note: To apply for excess coverage beyond the Non-Evidence Maximum, please contact support@sterlingbrokers.com for detailed guidance and assistance.

Short-Term Disability

Coverage includes:

• 66.67% of weekly earnings
• Overall weekly maximum: $900
• Elimination period: 0 days accident & hospitalization; 7 days illness 
• Benefit period of 16 weeks
• Taxable benefit payments
• Terminates at age 65 or earlier retirement 

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)

Employee Assistance Program (EAP)

An Employee Assistance Program is a perk that can help you can address a wide range of life issues and challenges.

Our Telus Health EAP through Canada Life includes:

• A 24/7/365 telephone support help line
• TELUS Health One wellbeing platform & mobile app (available in 50 languages)
• Employee legal help line
• Consulting services – Financial, debt advice, housing, relocation, parenting, eldercare, health and wellness, and more

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
• Access to Consult+ virtual to know more.

Portable/Optional Benefits - Canada Life

Some of your benefits with Canada Life 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 Canada Life
• Rates are based on age, gender & smoker vs. non-smoker status
• All amounts are subject to medical approval

How to access:

• You can apply directly through your My Canada Life at work account and find additional coverage options (Freedom to Choose) on the Options for you section on your dashboard.

Important: This is an independent product offered by Canada Life and is not managed through Remote. You are responsible for administering these plans, as Remote holds no contractual responsibility for them.

Portable/Optional Benefits - Protection Plus (Medavie Blue Cross)

In addition to Canada Life’s Freedom to Choose, employees also have access to Protection Plus Benefits through Medavie Blue Cross.

• Optional coverage is available for life, critical illness, and accidental death & dismemberment insurance for you and your family
• Offers financial protection in the event of death, serious illness, or accident
• Coverage is portable — you can take it with you even if you leave the company
• Group rates may be more affordable than purchasing individual coverage
• Flexible options based on your family’s needs and budget
• No medical questions asked if you enroll within 31 days of becoming eligible (or during a defined open enrolment window)
• Underwritten by Medavie Blue Cross Life

How to access:

• During your benefits enrollment window (through Sterling), you will be prompted to explore additional optional benefits with their partner, Blue Cross. As part of this process, before completing your enrollment, you’ll have the opportunity to review and secure coverage directly through Blue Cross. To access these discounts, you will then be guided to protectionplusbenefits.ca, where you can use the access code RMTECA to unlock exclusive rates on these optional products.

Important: This is an independent product offered by Blue Cross and is not managed through Remote. You are responsible for administering these plans, as Remote holds no contractual responsibility for them.