Benefit Coverages

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Click on the benefits that interest you for a brief description of available coverage. Remember, each benefit has numerous selections, from basic to comprehensive options.

Benefit Coverages

Health Benefits

Our plans provide from 50% to 100% coverage of eligible expenses. There are no overall maximums, but some specific items or services have annual or lifetime maximums.

Employees use health benefits most frequently to cover prescription costs. We offer traditional paper claim plans as well as ASSURE drug card plans, which provide benefits instantly at the pharmacy. Our health plans also cover major medical expenses like paramedical services (chiropractors, massage therapist, podiatrists, etc.), semi-private hospital, nursing care, ambulance, and medical appliances. These extended health care expenses can be covered with or without prescription drug benefits.

All health options include emergency medical assistance and a Voyage Assistance program with a 24-hour global help line. The plan design you choose applies to all employees but individuals may opt out of health insurance if they have a similar plan through another source. If that coverage ends, your employee has 60 days to join this plan.

Learn even more about what's covered under our Health options.

Dental Benefits

Choose from a wide range of dental options for employees and their families. Basic dental programs are available to firms of all sizes. This coverage can include exams, basic restorative procedures, periodontal and endodontic services (including root canals), and repairing, rebasing and relining dentures.

Major dental benefits including crowns, is available to firms of 3 or more employees and children's orthodontics can be covered in firms of 10 or more employees. The plan design you choose applies to all employees but individuals may opt out of dental if they have a similar plan through another source. If that coverage ends, your employee has 60 days to join this plan.

Learn even more about what's covered under our Dental options.

Basic Employee Life/AD&D

Each Chambers Plan includes employee life insurance plus an additional benefit if an employee dies accidentally. Many firms choose a basic level of coverage of $25,000 per employee, or an amount related to each individual's salary. This insurance also pays employees specific amounts if they suffer a serious injury, like loss of hearing or sight.

Group Critical Illness

This benefit pays a lump sum benefit of up to $30,000 on the initial occurrence of one of twenty-five covered conditions. These include:

Alzheimer’s ● Aortic Surgery ● Aplastic Anemia ● Bacterial Meningitis ● Benign Brain Tumour ● Blindness ● Burns ● Cancer ● Coma ● Coronary Bypass ● Deafness ● Heart Attack ● Heart Valve Replacement ● Kidney Failure ● Loss of Independent Existence ● Loss of Limbs ● Loss of Speech ● Major Organ Failure on Waiting List ● Major Organ Transplant ● Motor Neuron Disease ● Multiple Sclerosis ● Occupational HIV ● Paralysis ● Parkinson’s Disease ● Stroke

Weekly Indemnity (Short Term Disability)

This benefit replaces salary during an employee's brief absence from work due to illness or injury. It pays a weekly income of 66 2/3% of gross earnings for employees under age 65 up to $800. Your company chooses from a range of options, deciding how long employees must be off work before they can collect benefits, and the length of time benefits are payable. Some options are designed specifically for Owners. Your advisor can help you design a program that fits your company’s needs and budget.

Long Term Disability (LTD)

This benefit pays an income to employees who face longer term absences from work because of an illness or injury. The LTD option you choose sets out how long employees must be off work before they can collect benefits and the length of time benefits are payable to disabled employees.

Depending on your industry, you can opt to have benefits payable for 2 or 5 years, or to age 65. Chambers Plan LTD coverage provides 24 hour protection and owner’s have access to Employee Assistance services that can help your employees get back to work sooner. Your advisor can help you design a program that fits your company’s needs and budget.

Best Doctors®

What does it mean to access Best Doctors® 50,000 medical specialists? It means the right diagnosis, the right treatment options, faster recoveries and better medical outcomes for your employees. It means help for employees to connect with the best medical care and help in navigating the maze of medical information. It means a registered nurse becomes their personal advocate, and it’s included with every Chambers Plan employee benefit program we offer.

Employee Assistance Program

You can make professional counselling services available to all your employees. It's an effective way to help them deal with serious issues, including relationship problems and dependency issues, before they lead to absences from work or even a disability claim. Coverage provides up to 12 hours of confidential counselling per family annually.

Business Overhead

Owners who choose a Long Term Disability Benefit with the Chambers Plan can also choose Business Overhead Expense benefits that pay a variety of business expenses including rent, electricity, phone bills, leases, taxes and some salaries. Business Overhead Expense coverage keeps your business going when your disability won’t let you.

Dependent Life Insurance

Three levels of coverage are available covering an employee’s spouse and children. The Plan offers an option with a $5,000 benefit for the spouse combined with $2,500 for each child, a $10,000 / $5,000 benefit and a $15,000 / $7,500 benefit.

Group Optional Life

This benefit lets employees top up their group life insurance with an amount they choose and pay for. Spousal coverage is also available, as are children's benefits if either parent participates in the program.

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