Core/Optional Coverage

We want to ensure all our employees have access to a benefits program that offers comprehensive, meaningful and affordable benefits. Our program focuses on awareness and prevention in supporting your health; and is meant to help protect you and your family against catastrophic health events. Including Core and Optional benefits ensures basic needs are met and 3 medical options allows for some flexibility and choice.


CORE COVERAGE*
BASIC LIFE INSURANCE AND BASIC AD&D
  • 1.5 X Annual Earnings
  • $500,000 maximum
  • Reduced by 50% at age 65
  • Reduced by another 50% at age 70
DENTAL BENEFITS
  • Annual Deductible – None
  • Preventative Services – 100%
  • Basic Services – 80%
  • Major Services – 50%
  • Recall – 6 months
  • Maximums – Combined $1,800 per plan year
  • Orthodontics – $1,500 lifetime max., covered for dependents up to age 18
  • Fee Guide – Lag 1 year / R&C
SHORT-TERM DISABILITY
  • 66 2⁄3% of earnings (basic earnings) for up to 182 days
  • 5 business day waiting period
  • Taxable / company paid
LONG-TERM DISABILITY
Salaried
  • 66 2⁄3% of the first $2,250 of monthly earnings (basic earnings), plus 50% of the balance to a maximum benefit of $9,000 per month
  • 182-day elimination period
Hourly
  • 50% of earnings (basic earnings) to maximum benefit of $7,000 per month
  • 182-day elimination period
HEALTH AND WELLNESS
  • TELUS Health Virtual Care
    • Primary Care & LifeJourney (Employee Family Assistance Program (EAP))
  • TELUS Health Virtual Pharmacy
  • Health Risk Assessment
  • WorkPerks Employee Discounts
  • Calm Mindfulness App
* 100% of premiums paid by Samuel, Son & Co., except LTD where applicable

HEALTH AND WELLNESS
TELUS HEALTH VIRTUAL CARE: LIFEJOURNEY
TELUS LifeJourney is an evolution of an employee assistance program (EAP) that is designed to help support all aspects of your health and wellbeing. LifeJourney offers 24/7 virtual access to compassionate care advocates who are there to support you with guidance and personalized care paths with personalized support for mental health, nutritional well-being, and financial and legal aid.
TELUS HEALTH VIRTUAL CARE: PRIMARY CARE
From primary care to mental health and allied health support, TELUS’ dedicated team of clinicians addresses you and your family’s health needs through encrypted text and video consults, where and when you need it 24/7. Conveniently connect with a clinician, right from your smartphone, desktop, or tablet, anywhere in Canada. Virtual Care is integrated with LifeJourney, our digital employee assistance program, so employees can receive broader wellbeing support in one place.
TELUS HEALTH VIRTUAL PHARMACY
TELUS Health Virtual Pharmacy is the convenient way for Canadians to access the pharmaceutical services they need to help them stay healthy. From complex medication regimens to refills and private consultations, it empowers members to privately manage their health with text or phone support from caring professionals. Note: Dispensing fee is not applicable to Quebec participants.
HEALTH RISK ASSESSMENT
TELUS LifeJourney includes a Wellness Assessment that is a questionnaire designed to help you gain a high-level understanding of your lifestyle and habits that can contribute to your overall wellbeing. After completing the assessment, you’ll receive a wellbeing score based on three categories (move, feel, mind), which will be used to curate articles in your personal content library.
  • While this tool is available to you year-round, during re-enrollment you can complete the assessment and receive an additional $120 Healthcare Spending Account credit.
WORKPERKS
Discounts to help you and your family save on life’s essentials, comforts, and joys. WorkPerks can help you save $1000s every year with special discounts on home electronics and entertainment, restaurants, health and wellness, apparel and so much more.
CALM MINDFULNESS APP
Free subscription to the world’s #1 app for mental health. Helps lower stress, anxiety, improved focus, and more restful sleep. Whether you have 30 seconds or 30 minutes, Calm content is made to suit your schedule and needs ranging from kids content, sleep, music, meditations, movement, focus, and more.


OPTIONAL COVERAGE**
OPTIONAL EMPLOYEE LIFE
  • $10,000 increments
  • Maximum of $350,000
OPTIONAL SPOUSAL LIFE
  • $10,000 increments
  • Maximum of $350,000
OPTIONAL AD&D
  • $10,000 increments
  • Maximum $350,000
**100% of premiums paid by employee, subject to approval by insurer

Some benefits are taxable (all taxable in Quebec) – At the beginning of every year, you’ll get a T4/RL-1 for the insurance premiums the plan has paid on your behalf – in the previous calendar year – for basic life insurance and basic AD&D.

COVERAGE RULES

Eligibility - 25 hours per week

Waiting Period for Benefits - First of the month following one full month of employment

Plan Year – Calendar Year

Termination – Retirement or Cease employment

Survivor Benefit – Dependents covered for 24 months after date of death

Dependent Termination Age for Health & Dental Benefits - 22, or 26 if in school on a full-time basis

Employee Cost – $0, except where LTD current cost-sharing is applicable; and optional insurance

Lock-In Rules – Changes only at re-enrollment or with life event

Default – New hires: Medical Plan Level 3, Current employee: Current plan selection

Re-enrollment – Every two years (starting Jan. 1, 2024)