Go from “oh no” to “where have you been all my life” for every challenge life throws at you with our optional add-ons.
Group Life & Disability Insurance
Travel & Major Medical Insurance
Guaranteed Critical Illness Coverage
Diagnostic & Specialist Access Insurance
Family is our biggest asset - protect the ones you love.
Who benefits most?
You’re a small business owner who wants peace of mind that your family has financial security in the event of an unforeseeable event. At a high-level, the group life & disability plan offers some financial security for your employees and their families in the event of an accident, illness, or death.
Life Insurance
Help your employees feel secure in knowing that in the event of an accident or death, financial support is available. The lump sum payout allows the family to help cover funeral costs and any outstanding debts they may have.
Accidental Death and Dismemberment (AD&D)
Accidents can happen in an instant! Our Accidental Death and Dismemberment (AD&D) coverage provides your employees with added financial security if they are faced with sudden and tragic circumstances.
Dependent Life Insurance
Dependent Life Insurance gives your employees coverage for their eligible dependents in the event of their death.
Long Term Disability
The truth is, when you or your employees are unable to work due to an illness or injury, your income stops, but the bills don't. Help protect your income with Long Term Disability (LTD) Insurance. It’s helps replace lost income so you or your employees can keep paying those bills.
Who’s eligible for this plan?
You must have an existing BeneFitsMyWay Health Spending Account (HSA) as this is an optional add-on benefit. In addition, you must have three or more employees to apply.
Away or at home, we have you covered!
Buy nowWho benefits most?
If you take more than one trip per year, the cost of annual travel insurance is usually more affordable than buying separate policies and you avoid the hassles of remembering to buy travel insurance prior to each trip.
As well, when you're at home, Major Medical coverage protects you and your family from unforeseen accidents, sickness, or diseases.
TRAVEL INSURANCE
Medical Assistance
- $1 Million in Coverage per person, per trip
- 60 days per trip
- Medical expenses are guaranteed or advanced to service provider
- Transportation to a medical facility
- Referrals to physicians, pharmacists and medical facilities
Family Service and Support
- Travel expenses if stranded due to a medical emergency
- Accompaniment home for dependant children
Additional Services
- Return home of rental or personal vehicle
- Interpretation services
- No deductible
MAJOR MEDICAL
- Emergency and non-emergency medical injury or sickness while in Canada
- Up to $125,000 per year per person per injury or illness – in the following areas:
- - Hospital Charges
- - Prescription Drugs
- - Nursing Services
- - Ambulance Service
- -Services of licensed practitioners i.e. Chiropractor, Osteopath, Speech Therapist
- $2,500 deductible per person. This deductible is eligible to be claimed through your Health Spending Account with BeneFitsMyWay.
What Does It Cost?
| Single coverage 49 & under | $21.95 |
| Single coverage 50+ | $26.95 |
| Family coverage 49 & under | $32.95 |
| Family coverage 50+ | $39.95 |
Who’s eligible for this plan?
You must have an existing BeneFitsMyWay (HSA) as this is an optional add-on benefit. In addition, all employees must be included in this group plan. Note: this plan is only available to age 70.
Canadians are diagnosed with cancer, heart attacks and strokes every day. This plan doesn’t prevent a critical illness, but it helps ease the financial pressures by paying a tax-free lump sum in the event you are diagnosed with a covered illness.
Buy nowWho benefits most?
People who don’t want to cash in their retirement savings or sell their house in the event of a critical illness.
Even if you drink 10 lemongrass shots every morning, you’re not invincible. One of the best parts about this plan is that if you are diagnosed with a covered critical illness, you have financial protection.
What's included?
- Aortic surgery
- Benign brain tumour
- Blindness
- Cancer (life-threatening)
- Coma
- Coronary artery bypass surgery
- Deafness
- Dementia, including Alzheimer's disease
- Dilated cardiomyopathy
- Fulminant viral hepatitis
- Heart attack
- Kidney failure
- Loss of speech
- Major organ failure on waiting list
- Major organ transplant
- Motor neuron disease
- Multiple sclerosis
- Muscular dystrophy
- Occupational HIV infection
- Paralysis
- Parkinson’s disease and specified atypical Parkinsonian disorders
- Primary pulmonary hypertension
- Severe burns
- Stroke
* Pre-existing conditions – please refer to policy
For your dependent child:
- Life-threatening cancer
- Blindness
- Major burns
- Coma
- Deafness
- Major organ transplant
- Paralysis
- Loss of speech
- Cerebral palsy
- Congenital heart disease
- Cystic fibrosis
- Down syndrome
- Cognitive impairment
- Muscular dystrophy
- Spina bifida
- Cystica
This guaranteed benefit offers $10,000 for each of the children in your household for only $10/month
What Does It Cost?
For members and spouses
| Age | Non-Smoker* | Smoker |
|---|---|---|
| 15-39 | $12.50 | $15.00 |
| 40-49 | $17.50 | $27.50 |
| 50-54 | $25.00 | $45.00 |
| 55-59 | $35.00 | $75.00 |
| 60-64 | $50.00 | $117.50 |
| 65 | $55.00 | $130.00 |
| 66 | $60.00 | $140.00 |
| 67 | $65.00 | $150.00 |
| 68 | $70.00 | $165.00 |
| 69 | $75.00 | $180.00 |
Notes:
To qualify for non smoker premiums you must not have smoked any cigarettes, cigarillos, cigars, marijuana, used pipes or chewing tobacco or any nicotine products (patch, gum, etc.) within the past 12 months.
This guaranteed benefit offers $10,000 for each of the children in your household for only $10/month
Who’s eligible for this plan?
Why do I need critical illness coverage?
What can I use my benefit proceeds for?
If I have life insurance, do I really need critical illness coverage?
Is there a waiting period before I receive my benefit?
Can I go back to work and still receive the payments?
Will I continue to pay premiums after I make a claim?
Is there anything the plan does not cover?
- Cancer claims made within 90 days following the effective date of your coverage.
- Pre-existing conditions for a period of 24 months prior to the effective date of your coverage
On average, Canadians wait 34 weeks to see a specialist. Getting your concern diagnosed by a specialist quickly is the number one priority!
Who benefits most?
If you’re interested in reducing your wait times by up to 75%, this plan is a perfect fit. In addition, if you don’t want to wait more than 34 weeks to see a specialist, this is one of the best ways to make sure you and your family get the treatment you need when you need it.
What's included?
- Lifetime benefit maximum of $1,000,000 USD
- Covers the cost of MRI’s, CT Scans and Specialist consultations
- Covers pre-existing conditions after policy has been in effect for 24 consecutive months.
- Covers approved travel expenses for diagnostics
- No deductible or co-payments
- No need to pay up front and be reimbursed, plan pays service provider directly
- No medical questions
- No medical underwriting or evidence of insurability required
Covered Specialists
- Orthopedics
- Cardiology
- Neurology
- General Surgery
- Gastroenterology
- Ear, Nose & Throat
- Ophthalmology
- Urology
- Rheumatology
- Spine Team
What Does It Cost?
$20.00 per adult/month
$20/ month per adult & an additional $20/ month covers all of your elligible dependent children. Please note that your coverage for your children could be as low as $1 /month per child if you’re have 20 children. :)
Who’s eligible for this plan?
You must have an existing BeneFitsMyWay Health Spending Account (HSA) as this is an optional add-on benefit.
Is there an age limit?
Employees are eligible until age 74