The Benefits At-a-Glance summarizes the coverage available to you under the CUPE plan. It does not describe all the benefit details. Certain limitations and conditions apply. See the exclusion sections for each benefit for more information. Coverage shown is per insured person and per calendar year, unless otherwise stated.
Overview
Health
Supplements your provincial health coverage.
| Reimbursement* | |
| Prescription drugs
(mandatory generic substitution) |
|
| Hospital accommodations |
|
| Paramedical practitioners | 100%
|
| Eye exams | 100%
One eye exam every 24 consecutive months
(every 12 consecutive months for children age 18 and under) |
| Eye glasses or contact lenses | 100%
$250 maximum once every 24 consecutive months
(every 12 consecutive months for children age 18 and under) |
| Private-duty nursing | 100%
$5,000 maximum per calendar year |
| Medical supplies and prosthetics | 100% |
| Other eligible expenses | 100% |
|
Treatment must be completed within 12 months of the accident |
|
Transportation to the nearest hospital for necessary emergency treatment |
|
1 pump per lifetime |
|
$900 maximum per ear every 5 calendar years |
|
$240 combined maximum every calendar year |
| * Expenses are reimbursed based on Canada Life’s assessment of reasonable and customary fees. | |
Travel
Supplements your provincial health coverage.
| Reimbursement | 100% |
| Emergency out-of-province / country health care |
$1 million maximum per emergency
(must be covered under provincial plan) |
| Travel assistance | 24/7 services
|
Dental
Provides coverage for a variety of dental procedures.
| Reimbursement | |
| Preventative services
(e.g., oral exams, cleaning and scaling of teeth, fillings and x-rays) |
80%
Recall exams once every calendar year |
| Maintenance services
(e.g., oral surgery and periodontic and endodontic care) |
80% |
| Major restorative services
(e.g., dentures, crowns and bridges) |
50%
$1,000 maximum per calendar year |
| Orthodontics (braces) |
50%
$3,000 lifetime maximum |
| Dental fee guide | Current year fee guides for general practitioners and specialists (if applicable) |
Basic Life and AD&D Insurance
Provides financial security if you or a dependent dies or suffers a severe injury as a result of an accident.
| Coverage | Basic Life | Basic AD&D |
|
$50,000
($45,000 for basic life and
$5,000 for blanket life)
|
$50,000
($45,000 for basic AD&D and
$5,000 for blanket AD&D)
|
|
$4,000 | – |
|
$3,500 per child | – |
Optional Life, AD&D and Optional Critical Illness Insurance
Provides additional financial security to enhance your basic coverage.
| Coverage | Optional Life | Optional AD&D | Optional Critical Illness |
| For you | $300,000 maximum (in units of $10,000) |
$300,000 maximum (in units of $10,000) |
$250,000 maximum (in units of $10,000) |
| For your spouse | $300,000 maximum (in units of $10,000) |
50% of your optional AD&D coverage
(60% if you have no children) |
$250,000 maximum (in units of $10,000) |
| For your children | $10,000 per child | 15% of your optional AD&D coverage if you have a spouse $20,000 maximum per child |
Not available |
| Proof of good health | Required for amounts above $30,000 | Not required | Required for amounts above $50,000 |
Long-Term Disability
Provides important financial security in the event that your income is interrupted by an illness or injury and you are unable to work.
| Benefits paid | 70% of your monthly earnings (indexed annually) | |
| Maximum | $6,000 per month
(limited to 85% of your pre-disability income when all sources of income are combined) |
|
| Waiting period | 4 months or when sick leave benefits with your employer expire, whichever is later | |
| Duration of benefits | Until age 62, recovery or retirement, whichever occurs first | |
| Benefits taxable | Yes | |