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Life Insurance and Accidental Death and Dismemberment (AD&D)

Life Insurance provides employees with basic insurance protection and the opportunity to supplement their coverage with optional life insurance, both payable to the designated beneficiary. Accidental Death and Dismemberment (AD&D) provides employees with adequate protection in case of accidental death* or dismemberment.
 
* Life insurance doubles in the event of accidental death.
 
Relevant Documents 

Short and Long Term Disability

For life's most unexpected moments, supplemental insurance coverage protects employees and their loved ones when they need it the most.

  • Short Term Disability provides employees with the means to meet their continuing financial obligations in the event of short-term disability resulting from an accident or illness.
  • Long Term Disability provides employees with the means to meet their continuing financial obligations in the event of long-term disability resulting from an accident or illness.

Relevant Documents 

Health Care

Health coverage helps to offset medical costs (like treatments and prescription drugs) for employees and their dependants.

Extended Health CareA wide range of coverages, designed to meet every need.
  • Pays a percentage of eligible expenses
  • Wide range of coverage
  • Flexible paramedical coverage amounts
  • Annual deductible available

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Drug CardNo matter where you are in Canada, Assumption Life’s drug and dental card is accepted.
  • Direct reimbursement
  • Employee pays only a percentage of invoice
  • Additional cards for other family members
  • Accepted everywhere in Canada
  • Covers emergency prescriptions in U.S.
  • All employees registered for the drug benefit have a drug card

Relevant Documents 
VisionFrom routine exams to surgeries, vision coverage protects employees and their dependents.
Pays a defined maximum amount.
  • Per 24 consecutive months for eyeglasses, contact lenses and eye exams.
  • Per 12 consecutive months for children under 18

Relevant Documents 
HospitalizationFrom accidents and illnesses, to chronic conditions, hospitalization coverage puts the focus on recovery.
  • Private or semi-private hospital room
  • Direct payment to the hospital
  • Pays 100% of eligible expense

Relevant Documents 
Travel InsuranceAllows employees to enjoy peace of mind while travelling.

Pays 100% of eligible expenses up to a maximum of $2,000,000.

Relevant Documents 

Second Medical OpinionAllows employees and their dependents to receive expert second opinions.

Second Opinion works with a Canada-wide network of medical specialists allows the patient to receive a second medical opinion report for one of the serious medical conditions covered under the plan through consultation with a Canadian specialist(s) or appropriate US hospital and get medical coordination*, including financial discounts whenever possible, for travelling to see a US/worldwide medical specialist, if required.

The Novus Health Medical Team offers leading support uses the best medical practices and collaborates with the participant’s medical practitioners. We leverage our Canadian direct network of medical specialists to obtain the best medical diagnostic and treatment opinions. When needed, we call upon our worldwide Preferred Provider Organizations, our HMO network in the U.S. and their Centers of Excellence.

  • No age limit
  • The service is available Monday through Friday, 8 a.m. to 11 p.m. Eastern Standard Time
  • Bilingual service (English and French)
  • A wide variety of illnesses and infections covered
Second Opinion is responsible for:
1. Locates Canadian Medical Specialists
Online resources are available and a health information specialist can be reached by telephone to help identify the treating physicians and/or medical specialists in the participant’s area and that is best suited for the specific medical condition.

2. Communicates which medical treatments are accessible in the Canadian healthcare system
Identify the various programs and treatments available in the participant’s area for his or her specific medical condition. The terms and possible risks that can be associated with the treatment options are explained to help the participant make sound decisions.

3. Offers a second medical opinion
Provide a Second Medical Opinion report for important medical conditions. Second Opinion offers a comprehensive review of the participant’s medical file by expert medical consultants across Canada. This review includes:

4. Coordinates medical services*
Upon request, medical coordination services can be provided for the patient to receive a medical treatment outside of the province of residence. Novus Health® can coordinate certain aspects related to medical services such as: 

  • Arranging medical appointments
  • Organizing medical transport
  • Hotel reservations for the patient and/or family
  • Purchase of plane or train tickets etc.
  • Information regarding passports, Visas
  • Fee negotiation for a surgery or specific treatment

* All fees are payable and unique patient's responsibility. Novus Health is committed to coordinate services only.

Accessing Second Opinion Services
To access this service, the member or dependent must call Second Opinion at 1-866-785-3169. The member must provide the group insurance policy and certificate number. The Novus Health® team will then assign an agent to further assist the member or dependent.

About Second Opinion
Second Opinion is a service provided by Novus Health, a privately owned Canadian company founded in 2006. Novus Health offers Canadian organizations custom-designed, turn-key solutions that help members navigate our health care system with ease and confidence. Novus Health provides health navigation and wellness solutions to more than 5 million Canadians.

Dental Care

From routine exams to surgeries, dental coverage offers employees and their dependents peace of mind

  • Alleviates the financial burden of high dental costs on employees and their dependents.
  • Promotes good dental hygiene.
  • Dentists can submit claims directly to Assumption Life.

Relevant Documents 

Cost Plus

Assumption Life's Cost Plus program is an option that can be exercised for all health and dental expenses which exceed the limits outlined in the Benefits Summary or are not covered by the Group Insurance Plan. Expenses which are not covered by law are not included under this option.

Cost Plus offers four distinct advantages:

  • It covers expenses that are not covered elsewhere.
  • The expenses are a tax-deductible business expense.
  • The benefits are a non-taxable income for employees (Not applicable in Quebec).
  • Paid claims have no impact on the group experience.

Relevant Documents 

Health Focus

Included with long-term disability insurance coverage, HEALTH FOCUS offers support services by referral and enables managers and union representatives to refer an employee for professional help so that they can regain their quality of life.

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Critical Illness

They say those who have their health have it all. However, a critical illness can change everything.

Would your employees have the financial means necessary to maintain their lifestyle and meet their financial obligations if they had to deal with a critical illness? Assumption life's Critical Illness Insurance solutions allow employees to focus entirely on getting well.

Assumption Life offers two types of Critical Illness Insurance to groups: the traditional Critical Illness Insurance and the High Severity Critical Illness Insurance.

Critical Illness Insurance

The plan is available to your employees with an option for their dependents. The plan covers 25 critical illnesses and an additional 6 conditions for dependent children.

If diagnosed with one of the 25  illnesses covered, your employee will receive the lump sum set out in your contract to help cover additional expenses along the road to recovery. These can include compensating for sick leave, paying for travel for treatment or paying for home care or treatments not covered by health insurance.

Coverage amounts:

For participant: 1, 1.5, 2, 2.5 or 3x their annual salary; in units of $10,000, up to a maximum of $250,000

For dependents: Spouse: Maximum Coverage of $50,000 Dependent children: Maximum coverage of $25,000 per child

High Severity Critical Illness Insurance

The plan is available to your employees with an option for their dependents and covers 9 critical illnesses. It can provide employees with a more affordable and accessible solution, while offering financial security to those whose has progressed to an advanced stage, causing significant financial hardship.

Coverage amounts:

For the participant: 1, 1.5, 2, 2.5 or 3x their annual salary; in units of $10,000, up to a maximum of $250,000

For dependents: Spouse only: Maximum coverage of $50,000

If diagnosed with one of the 9 critical illnesses covered, your employee will receive a tax-free lump sum set out in your contract to help cover additional expenses along the road to recovery. These can include compensating  for sick leave, paying for travel for treatment or paying for home care or treatments not covered by health insurance.

Relevant Documents