Plan Design

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CNLA & PROVINCIAL MEMBERS

BC Landscape & Nursery Association

Landscape Alberta

Landscape Saskatchewan

Manitoba Nursery Landscape Association

Landscape Ontario

Landscape New Brunswick

Landscape Nova Scotia

Landscape Prince Edward Island

Landscape Newfoundland & Labrador

ASSOCIATION MEMBERS

Structural Pest Management Association of Ontario

International Society of Arboriculture Ontario

Ontario Greenhouse Vegetable Growers

Canadian Horticultural Council

Flowers Canada Ontario

Flowers Canada Growers

As a businessperson you know the importance of insurance – to cover yourself against unforeseen financial burdens due to forces out of your control. Group Life & Health Insurance is designed to insure you and your family against loss due to accident or illness, 24 hours a day, 7 days a week and in a number of different areas. Through the HortProtect program you have access to the following benefits:

 

Collage HR is now included with your HortProtect Benefits

Now you can manage your employee data securely online using Collage HR - Canada's leading HR management platform

 

  • Terminate and reinstate seasonal employees easily

  • Connect your Indeed account to organize and speed up recruiting

  • Collect new hire data digitally (including e-signatures) from candidates anywhere in the world

  • Sync your existing payroll software* to eliminate double entry

  • HortProtect members qualify for a full subsidy worth up to $120/year/employee

You have nothing to lose, and lots to gain!

 

*Payroll sync is optional.

Currently available for Ceridian, ADP, Wagepoint, Payworks, Deluxe Payweb, Nethris, Desjardins, Paytrak)

 

Click to Book a call today         Watch a demo video

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LIFE INSURANCE

Life Insurance is designed to provide a tax-free lump sum of cash at this critical time. In the event of a premature death, the surviving relatives of the deceased are faced with many challenges. Dependent family members may need financial support to provide for funeral expenses, outstanding debts and income replacement.  Life insurance can be a unique and valuable financial planning tool, especially when it comes to looking after the needs of your loved ones and in planning your estate.

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ACCIDENTAL DEATH & DISMEMBERMENT

AD&D benefit applies to employees and their families. Should you lose your life due to an accident, your beneficiary will receive this tax-free benefit in addition to the basic Life Insurance. 
Up to two times Basic Life Insurance (four times if paralysis).

Also, if you suffer a paralysis, loss or loss of use of a body part, a percentage of your principal sum will be paid to you. There are additional coverages included within this benefit to help pay for unforeseen expenses due to an accidental injury.

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Critical Illness Benefit


If the insured person is diagnosed with cancer, stroke, heart attack or kidney failure and survives at least 30 days, a lump sum payment will be made. Maximum $10,000.




Repatriation Benefit


Pays the actual expense incurred for preparing the deceased for burial or cremation and the shipment of the body of the insured to the city of residence. Maximum $15,000.




Rehabilitation Benefit


If special training is required because of an injury, payment will be made within 365 days of the accident. Maximum $15,000.




Family Transportation


Pays the cost of transporting a family member to where the insured is hospitalized. Maximum $15,000




Occupational Training Benefit


Pays expenses incurred for retraining of spouse who was not employed full-time at the time of the insured's death. Maximum $15,000.




Special Education Benefits


Upon the death of an insured, payment will be made for dependent children in a school for higher learning (university, private college, CEGEP, or trade school). Maximum $5,000.




Home Alteration and Vehicle Modification Benefit


Will pay within three years of an accident, the cost of alterations to a principal residence and/or modifications on a motor vehicle for the purpose of making them wheelchair accessible. Maximum $15,000




Day Care Benefit


Upon the death of an insured a benefit will be paid for the dependent children enrolled in a licensed Day Care Centre. $5,000/yr for 4 years




Seat Belt Benefit


If an insured person sustains an injury resulting in a payment from the 'Schedule of Losses' the principal sum amount will be increased by 10% if the insured was wearing a seat belt at the time of the accident




Continuation of Coverage


Insurance can be continued during leave of absence, sickness, maternity leave or lay-off period.




Waiver of Premium


If an insured person has been approved for long term disability, payment of premium will be waived




Conversion Option


Within 31 days of termination, application can be made to convert to an individual accident insurance plan with no evidence of insurability required





 

EXTENDED HEALTH CARE

EHC coverage is an important non-taxable benefit that provides a wide range of coverage to pay for procedures and expenses not covered by the provincial health care programs. 

The CNLA plan offers a basic plan with a number of plan design options. These options allow the employer to provide coverage that suits the company's budget without compromising on quality care.

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DENTAL

Dental coverage provides employees with a non-taxable benefit to lessen the burden of dental expenses. Like the Health Care Plan, the Dental Plan can be designed by the employer to meet the company's budget. A much appreciated benefit, a dental plan can help to attract retain and motivate employees.

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VISION

Vision Care Plans is a non-taxable benefit for employees.  Designed to reimburse expenses for glasses, contact lenses and laser eye surgery to a maximum amount every two years.  

Annual eye exam coverage is also provided.

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SHORT TERM DISABILITY

STD is available to owners and their regular employees. It is also known as Weekly Indemnity.  This benefit provides you with a weekly income when unable to work because of sickness or injury.

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LONG TERM DISABILITY

LTD plan covers you 24-hours a day and provides a monthly income, based on your age and annual earnings, if you were to become totally disabled.

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CRITICAL ILLNESS INSURANCE

CI provides a tax-free lump sum benefit payable after the insured survives 30 days with a defined critical illness.  It can be offered to employees to purchase on their own or an employer can elect to provide it to everyone.

CI was developed to alleviate some of the stress and financial burden resulting from any of the following critical illnesses: Heart Attack, Stroke, Coronary Artery Bypass Surgery, Paralysis, Multiple Sclerosis, Cancer, Blindness, Major Organ Failure, Alzheimer’s Disease, Amyotrophic Lateral Sclerosis (ALS), Aorta Surgery, Benign Brain Tumour, Coma, Deafness, Parkinson’s Disease, Severe burns, Ductal Carcinoma in situ (DCIS), Loss of independence.

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EMPLOYEE ASSISTANCE PROGRAM

An EAP program supports health at work, at home and in life.

"Resilience" is the extra help people sometimes need to cope with life's challenges. "Resilience" combines confidential counselling (person-to-person, via telephone, or via secure Internet chat room) as well as self-directed online resources that support both employees and managers alike. 

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FOREIGN WORKERS INSURANCE

Employees posted within Canada but normal place of residence is outside the country who does not qualify for any Canadian, federal and/or provincial health and hospitalization insurance plan are eligible.

This is no medical evidence required.
The employee's accompanying spouse and dependent children are also eligible.
Rates and full benefit descriptions are available upon request.

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OUR NATIONAL ADVISORS

Pamela Cooze

ON, PQ, NB, NS, NL

Sara Van Heuveln

BC

Todd Williamson

AB

 

Todd Williamson
SK

Laura Arambalis

ON

For updated COVID-19 resources and information from People Corporation click here.

 

For specific questions related to HR matters, you can contact:

People First HR@YourService

HRoncall@peoplefirsthr.com.

 
 

Contact us

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