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Quotes provided by OASSIS via Cameron Ponting (FSRA License #23220288)
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to access and/or modify your information:
A) If the employer is paying 100% of the monthly premiums then we require all eligible employees to be enrolled in the benefit plan.
B) if the employees share any portion of the premium costs, then we require 75% of all eligible employees to be enrolled. These are the requirement rules as per our enrolment criteria.
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Short Term Disability (STD) can be quoted so that it is integrated with Employment Insurance (EI) or not.
Please note that the non-integrated STD rates are significantly higher than the integrated STD rates.
Long Term Disability (LTD) – Taxable or Non-Taxable Option - Under CRA guidelines, the LTD benefit payable to a claimant is either taxable or non-taxable, depending on who pays the premium.
Taxable – employer pays any portion of the premiums,
Non-taxable – employee pays 100% of the premiums.
This capability allows you to instantly preview the split in dollars of the cost sharing arrangement you have. Should you choose Yes, and input the % values, you will see the % that the employer pays and the % the employee pays.
Choose the life insurance amount from the options available for your organization for your eligible employees.
IE: 1x $50,000 = $50,000 and 2 x $50,000 = $100,000.
You can specify your own life insurance coverage in increments of $10,000 to a maximum of $500,000.
In case of your death, your designated beneficiary(s) will be entitled to this amount.
Short Term Disability (STD) can be quoted so that it is integrated with Employment Insurance (EI) or not.
Please note that the non-integrated STD rates are significantly higher than the integrated STD rates.
Long Term Disability (LTD) – Taxable or Non-Taxable Option - Under CRA guidelines, the LTD benefit payable to a claimant is either taxable or non-taxable, depending on who pays the premium.
Taxable – employer pays any portion of the premiums,
Non-taxable – employee pays 100% of the premiums.
This capability allows you to instantly preview the split in dollars of the cost sharing arrangement you have. Should you choose Yes, and input the % values, you will see the % that the employer pays and the % the employee pays.
Upon your first use of an extended health benefit, the eligible amount will be paid, less your deductible (for each benefit year).
The amount you select will be deducted every time you have a prescription filled.
Choose what level of coverage you need. IE: 80% of your prescription will be paid by your plan and you will pay the difference = 20%.
Choose what level of coverage you need for Paramedical Practitioners. You can choose a set a amount of dollars per benefit year per practitioner OR a combined amount for all practitioners per benefit year. Examples of Paramedical Practitioners are: Chiropractor, Registered Massage Therapists, Physiotherapists.
Optometric Eye Exams are covered once every 2 benefit years, limited to $25.00,
Prescription Eye Glasses or Contact Lenses (including cataract eyewear) or medically necessary contact lenses are covered. Check the amount of coverage you have for this benefit prior to purchasing your eye wear.
Health Exclusions for Hearing Aids are for medical examinations, audiometric examinations or hearing evaluation tests.
Optional Trip Cancellation Insurance covers you for any unexpected occurrence in case you cannot travel.
Eligible cancellation expenses $5,000 per insured, per trip.
Please choose 1 or 2 times annual salary.
IE: 1x $50,000 = $50,000 and 2 x $50,000 = $100,000
In case of your death, your designated beneficiary(s) will be entitled to this amount.
Critical Illness is voluntary insurance that pays a lump sum benefit upon diagnosis of a specific covered illness.
The first $30,000 of coverage is available medical free so long as coverage is applied for within 31 days of being eligible under the plan. If application is not made within those 31 days or if you are applying for more than $30,000 then medical evidence will be required.
You have the option to choose either one of these Disability Modules. This option is an employer choice for all eligible employees.
You have the option to choose either one of these Disability Modules. This option is an employer choice for all eligible employees.
Critical Illness is voluntary insurance that pays a lump sum benefit upon diagnosis of a specific covered illness.
The first $30,000 of coverage is available medical free so long as coverage is applied for within 31 days of being eligible under the plan. If application is not made within those 31 days or if you are applying for more than $30,000 then medical evidence will be required.
In case of death of either a spouse or child (s) you are reimbursed the following:
$10,000 per spouse, and $5,000 for each child.
In case of death of either a spouse or child (s) you are reimbursed the following:
$10,000 per spouse, and $5,000 for each child.
Health Care Spending Account (HCSA), the employer may designate a set amount of dollars per employee (known as credits), per year, to be used as HCSA. Credits are pre-tax dollars. (See CRA guidelines for allowable expenses) Minimum required is $300.00 per employee, per year.
Health Care Spending Account (HCSA), the employer may designate a set amount of dollars per employee (known as credits), per year, to be used as HCSA. Credits are pre-tax dollars. (See CRA guidelines for allowable expenses) Minimum required is $300.00 per employee, per year.
Employer may designate a set amount of funds (known as “credits”) per employee, per year, to be used as an HCSA. Credits are pre-tax dollars. (See CRA guidelines for allowable expenses) Minimum $300/year/employee
Comprehensive Basic Services Include the following:
1. Endodontic treatment including: • root canal therapy, excluding extra charges for difficult, calcified, exceptional or retreatments • pulpotomy (removal of the pulp from the crown portion of the tooth) • pulpectomy (removal of the pulp from the crown and root portion of the tooth) • apexification (assistance of root tip closure) • apical curettage, root resections and retrograde fillings (cleaning and removing diseased tissue of the root tip) • root amputation and hemisection • bleaching of non-vital tooth/teeth • emergency procedures including opening or draining of the gum/tooth
2. Periodontal treatment of diseased bone and gums including: • periodontal scaling and/or root planing • occlusal equilibration - selective grinding of tooth surfaces to adjust a bite, 8 time units every 12 months The fees for periodontal treatment are based on units of time (15 minutes per unit) and/or number of teeth in a surgical site in accordance with the General Practitioners Fee Guide.
3.Basic Restorative Services: • amalgam, tooth coloured filling restorations and temporary sedative fillings • inlay restorations – these are considered basic restorations and will be paid to the equivalent nonbonded amalgam
4. Basic oral surgery:• extractions of teeth and/or residual roots
5. General anaesthesia, deep sedation and intravenous sedation in conjunction with eligible oral surgery only
6. Standard denture services: • standard relining and rebasing of dentures • denture repairs and/or tooth/teeth additions, denture adjustments and remount and equilibration procedures, only after 3 months have elapsed from the installation of an initial or replacement denture (maximum for Lab Fee is $150) • soft tissue conditioning linings for the gums to promote healing • remake of a partial denture using existing framework, once every 5 years 7.
Comprehensive oral surgery:• surgical exposure, repositioning, transplantation or enucleation of teeth • remodeling and recontouring - shaping or restructuring of bone or gum • excision - removal of cysts and tumors• incision - drainage and/or exploration of soft or hard tissue • fractures including the treatment of the dislocation and/or fracture of the lower or upper jaw and repair of soft tissue lacerations • maxilofacial deformities - frenectomy - surgery on the fold of the tissue connecting the lip to the gum or the tongue to the floor of the mouth
Major Services Include:
1. Diagnostic casts. 2. Standard onlays or crown restorations to restore diseased or accidentally injured natural teeth. 3. Standard bridges, including pontics, abutment retainers/crowns on natural teeth. 4. Standard dentures including complete, immediate, transitional, and partial dentures. 5. Standard repair or recementing of crowns, onlays and bridge work on natural teeth.
Single+1 rates are available for 2-person families – contact OASSIS directly to request a Quote with Single+1 rates
