Benefit Solutions for RanchPlan Members
INTRODUCTION
Our breed association is pleased to introduce a group insurance program for Association members and their families and dependents. Three or more employees are required to participate. Benefits will be available effective November 1, 2010 for and is marketed by Unigroup Inc. and administered by Canadian Benefits Administrators Ltd., both of whom are experienced in the Association group market.
BENEFITS PROVIDED
Group Insurance Program
Benefits provided through the RanchPlan program include:
- Life Insurance and ADD (Manulife)
- Dependent Life Insurance (Manulife)
- Optional Short Term Disability (Unistar)
- Optional Long Term Disability (Western Life)
- Health Benefits (Manulife)
- Health Service Navigator / Resilience (Manulife)
- Dental Care Benefits (Manulife)
- Critical Illness (Western Life)
ELIGIBILITY
If you elect to participate, you must work at least 24 hours per week, and must work at least nine months per year (not necessarily nine 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 |
- $100,000 Coverage regardless of health
- Waiver of Premium included if you are considered totally disabled following the 180 day qualifying period
- Benefit reduces by 50% at age 65 and terminates at age 70 or earlier retirement
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Accidental Death & Dismemberment Insurance |
- Equal to Life benefit
- Waiver of Premium included if you are considered totally disabled following the 180 day qualifying period
- Benefit reduces by 50% at age 65 and terminates at age 70 or earlier retirement
|
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 120 day qualifying period
- Benefit terminates at age 70 or earlier retirement
|
Optional Short Term Disability Insurance |
- Provides 66.67% of pre-disability gross earnings, to a maximum weekly benefit of $500
- Benefits received are non taxable if the premium is entirely paid by the employee
- Benefits begin on the 1st day accident, 1st day hospitalization, 8th day sickness
- Benefits are payable for 17 weeks
- Benefit terminates at age 70 or earlier retirement
|
Optional Long Term Disability Insurance |
- Provides 66.67% of pre-disability gross earnings, to a maximum monthly benefit of $4,000
- Benefits received are non taxable if the premium is entirely paid by the employee
- Benefits are payable to age 65
- Payable following 120 days of continuous disability
- You are considered Totally Disabled if, due to injury only if 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 or family deductible
- Benefit terminates at age 70 or earlier retirement
- Health Service Navigator – includes WorldCare Inc. - which includes an independent review, diagnosis and treatment recommendations
- Resilience - Includes Employee and Family Assistance plan
- 2 years Survivor benefit
|
Prescription Drugs |
- 100% coverage with dispensing fee deductible
- Least Cost Alternative (generic substitution) provision
- Real-time direct-pay (drug card)
- $15,000 lifetime maximum for fertility drugs; $300 lifetime maximum for smoking cessation drugs; Unlimited maximum for all other drugs
|
Hospital Room |
- 100% coverage for semi-private accommodation
|
Vision Care |
- 80% coverage including www.pvs.ca
- One eye exam per calendar year covered
- $250 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 |
- 80% coverage, to a maximum of $500 per year per eligible licensed practitioner
- Eligible practitioners include chiropractors, osteopaths, podiatrists, 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
- Referal 50% | $3,000/3 calendar years
- Includes travel assistance for medical and non-medical travel emergencies
|
Dental Care |
- $ 0 single or family deductible
- Benefit terminates at age 70 or earlier retirement
- 100% coverage for diagnostic, preventative, minor restorative, surgical, periodontal (scaling), and endodontic (root canal) services
- Unlimited annual maximum
- Basis of reimbursement is current fee guide for your province of residence
- 2 years Survivor benefit
|
Critical Illness Insurance |
- Included 21 diseases such as Cancer, Heart attack, Parkinson’s, MS, Alzheimer’s, Major Organ Transplant and Kidney failure.
- Terminates at age 70
- Conversion available
- $ 25,000 benefit regardless of health
|
MONTHLY COST
These rates are guaranteed until Nov 1, 2011 at which time the plan will renew. .
PLAN ENROLMENT
Call or email your Representative at Unigroup for Master Application details. To see what the program costs simply fill in the required information on the “get a group quote” link or click here.
PURE BRED FARM INSURANCE PLAN
Canadian Pure Bred Breeders have risks that are unique to Pure Bred Producers. Unigroup has developed a Pure Bred Farm Insurance Plan that has addressed those unique coverages.
- Unigroup has negotiated Livestock Mortality Prices that are the most competitive in pricing. We can arrange insurance on Bull Calves at time of Registration and at sale time. The purchaser can receive special pricing on mortality insurance since he is purchasing from a breeder that is a member of the Pure Bred Bovine Insurance Program.
- All members of the Pure Bred Bovine Insurance Program will receive 5 Liability Insurance Certificates with their Farm Insurance Policy that they can present when attending show/sales that require such liability coverage. This is a great saving in time & aggravation at the time of transporting to a show/sale.
Click here to apply today.
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.unigroup.ca/ranchplan |
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Questions: Call toll free at 1-877-900-0250 or fax to 403-269-3939 to the attention of Paula and let us know your location and needs.
This package is provided solely for the purpose of outlining the Group Insurance Plan. All rights with respect to your benefits as a member of this plan will be governed by the Group Insurance Policy.
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UNIGROUP - The benefits of understanding. 1-877-900-0250
Value Added Services
