Sobeys Employee Benefits - It`s Your Program!

Transcription

It’s Your Program!
About Us
What Makes the Sobeys Affinity Employee Benefits Program Different?
Often, firms that are part of traditional open market programs with large insurance companies are paying high
premiums for too little coverage and are subject to substantial fluctuations in rates. The structure of our Program
allows our insured firms to benefit from rate stability, cost effectiveness, administrative efficiencies, flexibility in plan
choice, and strength in numbers.
What if I Currently Have a Plan but My Renewal is at a Later Date?
Western Financial Group Insurance Solutions, in partnership with Sobeys, is proud to offer the
associate franchisee an exclusive comprehensive and affordable Employee Benefits Program,
established with your needs in mind.
While your current Employee Benefits Program has an annual renewal date, you don’t have to wait until your next
renewal to benefit from this program. Simply contact Nolan Friesen (contact information below) and he will be able
to advise you on just how quickly you can start reaping the benefits.
We understand the challenges store owners face in today’s competitive job market and having a reliable and affordable
Employee Benefits Program is critical to attracting and retaining employees. Group Insurance Solutions represents thousands
of businesses including many associations and buying groups across Canada. Our success is based on providing the right
products, pricing and service that ultimately provides you and your employees better value for your insurance dollar.
Contact Us Today!
Currently, over 500 stores and close to 10,000 employees are reaping the benefits provided by the Sobeys Affinity Employee
Benefits Program.
A Group Insurance Solutions representative will work with store owners in order to help them understand the various
coverage options that are available and together decide on the best solution for their business.
Program Benefits Include:
Premium savings – the program’s health and
dental benefits are operated on an ASO (Administrative
Services Only) basis. The premiums and claims are
pooled within the entire group through a self-insured
arrangement; the result is more money goes towards
the payment of claims rather than insurer administrative
costs.
•
Flexibility – a variety of coverage options are available
to suit the needs of each individual store.
•
Group billed premiums – store premiums are billed
through the convenience of the Sobeys monthly billing
services. The detailed billing shows coverage amounts
and premiums breakdown by employee.
•
Easy administration and full time service support by
our dedicated service representatives and exclusive client
assistance website.
•
Pay-Direct Drug/Dental Card – provides ease of
payment for prescriptions and dental costs; just present
the card at any pharmacy or dentist and all that is
required to pay is your co-insurance/fees, if applicable.
•
Long term rate stability has been achieved for over
20 years due to the spread of risk and strength in
numbers of the Sobeys Program.
•
Consistent service across the country with full
bilingual capabilities.
•
Contact Us
Nolan Friesen
Manager, Employee Benefits Sales
Toll Free:
1-800-665-8990 ext. 7215
Cell:297-7903
Email:[email protected]
Visit us at www.westernfgis.ca/sobeys
Plan Options
Basic Life
Dental Care
Sobeys Plan Options
Option 1
Deductible
Basic Services
Recall Frequency
Option 2
Option 3
Option 4
Owners
Managers
Others
Benefit Amount
$100,000
$50,000
$25,000
1 Times Annual Salary
Maximum
$100,000
$50,000
$25,000
$500,000
$500,000
$500,000
Non-Evidence Limit
Stores With 1-4 Lives
$0
$0
$0
$0
$0
$0
$50,000
$50,000
$25,000
$250,000
$250,000
$250,000
Stores With 10 or More
Lives
$100,000
Termination
$50,000
$25,000
Earlier of Age 70 or Retirement
$250,000
$250,000
$250,000
Reduction
Owners
$100,000
The Lesser of $100,000 or current volume
Managers
50% at Age 65
50% at Age 65
Others
50% at Age 65
50% at Age 65
Option 3
Option 6
Nil
90%
Nil
80%
Nil
70%
6 Months
9 Months
9 Months
9 Months
100%
50%
$1,500
50%
$1,500
Current General Practitioner
Age 70
90%
50%
$1,500
N/A
N/A
CGP Minus One Year
Age 70
80%
N/A
$1,500
N/A
N/A
CGP Minus One Year
Age 70
70%
N/A
$1,000
N/A
N/A
CGP Minus One Year
Age 70
Dependent Life
All Options
Spouse
$5,000
Child
$2,500
Termination
Age 70
All Employees
Short Term Counselling
LifeSpeak On Demand
12 Hours/Issue/Calendar Year
Unlimited Access On-Line
Cost Plus
Owners
Termination
Option 2
Nil
100%
Employee Assistance Program
Accidental Death
& Dismemberment (AD&D)
Benefit Amount
Endodontic/Periodontic Services
Major Restorative Services
Combined Calendar Year Maximum
Orthodontic
Orthodontic Lifetime Maximum
Fee Guide
Termination
Option 1
Managers
Others
$50,000
$25,000
$100,000
Owners and Key Employees
Health and Dental coverage over and above your standard plan, with no additional
premiums or contractual agreements to complete.
Optional Benefits
Reduction
Owners
$100,000
The Lesser of $100,000 or current volume
Managers
50% at Age 65
50% at Age 65
Others
50% at Age 65
50% at Age 65
Extended Health Care
& Vision Care
Deductible
Drugs
(Generic Substitution)
Dispensing Fee Cap
Pay Direct Drug Card
Option 1
Option 2
Option 3
Option 4
Option 8
Nil
Nil
Nil
Nil
Nil
100%
80%
80%
75%
90%
$4 Per Prescription
Nil
Nil
Nil
Nil
Yes
Yes
Yes
Yes
Yes
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Hospital Semi-Private
100%
100%
100%
100%
100%
Professional Services
100%
80%
80%
75%
90%
Drug Maximum
Chiropractor
$500/Calendar Year
$30/Visit, $500/Calendar Year
Osteopath
$500/Calendar Year
Podiatrist
$500/Calendar Year
Massage Therapist
$500/Calendar Year
Naturopath
$500/Calendar Year
Speech Therapist
$500/Calendar Year
$25/Visit, $300 Calendar Year
Physiotherapy
$1,000/Calendar Year
$60/Visit, $1,000/Calendar Year
Psychologist
Supplies & Services
100%
80%
80%
75%
90%
1 Pair/Calendar Year
Orthotics
$400/3 Calendar Years
Hearing Aids
100%
80%
80%
75%
90%
Private Duty Nursing
Orthopedic Shoes
Ambulance
Out of Country
Emergency
Out of Country
Emergency Maximum
Maximum Trip Duration
Trip Cancellation
Vision Care
Eye Exams
Termination
100%
100%
100%
N/A
100%
$5,000,000/Calendar Year
N/A
60 Days
60 Days
60 Days
N/A
60 Days
Owners and Managers
Owners and Managers
Owners and Managers
N/A
Owners and Managers
100%, $125/2 Calendar Years
N/A
N/A
1 Exam/2 Calendar Years
N/A
N/A
Age 70
Age 70
Age 70
Age 70
Age 70
Disability
Short Term Disability (STD)
Benefit Amount
Maximum
Elimination Period
Accident
Sickness
Hospitalization
Maximum Benefit Period
Termination
Long Term Disability (LTD)
Benefit Amount
Maximum
Elimination Period
Accident
Sickness
Hospitalization
Maximum Benefit Period
Non-Evidence Limit
Stores With 5 or More Lives
Termination
Counselling Service
Option 1
Option 2
Option 3
Option 4
60%
$500
66.7%
$500
N/A
N/A
67%
$750
0 Days
7 Days
0 Days
26 Weeks
Age 70
0 Days
7 Days
0 Days
26 Weeks
Age 70
N/A
N/A
N/A
N/A
N/A
0 Days
7 Days
0 Days
26 Weeks
Age 70
60%
$6,000
N/A
N/A
60%
$6,000
67%
$6,000
182 Days
189 Days
182 Days
2 Yr. Own Occupation,
Any Occupation to Age 65
N/A
N/A
N/A
N/A
119 Days
119 Days
119 Days
182 Days
189 Days
182 Days
Full Medical Required
$6,000
Age 65
Included
N/A
N/A
N/A
N/A
$6,000
Age 65
Included
$6,000
Age 65
Included
Optional Life Insurance
Employee and/or Spouse
Units
Maximum
Termination
Optional Accidental Death &
Dismemberment (AD&D)
Units
Maximum
Termination
10,000
$300,000
Employee
Spouse
Dependent
1 x Annual Earnings
4 x Annual Earnings to $450,000
$5,000
$25,000
$5,000
$10,000
Age 65
Age 65
Age 21 or 25 if Full-Time Student
Note: Stores with 4 lives or less must have Life, AD&D, Extended Health Care and Dental Care.
Stores with 5 lives or more must have Life, AD&D and Extended Health Care.

Sobeys Employee Benefits - It`s Your Program!

Transcription

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