Required Benefits


1. Life Insurance and Accidental Death and Dismemberment in the amount of $25,000. Other schedules are also available – either one times or two times annual earnings.

2. Dependents Life Insurance provides $10,000 coverage on your spouse, and $5,000 per dependent child.

3. Extended Health Coveragefor yourself and your family. This benefit pays most items that B.C. Medical does not pay for including:

  Prescriptions
Vision care
De Lux travel		 Professional Services (chiropractor, massage therapist, etc.)
Semi-private hospital rooms
Other medical hardware

  a) Gold – zero deductible, 90% coinsurance
  b) Silver – $100 yearly deductible, 80% coinsurance
  c) Bronze – $250 yearly deductible, 70% coinsurance

Optional Benefits for Each Group

4. Weekly Indemnity is a benefit that pays a percentage of your earnings if you cannot work by reason of accident or illness. Benefits begin on the 15th day of either accident or illness and continue for up to 15 weeks (or earlier recovery) paying 66 2/3% of net weekly earnings (after business expenses are deducted.)

5. Long Term Disability is provided to help you replace your earnings should you be unable to work by reason of accident or illness. Benefits begin after you have been off work for 17 weeks, or when your Weekly Indemnity benefits expire (if you have chosen this benefit). For both the Weekly Indemnity and Long Term Disability plans, the income is usually set up to render the benefit tax-free at time of collection.

6. Dental Care is available for yourself and your dependents. Three options are available as follows:

  a) Bronze – 80% of all basic items such as cleaning, scaling, X-rays, fillings, extractions, periodontry, and endodontry up to a maximum of $1,250 per calendar year per individual or dependent.
   
  b) Silver – pays everything listed above, but then adds 50% of Major Restorative items such as Crowns, Inlays, Dentures, Bridgework, and extensive Periodontics are covered. The maximum benefit per individual is $1,250 per calendar year. Orthodontry for dependent children is covered at 50% reimbursement up to a lifetime maximum payout of $2,000 per child
   
  c) Gold – pays everything listed in “b”, except that the basic coverages are paid at 100% instead of 80%


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