Customize & enhance your coverage with these Optional Benefits.

Under the Menuflex™ MDSA Benefits Program, participants may also purchase Optional Insurance Benefits to achieve comprehensive financial protection for themselves and their families. In general, the cost of all Optional benefits will be the full responsibility of the employee. Premiums will be collected via payroll deduction or direct bank withdrawal dependent on the benefit selected and employer's payroll deduction capability. The Optional Benefits include:

1. Supplementary Extended Health Care (EHC) Program
2. Dental Expense Program (with the EHC Program only)
3. Accidental Death & Dismemberment Insurance
4. Critical Illness Benefit
5. Disability Insurance Benefits
6. Term or Permanent Life Insurance

a. Supplementary SELECT Extended Health Care (EHC) Program

Benefits are payable per participant or per family per year and are reimbursed at 80%.

Coverage is subject to approval of a Personal Health Declaration by the insurer for each participant and his/her eligible dependents. Coverage may not be available to all applicants, and may be amended based on the information provided in the Personal Health Declaration.

The Supplementary SELECT EHC Program includes the following insured benefits:

Prescription drugs	up to $5,000 per year per person
Semi-private hospital accommodation in Canada	up to $170 per day for up to 30 days policy year
Private-Duty Nursing (out of hospital)	up to $2,000 per policy year
Ambulance services not covered by the provincial Medicare plan	up to $250 per trip
Accidental dental services	up to $2,500/policy year
Medical and Surgical supplies (bandages, dressings, Oxygen and equipment rental, blood glucose monitor)	up to $1,500/policy year
Durable Medical Equipment & Prosthetic Appliances (artificial limbs, eyes, surgical stockings)	up to $1,750/policy year
Orthopedic Footwear	up to $150/policy year
Paramedical Specialists (Chiropractor, Chiropodist, Nutritionist, Osteopath, Podiatrist, Registered Massage Therapist, Physiotherapist / Occupational Therapist, Speech Pathologist)	up to $300 per practitioner/policy year after any provincial Medicare Benefits
Psychologist	up to $360/2 policy years
Home Care Services (after hospitalization)	up to $1,800/policy year
Hearing Aids	up to $300/5 policy years
Eye Glasses/Contact Lenses (6 month waiting period)	up to $150/2 policy years
Out-of-Canada 100% Reimbursement after $100 deductible per claim.	emergency hospital / medical / surgical services during trips of up to 30 days, with a maximum of $1M per policy year, No Deductible
Worldwide Emergency Travel Assistance services	included

Premium rates will be reviewed and are subject to adjustment on August 1st of each year. EHC coverage is "pooled" by the insurer. Thus an individual's claims experience alone will not impact on his/her future renewal premium rates. In most instances the employee will pay the full cost of the EHC premium, however, the employer can contribute to the cost, if desired.

For more detailed info on EHC coverage, click here

b. Supplementary Dental Expense Program
(can only be purchased in conjunction with EHC Program)

Participants have the option of adding a Dental Expense Protection Plan with a $250 deductible per participant or family, so that those with dental expenses not fully covered by the MDSA will have additional protection.

The Basic Services Program pays 80% of eligible expenses, except for Periodontics (50%), up to a maximum of $1,500 per person per policy year. The Program includes a 6-month recall provision for diagnostic and preventive services. The Dental Program does not cover Major Restorative or Orthodontia expenses, as these are best handled under the MDSA.

Dental coverage can only be implemented on the initial date of participation, or the policy anniversary date of August 1st, and must be maintained in effect for a minium of 12 months.

For more detailed info on Dental Expense coverage, click here

c. Accidental Death & Dismemberment Insurance

Under age 45, the largest single cause of death or disability is an accident. Accidents can cause significant financial loss for the victim as well as family members. By purchasing additional AD&D protection, participants can minimize their financial losses and have the funds to cope with unexpected expenses not covered by provincial Medicare Plans or any other insurance plan.

Optional AD&D Coverage is available either for the applicant only, or the applicant and all members of his/her immediate family in increments of $50,000 to a maximum of $300,000.

No health evidence is required.

Protection is provided 24 hours per day, 365 days per year, regardless of where travel, or participation in hazardous leisure time activities takes place. Benefits are payable for loss of life, dismemberment, paralysis.

If family coverage is selected, the spouse is insured for 60% of the selected amount, unless there are eligible dependent children; in that case, the spouse is insured for 50% and each child 15%. If there are only dependent children and no spouse, each child will be insured for 20% of the selected coverage amount.

For more detailed info on AD&D coverage, click here

d. Critical Illness Benefit

Critical Illness Protection is not Life insurance. It is a new type of insurance that pays a  tax-free lump sum benefit after the insured person is diagnosed with any one of the TEN named conditions and survives for a period of 30 days. (For Cancer only, diagnosis must be made 90 days after coverage becomes effective.)

Critical Illness protects against the financial consequences of TEN critical illnesses and conditions which include most of the common life-threatening illnesses face by Canadians today, including:

• Cancer
• Kidney Failure
• Stroke
• Deafness
• Recipient Major Organ Transplant
• Heart Attack
• Multiple Sclerosis
• Paralysis
• Blindness
• Coronary By-Pass Surgery

Benefits are paid based on a specific medical diagnosis, not on an inability to work or proof of  reduction in income. Coverage is renewable on an annual basis to age 65, and terminates at the Policy Anniversary immediately following the insured's 65th birthday.

Coverage may be purchased in the amount of $10,000, $25,000 or $50,000.

Coverage is subject to approval of a separate health statement.

Pre-existing Conditions: No benefit will be payable for a Critical Illness if, during the first 24 months of coverage, the insured is diagnosed with a symptom or medical problem for which treatment was received in the 24 month period prior to the effective date of coverage.

Critical Illness protection may also be purchased for the applicant's spouse. The premium rate for spousal coverage will depend upon the spouse's age, sex and smoker status.

Critical Illness Important Facts

Canadians are concerned with the future of our health care system. Will the care be there when required? Critical Illness insurance provides inexpensive protection to meet your financial needs during a medical crisis.

• disability insurance replaces income but does not cover the added burden of medical expenses
• group health coverage has restrictive limitations and maximums
• social medical care is eroding
• personal retirement savings are not intended to cover medical expenses
• most critical illness victims make a full recovery after a lengthy, expensive treatment  period

Canadian Statistics

• 1 in 2 will contract heart disease
• 1 in 2 heart attack victims are under age 65
• 1 in 3 will develop some form of life threatening cancer
• 1 in 4 currently suffer from cardiovascular disease
• 70% of open heart surgery operations each year are coronary by-passes
• 1 in 4 will suffer kidney failure
• 1 in 20 run the risk of having a stroke before age 70
• 1 in 500 people will suffer from multiple sclerosis
• Heart attack, cancer and stroke were the 3 most common diseases of the 90's
• 1 in 4 will contract cancer or heart disease before they retire
• 2/3 of the cost of cancer treatment is not covered by provincial medical plans
• 30% of cancer victims are completely cured
• 75% of stroke victims survive the initial occurence
• 95% of heart attack victims survive the initial occurrence

Source: STATSCAN

For more detailed info on Critical Illness coverage, click here
 

e. Summary of Disability Insurance Benefits

It's your most valuable asset: your ability to work and earn an income. Yet fewer than 50% of working Canadians have purchased disability insurance to protect this asset. In other words,they "walk a tightrope" without any coverage, perhaps simply hoping it will never happen to them. But disability has no respect for age, occupation, gender, or position when it strikes unexpectedly through sudden illness or accident.

What would you do?
The primary concern of most individuals is their ability to meet their ongoing financial obligations in the event of temporary or long term disability. How would you, and/or your family survive financially if you became disabled and unable to work temporarily or permanently? Take away the ability to earn an income through unexpected injury or illness, and the result can be a financial disaster greater than premature death for the majority of Canadians.

An affordable solution:The new Menuflex™ Disability Insurance Program can assist you in meeting your protection needs at reasonable and competitive cost, while providing you and your loved ones with comprehensive protection against loss of income due to illness, injury or death. With Menuflex™ Disability Insurance, you can walk the tightrope of life knowing there's a financial cushion in place to protect you and your family from any falls.

Available coverage includes:

Accidental Death & Dismemberment

• 24 hour, 365 days per year coverage of up to $500,000;

Temporary Total Disability

• 66.67% of weekly salary to a maximum of $1,000 per week for both accident & sickness;
• covers earnings up to $77,990/annum;

Permanent Total Disability

• provides a lump sum, tax-free payment of up to 5 times gross annual earnings (up to a maximum of $500,000) after 12 months of continuous disability when it has been determined that the insured is "Permanently and Totally Disabled".
• covers you for both accident or sickness.

The Menuflex™ Disability Insurance Program is detailed in a separate section of the website, which you can access here. A separate Application Form & Health Declaration is required for Disability Insurance.

f. Term or Permanent Life Insurance

Program participants and/or their spouses may request costs quotations for Optional Term, Whole or Permanent Life Insurance, in any amount to meet their personal requirements. Premium rates are based on age, sex and smoker status.

For details call Alternative Benefit Solutions at 1-866-636-8359.

On the next page, review the Key Features of Menuflex™ MDSA.