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EXP Services Inc.
Canada Life and design are trademarks of The Canada Life Assurance Company.
79-00739 – 07-22
Your benefits at a glance
We’re pleased to present an overview of the benefits and services available to you and your dependents
through your group benefits plan with Canada Life. More detailed information is available in the
enrolment guide, the benefits booklet and the FAQs, that can be found in Canada Life website at
welcome.canadalife.com/EXP as well as in explore.
For any questions, call 1-888-488-2356 for assis
tance.
Group policy numbers: 175781, 175782, 59262
Employee basic life insurance | Policy # 175781
Option 1 Option 2 Option 3
Benefit formula
100% of annual salary to a
max
imum of $1,250,000
200% of annual salary to
a maximum of $1,250,000
300% of annual salary to a
maximum of $1,250,000
Termination
Your life insurance won’t continue past the end of the day before the date you reach age 65,
y
ou retire or your employment ends, whichever is earlier.
Optional Life insurance | Policy # 175782
To be eligible for Optional Life insurance, you must have chosen option 3 employee
basic life Insurance
Employee
Available in $10,000 units to a maximum of $500,000, subject to approval of evidence of
in
surability
Spouse
Available in $10,000 units to a maximum of $500,000, subject to approval of evidence of
in
surability
Child Available in $5,000 units to a maximum of $25,000
Combined
maximum
Your employee basic life and Optional Life are limited to a combined maximum of
$1,
500,000
Termination
Your and your children’s optional life insurance won’t continue past the end of the day before
t
he date you reach age 65, you retire or your employment ends, whichever is earlier. Your
spouse's coverage won’t continue past the end of the day before the date you retire or your
employment ends, or you or your spouse reaches age 65, whichever comes first.
EXP Services Inc.
Your
benefits at a glance
Canada Life and design are trademarks of The Canada Life Assurance Company.
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79-00739 – 07-22
Optional Accidental Death and Dismemberment insurance (AD&D)
Administered by: SSQ | Policy number: 1S275
Employee
You have the option to purchase AD&D insurance coverage for yourself in units of $10,000
to a
maximum of $500,000.
Spouse
You can purchase AD&D insurance for your spouse in units of $10,000 to a maximum of
$500,
000.
Child
You can purchase AD&D insurance for your children in units of $5,000 to a maximum of
$25,000.
T
ermination
Your optional AD&D insurance won’t continue past the end of the day before the date you reach
age 65 y
ou retire or your employment ends, whichever is earlier.
Short-term Disability income benefits
Salary continuation program, administered by ReedGroup
Waiting Period
Injury 7 consecutive calendar days
Disease 7 consecutive calendar days
If you are admitted to a hospital for a minimum of 24 hours during the waiting period, benefits will begin
on th
e day you are admitted.
Maximum
be
nefit
period
17 weeks (including waiting period)
Amount 100% of your weekly salary for the first week; 75% for the next 15 weeks
Termination
Your short term disability income benefit won’t continue past the end of the day before the date you
reac
h age 65, you retire or your employment ends, whichever is earlier.
EXP Services Inc.
Your
benefits at a glance
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79-00739 – 07-22
Long-term Disability income benefits | Policy # 175781
Option 1 Option 2
Waiting period 17 weeks 17 weeks
Monthly amount
50% of the first $2,500 of your monthly
sal
ary plus 42% of the next $3,500 plus
35% of the remainder to a maximum
benefit of $25,000 or the all source
maximum, whichever is less
62% of the first $2,250 of your monthly salary
plus
54% of the next $3,000 plus 40% of the
remainder to a maximum benefit of $25,000 or
the all source maximum, whichever is less
All source maximum 80% of your pre-disability take-home pay
85% of your pre-disability take-home pay,
whi
chever is less
No evidence
ma
ximum (monthly)
Any amount of LTD insurance over
$11,000
is subject to approval of evidence
of insurability
Any amount of LTD insurance over $11,000 is
subj
ect to approval of evidence of insurability
Inflation protection
5 years after the start of your benefit
peri
od and annually after that, the then
current amount payable will be adjusted to
reflect increases in the Consumer Price
Index, to a maximum of 3% in any year
2 years after the start of your benefit period and
annually after that, the then current amount
payable will be adjusted to reflect increases in
the Consumer Price Index, to a maximum of 3%
in any year
Termination
Your LTD insurance won’t continue past the end of the day before the date you reach age 65,
les
s the waiting period or your employment ends, whichever is earlier.
Healthcare | Policy # 59262
Covered expenses won’t exceed customary charges
Benefit year July 1 to June 30
Termination
Your healthcare coverage won’t continue after you retire or your employment ends, whichever is
earl
ier, unless otherwise required by law.
Option 1 Option 2 Option 3 Option 4
Deductibles
Individual
None
$50 each benefit
year
$50
each benefit year $50 each benefit year
Family
$100 each benefit
year
$100
each benefit year $100 each benefit year
The individual and family deductibles don’t apply to Out-of-Country
Emergency Care and Global Medical Assistance
EXP Services Inc.
Your
benefits at a glance
Option 1 Option 2 Option 3 Option 4
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79-00739 – 07-22
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-
-
-
-
Reimbursement levels
Out-of-country
emergency care and
global medical
assistance expenses
100% 100% 100% 100%
Out-of-country non-
emergency care
expenses
Not
covered
Not covered 50% 50%
Visioncare expenses
Eye exams
70% 100% 100%
All other expenses
70% 85% 100%
In-Canada
pre
scription drug
expenses
Dispensing fee
Not covered 100% 100%
Single coverage
70% until $6,000 of
out-of-pocket
expenses have been
incurred in a benefit
year and 100% for the
remainder of the
benefit year
80% until $4,000 of
out-of-poc
ket
expenses have been
incurred in a
calendar year and
100% for the
remainder of the
benefit year
95% until $1,000 of
out-of-poc
ket
expenses have been
incurred in a benefit
year and 100% for
the remainder of the
benefit year
Family coverage
70% until $12,000 of
out-of-pocket
expenses have been
incurred in a benefit
year and 100% for the
remainder of the
benefit year
80% until $8,000 of
out-of-pocket
expenses have been
incurred in a benefit
year and 100% for
the remainder of the
benefit year
95% until $2,000 of
out-of-poc
ket
expenses have been
incurred in a benefit
year and 100% for
the remainder of the
benefit year
All other expenses
70% 85% 100%
Out-of-pocket
maximum for
Quebec residents
An out-of-pocket maximum is applied to in-province expenses for drugs listed in the Liste de
médicaments
pu
blished by the
Régie de l'assurance-maladie du Québec if you live in Quebec
(provincial formulary drug expenses). If the sum of the non-reimbursable amounts you’re
required to pay for provincial formulary drug expenses incurred for you and your dependent
children or for your spouse in a calendar year reaches the maximum out-of-pocket level
established by law, the amount payable for provincial formulary drug expenses incurred for
the same individuals for the rest of the calendar year will be adjusted as follows:
Reimbursement will be made at 100% no further out-of-pocket amounts will apply
T
he out-of-pock
et maximum doesn’t apply to drug expenses incurred outside Quebec
EXP Services Inc.
Your
benefits at a glance
Canada Life and design are trademarks of The Canada Life Assurance Company.
Page
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79-00739 – 07-22
Option 1 Option 2 Option 3 Option 4
Employees who have
reached the age of
65
**Canada Life private health coverage will supplement provincial prescription drugs coverage,
if it is available to you. Rules and regulations may vary, depending on the province of
residence.
For more information on provincial healthcare coverage available to you based on where you
live, c
onsult https://w
ww.canadalife.com/insurance/health-and-dental-insurance/provincial-
government-health-plans.html
For Quebec residents, please consult the French Enrollment Guide for more information on
rules applicable in your province.
Basic expense maximums
Hospital
Not
covered
Semi-private room Semi-private room Private room
Home nursing care $10,000 each
benefit year
$20,000 each
benefit year
$25,000 each
benefit year
In-Canada
prescription drugs
Included Included Included
Smoking cessation
products
$300 lifetime or as
otherwise required
by law
$300 lifetime or as
otherwise required
by law
$300 lifetime or as
otherwise required
by law
Fertility drugs 5,000 lifetime or as
otherwise required
by law
$5,000 lifetime or
as otherwise
required by law
$5,000 lifetime or
as otherwise
required by law
Anti-obesity drugs $2,000 per benefit
year
$2,000 per benefit
year
$2,000 per benefit
year
Dispensing fee
limit
This doesn’t apply
if you live in
Québec.
Not covered
The covered
expense for the
dispensing fee
portion of a
prescription drug
charge is limited to
$10.
The covered
expense for the
dispensing fee
portion of a
prescription drug
charge is limited to
$15.
Hearing aids $500 every 36
months
$500 every 36
months
$500 every 36
months
Insulin Infusion
Pumps
$2,000 per pump,
once every 5 years
$2,000 per pump,
once every 5 years
$2,000 per pump,
once every 5 years
Incontinence
supplies
Included Included Included
EXP Services Inc.
Your
benefits at a glance
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79-00739 – 07-22
Not
covered
Orthopedic shoes
and custom-made
foot orthotics
Not covered $300 every 4
benefit years
$500 every 4
benefit years
Myoelectric arms $10,000 per
prosthesis
$10,000 per
prosthesis
$10,000 per
prosthesis
External breast
prosthesis
2 per lifetime 2 per lifetime 2 per lifetime
Surgical
brassieres,
following a
surgical procedure
$250 each benefit
year
$250 each benefit
year
$250 each benefit
year
Mechanical or
hydraulic patient
lifters
$2,000 per lifter
once every 5 years
$2,000 per lifter
once every 5 years
$2,000 per lifter
once every 5 years
Blood-glucose
monitoring
machines
1 every 4 years
1 every 4 years 1 every 4 years
Continuous
glucose
monitoring
machines
including sensors
and transmitters
$4,000 each
calendar year
$4,000 each
calendar year
$4,000 each
calendar year
Transcutaneous
nerve stimulators
$700 lifetime $700 lifetime $700 lifetime
Extremity pumps
for Lymphedema
Once to a maximum
of $1,500 per
lifetime
Once to a
maximum of
$1,500 per lifetime
Once to a
maximum of $1,500
per lifetime
Custom-made
compression hose
$250 each benefit
year
$250 each benefit
year
$250 each benefit
year
Continuous
Positive Airway
Pressure Machine
(CPAP)
replacement filters
$100 each benefit
year
$100 each benefit
year
$100 each benefit
year
Wigs required due
to a medical
condition
$250 lifetime $250 lifetime $250 lifetime
Diagnostic
services $300 each benefit
year
$500 each benefit
year
$750 each benef
it
year
EXP Services Inc.
Your
benefits at a glance
Option 1
Option 2
Option 3
Option 4
Canada Life and design are trademarks of The Canada Life Assurance Company.
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79-00739 – 07-22
Paramedical expense maximums
Audiologists
Not
covered
Combined
maximum of
$600 each
benefit year
Combined maximum of
$1,000 each benefit
year
Combined maximum of
$1,500 each benefit year
Acupuncturists
Chiropractors,
includ
ing
diagnostic x-rays
Podiatrists/
Chiropodists
including
diagnostic x-rays
for Podiatrists
Naturopaths
Osteopaths,
including
diagnostic x-rays
Psychologists,
Social Workers,
Family
Therapists and
Psychotherapists
Physiotherapists,
Athletic
Therapists and
Rehabilitation
Therapists
Occupational
Therapists
Speech
Therapists
Nutritionists and
Dieticians
Qualified
Massage
Therapists
EXP Services Inc.
Your
benefits at a glance
Option 1 Option 2 Option 3 Option 4
Canada Life and design are trademarks of The Canada Life Assurance Company.
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79-00739 – 07-22
Option 1 Option 2 Option 3
Option 4
Visioncare expense maximums
Eye
examinations
Not
cov
ered
$200 every
24 mon
ths
$75 every
24 mon
ths
$75 every 24 months
Glasses,
contact
lenses and
laser eye
surgery
$200 every
24 mon
ths
$250 every 24 months
Out-of-country care maximums
Emergency
$5,000,000
lifetime
$5,000,000
lifetime
$5,000,000
lifetime
$5,000,000 lifetime
Non-
emer
gency
Not
covered
Not
covered
$50,000
lifetime
$50,000 lifetime
Termination
Your out-of-country care coverage won’t continue past the end of the day before the date
you r
etire or your employment ends, whichever is earlier.
Lifetime healthcare maximum
Maximum
$5,000,000
life
time
Unlimited Un
limited Unlimited
VIRTUAL MEDICAL CLINIC CONSULT+
Consult+ are health services that you have access to online using an application. You can communicate
directly with a health professional regarding non-urgent medical situations. You can communicate by text,
video, or phone. This offer includes:
• Virtual medical consultations
• Prescription request or renewal
• Specialist referrals
Y
ou can register immediately to Consult+ by consulting the brochure « Virtual health care services
CONS
ULT+» on explore.
EXP Services Inc.
Your
benefits at a glance
Canada Life and design are trademarks of The Canada Life Assurance Company.
Page
9 of 11
79-00739 – 07-22
Option 1 Option 2 Option 3 Option 4
-
Health Care Spending Account benefits (HCSA) | Policy # 59262
The HCSA allows you to use excess flex credits to cover expenses with before-tax dollars. Any amount not
used in the current plan year can be carried over for one additional plan year.
Any previous year's amount remaining at the end of the second year will be forfeited.
The HCSA has a grace period and claims must be submitted by De
c. 31 following the end of the benefit year
in which the expense was incurred.
Dentalcare | Policy # 59262
Covered expenses won’t exceed customary charges
Benefit year July 1 to June 30
Termination
Your dental care coverage won’t continue past the date you retire or your employment ends,
whi
chever is earlier.
Option 1 Option 2 Option 3 Option 4*
Payment basis Not
covered
The dental fee guide in effect in your province of residence on the date
treatment is rendered. Payment for charges by hygienists practising
independently is based on hygienist fee guides. Specialists’ charges are
limited to general practitioner fees
Deductibles
Individual
Not
covered
$50 each calendar
year
$50 each calendar
year
$50 each calendar
year
Family
$100 each calendar
year
$100
each calendar
year
$100 each calendar
year
Reimbursement levels
Basic coverage
Endodontic
and periodontal
services
Not
covered
60% 80% 100%
EXP Services Inc.
Your
benefits at a glance
Canada Life and design are trademarks of The Canada Life Assurance Company.
Page
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79-00739 – 07-22
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-
-
-
Option 1 Option 2 Option 3 Option 4
Basic and
major oral
surgery except
denture-related
stents
60% 80% 100%
All other basic
cover
age
100% 100% 100%
Major coverage
Major oral
surgery
Not
covered
See basic coverage See basic coverage See basic coverage
Denture-related
sten
ts and all
other major
coverage
Not covered 50% 50%
Orthodontic
cover
age
Not covered Not covered 50%
Plan maximum
Orthodontics
treatment
Not
covered
Not covered Not covered $2,000 lifetime for
children age 6 to 18
when treatment starts
All other treatment $1,000 each benefit
year
$1,
500 each benefit
year
$2,500 each benefit
year
Survivor benefits
If you die while your coverage is still in force, the healthcare and dentalcare benefits for your
dependents will be continued for a period of 6 months or until they no longer qualify, whichever
happens first
EXP Services Inc.
Your
benefits at a glance
Canada Life and design are trademarks of The Canada Life Assurance Company.
Page
11 of 11
79-00739 – 07-22
* Note: If you choose Option 4 dental coverage, you’re locked in at that level for 2 years. If you don’t elect a
different option after the 2 year period, you will be locked in again for 2 years.
Information about your Flex Plan
• Option changes take effect each July 1, unless the change results from a life event. If it does, the option
change will take effect on the date the application for the change is made, as long as it is made within 31 days
of the status change. Otherwise, the change won’t take effect until the following July 1.
• If you experience a life event during a plan year that affects your coverage needs, you may make changes to
your
benefit options that directly relate to your status change without waiting for the next July 1 re-enrolment
period. Any of the following is considered a life event:
o Marriage
o
12-mo
nth anniversary of a common-law relationship
o Divorce, separation or the end of a common-l
aw relationship
o Addition of a dependent child (birth, adoption, legal guardianship, gain a stepchild, etc.)
o Death of a spouse or child
o
Loss of a child’s dependent status (marriage, reaching age limit, leaves school, etc.)
o Gain or loss of your spouse’s benefit coverage
N
ote: C
ontact Canada Life for details no later than 31 days after a life event occurs. Certain conditions apply.
This is a summary of how Canada Life will make claim decisions to help you understand how your benefit plan works. Keep in mind that this is a summary – it’s not possible to
describe every possible claim situation. We encourage you to check your Booklet when you receive it to see the full terms and conditions that apply to your plan. If there is a
conflict in the information contained here and in your Booklet and/or Contract, the Booklet and/or Contract overrules any information in this Summary. The details of the plan
may be modified by EXP at any time.
