The new Flexible Benefits component of our Wellness Plan is designed to:

– Be meaningful and supportive of the health of Team Members and their family

– Ensure the appropriate levels of care are in place when accessed and needed

– Meet or exceed plans for those who compete for the same talent

– Provide the flexibility to choose coverage based on their lifestyle and health care needs

– Align with our values

Choose Your Plan

NOTE: Unless there is an eligible lifestyle event, wellness plans can only be changed every two years.

	Flex	Flex+
Life & Accidental Death and Dismemberment Insurance	1x Annual Earnings, up to $485,000 Reduces by 50% at age 65 Termination – age 70	1x Annual Earnings, up to $485,000 Reduces by 50% at age 65 Termination – age 70
Dependent Life Insurance	Spouse – $10,000 Child(ren) – $5,000	Spouse – $10,000 Child(ren) – $5,000
Critical Illness Insurance	Employee – $10,000 24 insured conditions	Employee – $10,000 24 insured conditions
Long Term Disability (LTD)	Your disability benefit is 66.67% percent of your monthly gross income up to a max of $8350 tax-free	Your disability benefit is 66.67% percent of your monthly gross income up to a max of $8350 tax-free
Extended Health Care	Deductible – None 100% medical services & supplies Semi-Private Hospital – included Travel – 100%, no maximum; Trip duration – 90 days Termination – age 75 (or retirement)	Deductible – None 100% medical services & supplies Semi-Private Hospital – included Travel – 100%, no maximum; Trip duration – 90 days Termination – age 75 (or retirement))
Prescription Drugs	Deductible – None 90% coinsurance via Pocket Pills 80% all other pharmacies Substitute for generic when available $5,000 per family member, per year	Deductible – None 90% coinsurance via Pocket Pills 80% all other pharmacies Substitute for generic when available $5,000 per family member, per year
Paramedicals (e.g. massage, physiotherapy, chiropractor)	100% Coinsurance $300 per practitioner, per family member, per year No prescription required	80% Coinsurance $600 per practitioner, mental health practitioners $750 per family member, per year No prescription required
Vision	Nil	Eye exams– once per 24 months, 12 months child Eye wear– $200 per 24 months, 12 months child
Private Virtual Healthcare & Family Assistance Program	Included for all Plan Members and their families via Consult+	Included for all Plan Members and their families via Consult+
Dental	Deductible – None Basic – 80%, $1,500 per family member, per year Recall frequency – once per 6 months Termination – age 75 (or retirement)	Deductible – None Basic– 80%, $1,500/year per family member, per year Major– 50%, $1,500 combined with basic Orthodontics – 50%, $2,000 lifetime (for children) Recall frequency – once per 6 months Termination – age 75 (or retirement)

Premiums

Life and Disability benefit amounts you are entitled to are based on your gross earnings. Premiums are funded via payroll deduction to avoid being taxed.

Ecora covers 80% of FLEX Health and Dental premiums. Buying up to FLEX+ just means you pay the difference.

* Monthly employee premium contribution for Flex & Flex+