Benefit Solutions for ARHCA

Value Added Services
Get a Group Quote [3 to 9 employees]
Get a Group Quote [over 9 employees]
Individual Health & Dental Plan [1-2 employees]
Get a Home or Auto Quote
Get a Travel Insurance Quote
Get a Business Insurance Quote
Apply for Disablity Insurance
Buy Pet Insurance Online
Supplementary Preferred Pharmacy Program
Sobey's Pharmacy by Mail
Health Care Spending Account
Buy Group RRSP
Marks Imagewear Program

INTRODUCTION

The Alberta Roadbuilders & Heavy Construction Association is pleased to announce the introduction of the UNIGROUP™ Plan for Association members. Benefits will be available effective March 1, 2010 for both corporate members with three or more employees. A separate plan for individuals is also available upon request. Larger groups may select their own plan design. The plan is marketed by Unigroup Inc and administered by Canadian Benefit Administrators Ltd., both of whom are experienced in the Association group market.

BENEFITS PROVIDED

Group Insurance Program

Benefits provided through the UNIGROUP™ program include:

Life Insurance and AD&D (Manulife)
Dependent Life Insurance (Manulife)
Optional Short Term Disability (Unistar MET)
Optional Long Term Disability (Western Life)
Health Benefits (Manulife)
Health Service Navigator (Manulife)
Resilience (Manulife)
Dental Care Benefits (Manulife)
Critical Illness (Western Life)

ELIGIBILITY

If you elect to participate, you must work at least 20 hours per week, and must work at least seven months per year (not necessarily seven consecutive months).

If you have eligible family members, you must be enrolled for either Couple or Family coverage, unless proof of enrolment is received confirming you and / or your family members are insured under another plan. If you have Health and Dental coverage through a spousal plan, you can waive coverage under these benefits only. If coverage is cancelled under the spousal plan, you have the opportunity to apply for Health and Dental benefits under this plan, provided application is made within 31 days of cancellation of the spousal benefits.

GROUP BENEFIT PLAN SUMMARY

The following summary outlines the benefits provided by this plan. Additional benefits provisions are outlined in complete detail in the benefit booklet that you receive upon enrollment in the plan.

BENEFIT	COVERAGE SUMMARY
Basic Life Insurance	Two times earnings to a max $300,000, guaranteed issue of $225,000 Waiver of Premium included if you are considered totally disabled following the 182 day qualifying period Benefit reduces by 50% at age 65 and terminates at age 70 or retirement, whichever is earlier
Accidental Death & Dismemberment Insurance	Same as life Waiver of Premium included if you are considered totally disabled following the 182 day qualifying period Benefit reduces by 50% at age 65 and terminates at age 70 or retirement, whichever is earlier
Dependent Life Insurance	$10,000 death benefit for your spouse $5,000 death benefit for each of your dependent child(ren) Waiver of Premium included if you are considered totally disabled following the 182 day qualifying period From live birth to age 21 (25 if student) Benefit terminates at age 70 or retirement, whichever is earlier
Optional Short Term Disability Insurance	Provides 66.7% of pre-disability gross weekly earnings to a maximum benefit of $800 Benefits received are non taxable if paid by employee Benefits begin on 1st day accident, 1st day hospitalization, 8th day sickness Benefits payable for 17 weeks Coverage terminates at the earlier of retirement or age 70
Optional Long Term Disability Insurance	Provides 67% of pre-disability gross earnings, to a maximum monthly benefit of $5,000 Benefits received are non taxable if paid by employee Benefits are payable to age 65 Payable following 120 days of continuous disability You are considered Totally Disabled if, due to illness or injury, for 2 years at your own occupation and thereafter you are unable to perform the essential duties of any occupation for which you are qualified, or may reasonably become qualified by training, education, or experience
Extended Health Care	$0 single deductible \| $0 family deductible Benefits terminate once you reach age 70 or retirement, whichever is earlier Health Service Navigator - Includes WorldCare Inc. which includes an independent review, diagnosis and treatment recommendations 2 year survivor benefit
Prescription Drugs	100% coverage after dispensing fee deductible Least Cost Alternative (generic substitution) provision Real-time direct-pay (drug card) $300 lifetime maximum for smoking cessation drugs; $15,000 per lifetime for fertility drugs excluding Sexual Dysfunction; Unlimited maximum for all other drugs
Hospital Room	100% coverage for semi-private accommodation
Vision Care	100% coverage including www.pvs.ca One eye exam per calendar year covered $300 maximum every two years for frames, lenses, and/or laser eye surgery procedures
Private Duty Nursing	80% coverage, to a maximum of $10,000 per year
Paramedical Practitioners	100% coverage, to a maximum of $500 per year per eligible licensed practitioner Eligible practitioners include chiropractors, chiropractor x-ray, osteopaths, osteopath x-ray, podiatrists, podiatrist x-ray, massage therapists, naturopaths, speech therapists, physiotherapists, and psychologists
Medical Services and Supplies	80% coverage $500 every five (5) years for Hearing Aids $150 per year for Orthopaedic Shoes $400 every three (3) years for custom orthotics Other services and supplies – see benefits booklet
Out-of-Province/Out-of-Canada Coverage	100% coverage, to a lifetime maximum of $5,000,000 Includes travel assistance for medical and non-medical travel emergencies 30 day maximum duration per trip
Dental Care	$0 single deductible \| $0 family deductible Benefits terminate once you reach age 70 or when you retire, whichever is earlier 100% coverage for diagnostic, preventative, minor restorative, surgical, periodontal (scaling), and endodontic (root canal) services 50% major restorative $2,500 combined annual maximum 50% Orthodontia to a $1500 lifetime maximum Basis of reimbursement is current fee guide for your province of residence
Critical Illness Insurance (Western Life)	Included 21 diseases such as Heart Attack, Cancer, Parkinson’s, MS, Alzheimer’s, Major Organ Transplant and Kidney failure. Terminates at age 70 Conversion available $50,000 benefit regardless of health
Employee Assistance Plan (EAP) Resilience	Unlimited access to a full range of services for both employees and managers to a toll free number Guaranteed confidentiality Face-to-face, telephonic, or internet (secure chat room) counseling available Plan Smart™ Services (financial advisory, elder and family care, nutritional support…) Management Services for managers and leaders who assist in addressing employee needs and issues Trauma Response Service Lunch ‘n Learns sessions available Wellness Challenge, an online service to help promote healthy lifestyle and behavior to employees through fun competition

MONTHLY COST

These rates are guaranteed until February 1, 2012 at which time the plan will renew.

PLAN ENROLMENT

Please call or email your ARHCA Insurance Specialists for Quoting & Master Application details.

Stephanie Colvin
(403)297-0249
(800)292-9066
Stephanie@unigroup.ca

Gary Brown
(403)297-0250
(800)292-9066
jgbrown@unigroup.ca

TRAVEL INSURANCE PROGRAM

This program offers many options of coverage for those travelling out of the country for busines or pleasure.

For a few cents a day, travel insurance protects you, the ones you love and your belongings from the financial nightmare of an accident or sudden illness on a trip and from unexpected expenses if you miss a flight or your luggage is stolen.

Are you a Canadian resident? Many provincial or territorial health insurance plans only cover you for specific health expenses incurred in your home province or territory.

Are you a visitor to Canada? Travelling outside your country of residence without travel insurance could leave you stranded and your finances strained from an accident or sudden illness.

Are you relying on credit card insurance? Some credit cards do offer travel insurance, but these plans often have limited benefits and coverage.

Without adequate travel insurance, a broken arm from being hit by a car could cost you or your family thousands of dollars in unplanned bills for medication, doctor visits and hospital stays, as well as additional daily expenses.

Spend a little now and save a whole lot later. Why wouldn’t you get travel insurance?

Click here to get a quote today.

www.arhca.ab.ca	www.unigroup.ca/roadbuilders
Questions: Call toll free at 1-877-900-0250 or fax to 403-269-3939 This package is provided solely for the purpose of outlining the ARHCA Group Insurance Plan. All rights with respect to your benefits as a member of this plan will be governed by the Group Insurance Policy issued to the Alberta Roadbuilders & Heavy Construction Association.

www.arhca.ab.ca

www.unigroup.ca/roadbuilders

Questions: Call toll free at 1-877-900-0250 or fax to 403-269-3939

This package is provided solely for the purpose of outlining the ARHCA Group Insurance Plan. All rights with respect to your benefits as a member of this plan will be governed by the Group Insurance Policy issued to the Alberta Roadbuilders & Heavy Construction Association.

UNIGROUP - The benefits of understanding. 1-877-900-0250