Embedded Files
Full-Time Employees
You are covered under the "Full-Flex Enhanced" Benefit Plan by Carrier B for two years.
Part-Time Employees
You are covered under the "Full-Flex Basic" Benefit Plan by Carrier B for two years.
Full Flex Basic Plan
(Part-Time Employees)
Basic Life Insurance
Covers up to 3x annual income
Maximum of $500,000
Terminates at age 65 or earlier retirement
Accidental Death & Dismemberment
Covers up to 3x annual income
Maximum $750,000
Terminates at age 65 or earlier retirement
Extended Health Care
$20 Deductible for Singles
$45 Deductible for Families
80% Coinsurance
Semi-Private Hospital Care
$250 for Hearing Aids in 24-month period
$1,500 for Laboratory Analysis & X-Rays
12-month Survivor Benefit
Terminates at age 65 or earlier retirement
Drug Coverage
Covers 85% of Ingredient Costs & Dispensing Fee (Reasonable & Customary) Brand Name Drugs
$20 Deductible for Singles
$45 Deductible for Families
Vision Care
80% Coinsurance
$20 Deductible for Singles
$45 Deductible for Families
$125 Maximum per Calendar Year for Eye Examinations
$225 Maximum per 12-month Period for Glasses/Contact Lenses
$750 Lifetime Maximum for Laser Eye Surgery
Dental Care
80% Basic/Preventative Coinsurance
$20 Deductible for Singles
$45 Deductible for Families
50% Major Restorative Coinsurance
50% Orthodontics Coinsurance
$3,500 Basic/Preventative Maximum per year (combined with Major)
$3,000 Major Restorative Maximum per year (combined with Basic)
$3,500 Orthodontic Maximum per Lifetime
2013 Dental Fee Guide
Terminates at age 65 or earlier retirement
Full Flex Enchanced Plan (Full-Time Employees)
Basic Life Insurance
Covers up to 3x annual income
Maximum of $500,000
Terminates at age 65 or earlier retirement
Accidental Death & Dismemberment
Covers up to 3x annual income
Maximum $750,000
Terminates at age 65 or earlier retirement
Extended Health Care
No Deductible
100% Coinsurance
Private Hospital Care
$250 for Hearing Aids in 24-month period
$3,000 for Laboratory Analysis & X-Rays
42-month Survivor Benefit
Terminates at age 65 or earlier retirement
Drug Coverage
Covers 100% of Ingredient Costs & Dispensing Fee (Reasonable & Customary) Brand Name Drugs
No Deductible
Vision Care
100% Coinsurance
No Deductible
$200 Maximum per Calendar Year for Eye Examinations
$225 Maximum per 12-month Period for Glasses/Contact Lenses
$1250 Lifetime Maximum for Laser Eye Surgery
Dental Care
100% Basic/Preventative Coinsurance
No Deductible
80% Major Restorative Coinsurance
60% Orthodontics Coinsurance
$3,500 Basic/Preventative Maximum per year (combined with Major)
$3,000 Major Restorative Maximum per year (combined with Basic)
$3,500 Orthodontic Maximum per Lifetime
2020 Dental Fee Guide
Terminates at age 65 or earlier retirement
Submitting Claims
Claims can be submitted online by clicking the following link: Online Claim Submission
Direct Plan Claims are made by showing your "OC Benefit Card" to the service provider, which includes the Group Benefit Number, Plan Provider and Certificate ID.
If you DO NOT have a card contact your HR Manager at: HRManagement@ourcompany.ca
Drug Coverage
Dental Care
Vision Care
Hospital Care
Additional Flexible Spending Accounts Coverage
“Health Care Spending Account” (HCSA)
Additional Extended Health and Dental Expenses
“Wellness Spending Account” (WSA)
Fitness: Equipment, Gym Memberships, Personal Training
Nutrition: Nutritional Counselling, Weight-Loss Programs, Smoking Cessation Programs
Home Green Initiatives
Additional Extended Health and Dental Expenses
“Professional Expense Reimbursement Account” (PER)
Work related fees including, but not limited to; books, journal subscriptions, conferences, and supplies or technology.
*A maximum of total $5000 can be allocated to the accounts of your choosing.
*All credits must be distributed into one or more accounts by the end of the year or they will be obsolete.
Basic Life Insurance
Spousal Life Insurance
Accidental Death Insurance
Extended Health Insurance
Frequently Asked Questions (FAQs)
What Are My Plan Options?
All full-time employees who have paid employee premiums you are covered under you are automatically covered under the "Full-Flex Enhanced" Benefit Plan by Carrier B for two years upon signing the benefit contract. All part-time employees who have paid employee premiums you are covered under you are automatically covered under the "Full-Flex Basic" Benefit Plan by Carrier B for two years after signing the benefit contract.
What Fees Do I Pay?
Full-Time Employees
Single Coverage - $1,721.14
Basic Life Insurance - $0.23
Accidental Death and Disbursement - $0.034
Extended Health - $1,147.13
Dental Services - $573.75
Family Coverage - $2,418.45
Basic Life Insurance - $0.23
Spousal Life Insurance - $0.19
Accidental Death and Disbursement - $0.034
Extended Health - $1,439.25
Dental Services - $978.75
Part-Time Employees
Single Coverage - $1,015.76
Basic Life Insurance - $0.23
Accidental Death and Disbursement - $0.034
Extended Health - $570.00
Dental Services - $445.50
Family Coverage - $1,522.76
Basic Life Insurance - $0.23
Accidental Death and Disbursement - $0.034
Extended Health - $712.50
Dental Services - $810.00
Can I Enroll My Dependants?
All full-time may obtain coverage for their spouse at the cost of an extra premium. In addition, full-time and part-time employees may choose to pay for family coverage. The appropriate fee can be paid on-line using VISA or MASTERCARD at www.OurCompanyBenefits.com/FamilyEnrollmentVerification. Please Note: You are only eligible to opt-in family members before the deadline dates shown below. The Deadline dates shown below will not be extended. You must opt-in for two years. Family Opt-In Deadline is January 4th on your year of enrollment. For all employees once your coverage terminates, any additional family coverage that you have applied for will terminate also.
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