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Health Benefits Insurance Services
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Travel Insurance is incredible important. Whether you are a Canadian travelling outside Canada or a tourist coming to Canada, we are experts in providing travel insurance.
Manulife Financial offers the following travel insurance options:
- Out of province/out of country travel insurance for Canadians
- Visitors to Canada travel insurance
- Student travel insurance
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Health Benefits Insurance Services
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 An Employee Assistance Plan is a short-term professional counseling and referral service that provides assistance to employees and their family members with any personal problems in a confidential manner.
 The goal of an employee assistance plan is to provide proactive support to an employee before the condition turns into a disability costly claim.
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Health Benefits Insurance Services
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 Often paired with Extended Health Care plans, Dental benefits provide dental services and supplies for employees and their eligible dependants.
Dental care services are generally grouped into the following three major categories:
- Basic (includes exams, cleanings, x-rays, extractions, etc)
- Major restorative (onlays or crown restorations, standard dentures, bridges)
- Orthodontics (treatment to straighten teeth and correct the bite)
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Health Benefits Insurance Services
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 Short-Term Disability (sometimes referred to as Weekly Indemnity) was designed to compensate an employee for income lost as a result of short-term absences from work from an accident or sickness. Short-Term Disability plans typically provide coverage on the first day following an accident or hospitalization and the 8th or 15th day of absence as a result of sickness. The benefits are usually payable for a period of 17 weeks. The benefit amount is directly tied to the employee’s earnings and usually pays out at a non-taxable schedule of 67.667% of earnings although higher taxable amounts such as 75% are available.
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Health Benefits Insurance Services
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 Group Life insurance benefits fall into the following three categories:
Basic Life Insurance
Optional Life Insurance
Dependent Life Insurance
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Health Benefits Insurance Services
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A Health Spending Account (HSA) is a tax efficient way to pay for your employee health and dental expenses. It can compliment your existing insurance plan to pay for things not covered (or partially covered) or can be applied as a stand-alone solution. Either way, the tax advantages of using a Health Spending Account are unparalleled making it a smart addition to your health and dental strategy.
The CJ Campbell HSA is designed for incorporated companies of all sizes, whether you have one employee or hundreds. It is available to all employees regardless of medical condition or age.
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Health Benefits Insurance Services
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 Manulife's LIfecheque Basic Critical Illness Insurance offers:
- Coverage for 5 major illnesses including cancer, heart disease, stroke, aeortic surgery and coronary artery bypass surgery.
- Lump sum payments of $25,000, $50,000 or $75,000 with a Return of Premium option.
- Coverage for applicants between the ages of 18 and 75.
Click here for more information on Lifecheque Basic Critical Illness insurance and to quote and apply on-line. |
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Health Benefits Insurance Services
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 Manulife Financial offers Health, Dental and Extended Health Care benefits with the following options:
- Coverage for Individuals and Families
- Coverage for those who are self-employed or those whose group benefits have been terminated
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Health Benefits Insurance Services
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 Accidental Death and Dismemberment Insurance or AD&D provides protection in the event that an employee has an accidental death or injury either on or off the job. Accidental Death & Dismemberment is also referred to as double indemnity insurance as the benefits payable doubles for employees who die as a result of an accident. The death benefit payable is most often matched to the Life Insurance benefit amount.
Most Accidental Death & Dismemberment policies cover both "loss" and "loss of use". A schedule of losses is provided by each insurer to show what amount of the benefit payment will be paid out on each loss or loss of use type. |
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