Unbeatable
Service
Your Chambers
Plan Agent and the Service Centre can provide answers when you
need them. You and your employees can call or fax us toll free,
or use the internet. And if you're waiting for a dental or
health claim, our standard is a 48 hour turnaround.
Click on the
benefits that interest you for a brief description of coverage
features. Remember, each type of coverage is available with
various levels of benefits.
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 covering either the
first 30 or 60 days of an employee's trip. 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.
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.
Basic Employee
Life /Accidenta Death and Dismemberment (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 $25,000 ($20,000 for insureds 56 years of
age and older) on the initial occurrence of one of thirteen
covered conditions. These include cancer, heart attack,
Parkinson's Disease, Multiple Sclerosis, burns, coma, loss of
speech, coronary by-pass, stroke, kidney failure, paralysis,
deafness and blindness.
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 agent 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 agent can help you design a program that fits
your company’s needs and budget.
Best Doctors®
Best Doctors®
provides valuable resources to people facing a range of serious
medical conditions. Starting with its Interconsultation Service,
Best Doctors supports the employee or family member and their
attending physician by reviewing the patient's file, confirming
the diagnosis, and identifying the most appropriate treatment.
Patients can also use FindBestDoc® and FindBestCare® services
to help them plan and implement their treatment programs.
Employee
Assistance
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 for each employee annually and employees can access
the service 24/7.
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.
Dependents 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.
Registered
Retirement Savings (RRSP)
The Chambers Plan
provides a group RRSP to help your employees save for
retirement, without cost to the employer. They can make regular
payroll contributions and get immediate tax relief, or they can
make lump sum contributions at any time, all with a minimum of
just $50 per contribution. The plan offers a wide variety of
mutual fund investment choices, as well as term deposits and
employees have on-line access to mange their assets and
accounts.
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.
