Frequently Asked Questions – RETIREMENT
Retiree benefits are available to plan members aged 55+ and leaving employment permanently (retirement):
Dental: Single, Couple, or Family coverage
Extended Health: Single, Couple, or Family coverage
The cost is calculated to equal the employer and employee premiums plus a $3.00 monthly administration fee.
· No upper age limit. Renewable yearly.
· No medical exam is required.
· Dental Coverage is the same as an active employee. (Please refer to the retiree booklet for details. Canada Life will pay the cost based on the provincial Dental Fee Guide)
o Preventive coverage 100% preventive covered costs with no deductible
o Maintenance coverage 100% maintenance covered costs with no deductible
o Major restorative coverage 50% of Major restorative covered costs with no deductible, $1,000 maximum limit per person in a calendar year
o Orthodontic coverage 50% orthodontic covered cost with no deductible, $3,000 maximum limit per person in a lifetime
· Extended Health Coverage is the same as an active employee except for emergency travel insurance. (Please refer to the retiree booklet for details)
o Prescription Drugs
o Hospital accommodation
o Laser eye surgery, eye examinations, prescription eyeglasses, or contact lenses
o Medical services and equipment – for additional detail, please refer to the retiree booklet
o Ambulance services
o Dental accident
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Coverages |
Plan maximum & frequency |
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Acupuncture |
$500 per calendar year(s) |
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The following 2 coverages combine to: |
$500 per calendar year(s) |
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Athletic Therapist |
Athletic Therapist, Physiotherapy, Combine to: $500 per calendar year(s), Occupational Therapist is included. |
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Physiotherapy |
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The following 2 coverages combine to: |
$500 per calendar year(s) |
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Chiropractor |
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Chiropractor X-Rays |
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The following 2 coverages combine to: |
$500 per 4 calendar year(s) |
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Hearing Aid Repair or Adjustment |
Hearing Aid Repair or Adjustment, Hearing Aids, Combine to: $500 per 4 calendar year(s), Hearing aid batteries are not covered. |
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Hearing Aids |
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Massage Therapy |
$500 per calendar year(s) |
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Naturopath |
$500 per calendar year(s) |
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Orthopedic Shoes |
1 occurrence(s) per calendar year(s). You may be eligible for more services than those shown in your maximum. Please contact a customer service representative for assistance. |
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Orthotic Appliances |
$300 per 2 calendar year(s) |
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The following 2 coverages combine to: |
$500 per calendar year(s) |
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Osteopath |
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Osteopath X-Rays |
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The following 3 coverages combine to: |
$500 per calendar year(s) |
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Podiatrist |
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Podiatrist Surgery |
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Podiatrist X-Rays |
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The following 3 coverages combine to: |
$1,000 per calendar year(s) |
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Psychologist Office Visit |
Psychologist Office Visit, Psychologist Testing, Social Worker, Combine to: $1,000 per calendar year(s), Registered Clinical Counsellors are covered for BC residents. |
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Psychologist Testing |
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Social Worker |
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Speech Therapy |
$1,000 per calendar year(s) |
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Other Coverage |
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Accidental Dental |
Covered |
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Travel Assistance |
Covered |
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Employee and Family Assistance Program |
Covered |
o Out-of-Province/Country coverage is limited to $500,000.00 per covered person.
o Family and Employee Assistance Program
· You enroll and pay the Benefits Administration Office directly.
If you want to join the retiree plan, please complete the following forms.