Voluntary Benefits

Voluntary benefits give employees the opportunity to enhance their current coverage with supplemental options like critical illness and life insurance. These benefits offer an extra layer of protection for plan members, in conjunction with your existing employer group benefits plan.

These product policies are “Guaranteed Issued” - this means you’ll NOT be required to fill out any forms questionnaire, undergo any medical exam or go through a medical underwriting process. This great feature is only be offered during the initial “Open Enrollment” period.
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Additionally, you enjoy the flexibility and portability offered by these products. If you leave your employer group benefits plan, you never lose access to voluntary benefits coverage.
We offer this bespoke suite of products for a limited time “Open Enrollment” period, at significantly discounted value as compared to market rates.
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What Voluntary Benefits Are Available?

Guaranteed Issue Life Insurance
Life insurance that protects your family when you are gone with non-taxable cash benefits. Life insurance provides funds to settle your affairs and replaces future earnings to ensure quality of life for your loved ones for years to come. This policy is Guaranteed Issued (GI) (this means you will NOT be required to go through underwriting questions or a medical exam) Generally GI will only be offered during the initial Open Enrollment period. Life insurance helps you with final expenses. It assists your family/beneficiary responsible for covering the cost of a funeral, debt and the living expense for any dependents in need.
Guaranteed Issue Critical Illness Insurance for Employee & Family

A Critical Illness diagnosis changes your life in an instant. Impaired function, appointments, treatments, and medications can be overwhelming. Critical Illness Insurance provides financial support and guidance if you are diagnosed with a critical illness.

Why Is Critical Illness Coverage Important?‍

  • Cancer, heart disease and stroke are responsible for over 50% of the deaths in Canada. *
  • 9 in 10 Canadians have at least one risk factor for cardiovascular disease. *
  • On average, 641 Canadians are diagnosed with cancer every day. **

If ever diagnosed with a covered critical illness, you will receive a cash benefit based on the percentage payable for the condition. If you have a question regarding a diagnosed or suspected critical illness, or need help filing a claim, a Nurse Navigator can help address your concerns. Covered critical illnesses include: heart attack, stroke, major organ failure, kidney failure, carcinoma in situ, invasive cancer, Alzheimer’s and Parkinson’s disease, amyotrophic lateral sclerosis (ALS) and more – depending on which coverage is selected.
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*CPHD Report on the health status of Canadians 2022 https://www.canada.ca/en/public-health/corporate/publications/chief-public-health-officer-reports-state-public-health-canada/2018-preventing-problematic-substance-use-youth.html

‍**Canadian Cancer Society – Cancer statistics at a glance.www.cancer.ca
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Guaranteed Issue Faster Diagnostic & Imaging Services

This coverage is designed to provide accelerated access to diagnostic and imaging services, primarily through its Expert Medical Services and Elite Diagnostic Imaging programs, which are designed to reduce wait times for critical tests like MRIs and CT scans. These services allow members to bypass long, traditional waitlists and obtain diagnostic clarity, often within a few days.

Key Aspects of Diagnostic & Imaging Services:

  • Rapid Imaging Access: Through the Elite Diagnostic Imaging service, eligible members can secure MRI or CT scans in a matter of days rather than weeks or months.
  • Expert Medical Opinion: Teladoc connects members with world-renowned specialists to review medical records, pathology, and imaging studies, ensuring accuracy in diagnosis and treatment plans.
  • Comprehensive Support: A Registered Nurse (Member Advocate) is assigned to coordinate the logistics, including collecting medical records, imaging studies, and pathology samples at no extra cost.
  • Virtual Care Integration: These services are integrated into their virtual primary care and emergency care platforms, allowing for seamless referrals and follow-up.

Key Benefits of the Program:

  • Faster Results: Patients often receive their imaging results and expert opinions within a few days.
  • Specialized Review: Experts review complex cases to confirm diagnoses or suggest changes to treatment, reducing unnecessary procedures.
  • Convenience: The process is managed remotely, eliminating the need for extensive travel or in-person waiting for initial consultations.
Guaranteed Issue Global Private Health Insurance

This coverage is designed to provide you with specialized, premium, and VIP-level health insurance services to individuals. It provides high-quality, international private medical insurance, offering Canadians and expats worldwide coverage, including access to top-tier global medical providers. The Prestige VIP plans offer premium, comprehensive, and tailored coverage for individuals, featuring 24/7 service and a dedicated Second Medical Opinion VIP program.

Key Features of this Insurance coverage:

  • Worldwide Coverage: Access to top hospitals and doctors globally, including in Canada.
  • Prestige VIP Plans: Comprehensive health coverage with flexible deductibles and high policy limits.
  • Second Medical Opinion VIP: A standout service that provides a review of a medical case by world-renowned specialists, included without a deductible in Prestige VIP plans.
  • Target Market: Designed for expats, high-net-worth individuals, and corporations looking for superior, flexible, and fast-access health coverage.
  • Tax Benefits: Plans may be eligible for Private Health Services Plan (PHSP) and Health Spending Account (HSA) tax deductions in Canada.
  • Digital Access: The program portal and app allow members to manage claims, view policy information, and access digital cards.
Affordable Telemedicine Services

Our premium virtual healthcare solution offers plan members an instant connection with Canadian-licensed healthcare professionals for effective online medical care. The integrated solution ensures true continuity of care with interaction with a healthcare professional from the first call and a seamless and intuitive patient experience.

This is an efficient solution with no more travel time; no more busy waiting room; Sick notes obtained digitally; In-clinic healthcare professional visits only if needed; Preparation of prescription, plus free delivery.

There is absolute ease of accessibility with service being available 24/7; Dedicated Canadian-licensed healthcare professional(s); Swift medical advice, diagnosis and treatment; and access to a healthcare professional within minutes on any device, anytime.

This product can help you improve your overall health and well-being, save time, reduce absenteeism, and enhance overall productivity.

How Do I Learn More and Sign Up?

Contact us to book a personalized one-on-one meeting with one of our dedicated benefits coaches. They’ll walk you through your current coverage, highlight any gaps, and help you explore the best options to protect your life, health, and family with additional insurance solutions.
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How Does This Program Offer Value To Employers?

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Education:

We provide one-on-one meetings with your staff—either in person or via video—where a benefits coach will guide them through their current coverage and ensure they fully understand the options available to protect their life, health, and family through insurance.

Compliance:

This approach helps employers demonstrate that staff were given the opportunity to enroll in appropriate coverage—at competitive rates, without medical requirements, and tailored to their needs. It also reduces the risk of future disputes or workplace conflict if an employee becomes ill, injured, or passes away, by ensuring there is clear understanding of the benefits available through their workplace.

Pay Requirement:

A key feature of these voluntary benefits plans is that there is no mandatory employer pay requirements.