Dental care coverage is exactly what you think it is.

That can include prescription drugs, vision care, hospital care, medical services and equipment, paramedical services and assistance with out-of-province emergency travel.

Extended health care coverage reimburses eligible medical expenses not covered by the plan member’s provincial plan.

Should the member become paralyzed, lose a limb, or lose his or her hearing, eyesight or speech in an accident, benefits will be paid to the plan member and his or her family.

Accidental death and dismemberment insurance provides additional benefits to a plan member’s family if he or she dies accidentally.

Employers may also sponsor optional and dependent life insurance, which provide additional coverage. Sometimes it’s a flat amount, sometimes it’s a mix of the two.

The benefit is typically based on a multiple of the plan member’s earnings.

Group life insurance provides for the plan member’s (i.e., employee’s) family if he or she dies while a member of the plan.

It’s important to note that when you make a claim, it will be paid based on your employer-sponsored plan’s specific coverage. What kinds of benefit plans are there?Įmployers can sponsor group life insurance, accidental death and dismemberment insurance, extended health care, dental care and disability benefit plans.

That's why it's important to understand and take advantage of employer-sponsored health plans, including group life and health arrangements, that you may be offered at work. Government health insurance doesn't cover all the average Canadian's healthcare costs.

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