Unibenco Inc. > Group > Group Benefits

Life

The life insurance benefit covers you with an insured amount payable upon your death to your last named beneficiary. You may name anyone you please as your beneficiary, and you may change your beneficiary at any time, subject to the laws of your province.
Death a result of suicide is not covered if it occurs within two years of coverage becoming effective or within two years of the effective date of any increase in the Optional Benefit.

Accidental Death and Dismemberment

This benefit will provide coverage in case of accidental death (meaning a single, sudden, violent, unintended, unexpected, external event that causes a loss, independent of any other cause) or dismemberment.)

Dependent Life

This benefit covers your spouse and children with an insured amount payable if your spouse or one of your children dies.

Dependents eligible for this benefit include your spouse or common-law spouse and your unmarried dependent children usually under the age of 22 years (26 if attending school on a full time basis).

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Prescription Drugs

Coverage includes drugs and medicines dispensed by a physician or pharmacist only available on the prescription of a physician or dentist to the extent that they are generally recognized as being effective in the treatment of the injury or sickness being treated and are not excessive or unwanted as judged by the generally accepted therapy for such sickness or injury.
Exclusions may vary but normally drugs or medications which may be purchased without a prescription are not covered.

Major Medical

Payment will be made for eligible expenses that you incur in your province of residence, such as accidental dental, ambulance, diagnostic tests, routine eye exam (to age 18), hearing aid and private duty nursing.

Medical Supplies and Appliances

Plans will usually rent, purchase, lend or provide at the option of the company, the durable medical equipment such as diabetic monitoring and administration equipment, artificial limbs, aerosol equipment, orthotic shoe insert appliances, oxygen and oxygen supplies, and others listed in the policy. Maintenance of durable equipment is not considered to be an eligible expense.

Paramedical Practitioners

This coverage pays for services provided by various types of paramedical practitioners, provided that the services are not completed by a relative. Payment will be considered an eligible expense prior to reaching the maximum under any Government Health Insurance Plan.
Paramedical services normally include:

-Acupuncturist
-Chiropodist
-Chiropractor
-Clinical psychologist
-Massage therapist
-Naturopath

-Occupational therapist
-Osteopath
-Physiotherapist
-Podiatrist
-Social Worker (MSW required)
-Speech therapist

Vision

Plans will cover the cost to purchase spectacle lenses and frames or contact lenses. Spectacle frames, lenses, sunglasses, safety glasses or contact lenses are usually covered provided they are prescribed by an ophthalmologist or optometrist. The combined maximum of 24 floating months may usually be applied on towards the cost of laser eye surgery.
Coverage is usually not provided for cosmetic or other special purposes vision aids; duplicate eye glasses or contact lenses; visual training or remedial therapy.

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Basic Coverage

This benefit usually provides coverage for diagnostic services such as oral examinations, x-rays, preventive services (polishing, fluoride, scaling), minor restorative services (caries, trauma and pain control, amalgam and tooth-coloring fillings), prefabricated crowns, root canals, periodontal services ( root planning, occlusal adjustment and equilibrium), denture maintenance (denture relines, denture rebases, resilient liner, denture repairs, denture adjustments) and oral surgery.

Orthodontics

This benefit usually provides coverage for crowns, onlays, dentures and bridgework, denture-related surgical services, denture and bridgework maintenance (denture remakes, denture adjustments, tissue conditioning, and bridgework repairs) and orthodontics are covered for a person's age 6 years or over when the treatment starts. A waiting period may apply for this benefit.

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Long Term Disability

The Long Term Disability benefit provides a percentage of the regular income to replace salary or wages lost due to a lengthy disability due to an injury or a sickness. Typically, the disability benefit starts to pay after you have been off work for 1 to 6 months.

If you become disabled due to injury or sickness, the insurer will pay you a monthly amount based on your employer's policy conditions until the coverage period or the maximum age is reached or until you recover, whichever occurs first.

This benefit usually covers recurrence of disability, rehabilitation, partial disability, survivor benefits, cost of living adjustments, limitation and pre-existing conditions.

Short Term Disability

Short Term Disability (STD) benefit provides a weekly income replacement if you become unable to work for a short period of time due to an illness or injury (while you are insured). Typically, STD benefit starts to pay after a qualifying period (e.g. 3 days).

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Critical Illness

Group critical illness provides coverage for full-time employees, under age 65, who are regularly working a minimum of 20 hours per week. The benefit is paid as a lump sum should the employee is diagnosed with one of the illnesses defined in the policy, and the insured person survives for a period of 30 days. The insurance’s coverage may include the following critical illnesses:

Alzheimer’s Disease
Aorta Surgery
Benign Brain Tumour
Blindness
Cancer
Coma
Coronary Artery Bypass Surgery

Deafness
Dismemberment
Heart Attack
Heart Valve Replacement
Loss of Speech
Major Organ Failure
Major Organ Transplant

Motor Neuron
Multiple Sclerosis
Occupational
Paralysis
Parkinson’s
Severe Burns
Stroke

The policy will not cover pre-existing conditions, defined as a sickness suffered from or injury sustained by an insured person for which he or she sought or received medical advice, consultation, investigation, diagnosis, or for which treatment was required or recommended by a physician during the 24 months immediately prior to the insured person’s effective date of insurance.

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