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| Menuflex™ Basic / PLUS
Our flagship plans, the Menuflex™ Basic or Menuflex™ PLUS Programs have been designed for the individual requiring benefits protection, including, but not limited to, casual / contract / full or part-time employees, these plans are fully portable for participants, flexible in design and intended to meet the needs of a wide variety of personal and employment situations. Available coverage includes Extended Health Care, Dental, Paramedicals, Hospital, Out-of-Country,
AD&D, Critical Illness and much more. LEARN MORE... |
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| Menuflex™ Disability / Income Protection Program
Protect your most valuable asset - your ability to work and earn an income. The new Menuflex Income Protection Program™ is designed to
provide a unique combination of monthly income benefits and tax-free lump sum payments in the event you suffer a serious injury or critical illness and are unable to work - temporarily or permanently! The benefits may be purchased separately, but for total, comprehensive income protection we recommend the complete package of protection be purchased together. LEARN MORE...
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| Menuflex™ SELECT
The new SELECT
version of the Program incorporates a 20% co-payment on all benefits. The Extended Health Care (EHC) Benefit pays 80% of all eligible expenses up to a maximum of $25,000 per person per policy year. The Dental Benefit (which can only be purchased with the EHC) pays 80% of eligible Basic Dental expenses up to a maximum of $1,500 per policy year. (Periodontic services are reimbursed at 50%). LEARN MORE... |
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Menuflex ™ MDSA (Medical & Dental Spending Account)
The new MDSA Program incorporates a "Medical & Dental Spending Account", enabling employers and self-employed individuals to pre-determine and "freeze" their health and dental costs and avoid significant unnual cost increases due to "inflationary trend factors" imposed by insurers in the annual renewal. Best of all, with an MDSA Program, you'll have more flexibility and personal choice
(in terms of what expenses can be claimed and who can be covered), along with much broader basic health & dental coverage. LEARN MORE... |
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| Odyssey Expatriate Benefits Program
Provides comprehensive worldwide protection for employees and family members on temporary or permanent foreign assignment, including to the USA. Designed specifically to address the increased exposure to unusual risks and much higher health care costs abroad, available coverage includes: Medical, Dental, AD&D, War Risk &
Terrorism, Long Term Disability, Emergency Medical Evacuation, Group Life and more. The Odyssey™ Program can also be used for employed impatriates. LEARN MORE... |
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| Menuflex™ Basic / PLUS
Our flagship plans, the
Menuflex™ Basic or Menuflex™ PLUS
Programs have been designed for the individual requiring benefits protection, including, but not limited to casual / contract / part-time employees, these plans are fully portable for participants, flexible in design and intended to meet the needs of a wide variety of personal and employment situations.
These plans are easily offered on a voluntary participation basis without any minimum participation required from an employer group. They do not change the employment relationship
with contract workers, and there is no administration involvement for the employer! Available coverage includes Extended Health Care, Dental, Paramedicals, Hospital, Out-of-Country, AD&D, Critical Illness and much more. LEARN MORE... |
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Sponsored Programs
Sponsored Programs have been custom-tailored to suit the needs of a specific company or organization. As such, each program is intended for and only available to eligible members or employees.
If you have been referred here by, or if you belong to one of the organizations below, follow
the appropriate link to access information and coverage options specific to your program. Interested in a Sponsored Program for your organization? Please Contact Us.
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| Menuflex™ Disability / Income Protection Program
Protect your most valuable asset - your ability to work and earn an income. The new Menuflex Income Protection Program™ is designed to provide a unique combination of monthly income benefits and tax-free lump sum payments in the event you suffer a serious injury or critical illness and are
unable to work - temporarily or permanently! The benefits may be purchased separately, but for total, comprehensive income protection we recommend the complete package of protection be purchased together. LEARN MORE... |
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| Menuflex™ SELECT
The new SELECT
version of the Program incorporates a 20% co-payment on all benefits. The Extended Health Care (EHC) Benefit pays 80% of all eligible expenses up to a maximum of $25,000 per person per policy year. The Dental Benefit (which can only be purchased with the EHC) pays 80% of eligible Basic Dental expenses up to a maximum of $1,500 per policy year. (Periodontic services are reimbursed at 50%). LEARN MORE... |
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Menuflex ™ MDSA (Medical & Dental Spending Account)
The new MDSA Program incorporates a "Medical & Dental Spending Account", enabling employers and self-employed individuals to pre-determine and "freeze" their health and dental costs and avoid significant unnual cost increases due to "inflationary trend factors" imposed by insurers in the annual renewal. Best of all, with an MDSA Program, you'll have more flexibility and personal choice
(in terms of what expenses can be claimed and who can be covered), along with much broader basic health & dental coverage. LEARN MORE... |
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| Odyssey Expatriate Benefits Program
Provides comprehensive worldwide protection for employees and family members on temporary or permanent foreign assignment, including to the USA. Designed specifically to address the increased exposure to unusual risks and much higher health care costs abroad, available coverage includes: Medical, Dental, AD&D, War Risk &
Terrorism, Long Term Disability, Emergency Medical Evacuation, Group Life and more. The Odyssey™ Program can also be used for employed impatriates. LEARN MORE... |
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| Odyssey Expatriate Benefits Program
Canadian
employers are increasingly sending employees on temporary foreign assignment to pursue new business opportunities around the globe. These employees are often exposed to unusual hazards and dramatically higher health care costs in their foreign business responsibilities and travel.
The typical Canadian travel insurance, credit card or group insurance program contemplates and only covers occasional business or vacation travel outside of the country. Canadians going to work on
foreign assignment need something different. They need the Odyssey™ Expatriate Benefits Program.
Provides comprehensive worldwide protection for employees and family members on temporary or permanent foreign assignment, including to the USA. Designed specifically to address the increased exposure to unusual
risks and much higher health care costs abroad, available coverage includes: Medical, Dental, AD&D, War Risk & Terrorism, Long Term Disability, Emergency Medical Evacuation, Group Life and more. The Odyssey™ Program can also be used for employed impatriates. LEARN MORE... |
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| Menuflex™ Retiree Benefits Program
This Program, available for retiring/terminating employees, has emerged as a popular solution both for individuals and for employers concerned with the new CICA regulations.
Participants enjoy comprehensive, affordable group benefits including Extended Health Care Benefits, Prescription Drugs, Hospital, Dental Benefits, Out-of-Country, Paramedicals and more!.
Available for purchase up to age 75 and once approved, participants can continue coverage up to age 90. LEARN MORE... |
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