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:

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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• Up to two times annual salary, or flat amounts are available

• Maximum benefit of $850,000 ($600,000 without medical evidence of insurability)

• Benefit terminates at retirement (regardless of age)

• $5000 for spouse / $2500 per child, or $10,000 for spouse / $5000 per child

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Voluntary Life Insurance​ for Employee and Spouse

(in addition to the Basic and Dependant Life Insurance)

• Up to $30,000 guaranteed (non-medical), if elected within 31 days of eligibility

• Up to $500,000 each with evidence of insurability

ACCIDENTAL DEATH & DISMEMBERMENT

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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• Online claims submission

• Covers 100% of semi-private hospital

• Out-of-Province/Canada Emergency Medical & Travel Assistance at 100%, unlimited (covered beyond age 65)

• Chiropractor, podiatrist/chiropodist (combined), masseur, physiotherapist, speech therapist, osteopath, naturopath, registered dietician/nutritionist (combined), acupuncturist and psychologist/social worker/psychoanalyst (combined)

• Drugs (with card) - Mandatory Generic drugs at 80%, 90% or 100% coverage 
  (employees over age 65, with drug coverage under their provincial plan, have reduced Extended Health Care rates)

• Identity Theft Insurance

• Access to tools, information, world-class doctors for second opinions and resources on how to navigate the Canadian health care system

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*provincial deviations apply - speak with your advisor for details.

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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• 80%, 90% or 100% of basic dental care services (exams, recalls, x-rays, fillings, extractions, anesthesia, periodontal & endodontic services).

• 50% major dental care services (crowns, inlays, onlays & bridgework). This is a separate option in addition to basic dental care.

• Optional orthodontic care for children; covers 50% with a maximum benefit of $1500/lifetime.

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*provincial deviations apply - speak with your advisor for details.

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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• Covers glasses/contacts/laser eye surgery, either $100 or $200 per person every 24 months
  (every 12 months for dependents under age 18)

• Services of an Ophthalmologist or licensed Optometrist to a maximum of $25 every calendar year

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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• Covers 66 2/3% of weekly salary from day 0 for an accidental disability or after 7 days for a sickness disability to a maximum of 16 weeks

• Benefit maximum is $750 per week

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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• Covers 70% of monthly salary

• Maximum benefit of $10,000/month without evidence of insurability; up to $13,000 with medical evidence

• Waiting period of 90 or 119 days (company choice)

• Cost of living benefit up to 1.5% on disability payments

• Payable to age 65

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.

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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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• Benefit options of $10,000, $25,000 or $50,000 for employee and/or spouse

• Covers twenty-one critical illnesses

• No medical evidence requirement

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People are living longer lives and advances in medical science have resulted in a greater number of people surviving illnesses that were once fatal. Having survived a critical illness, many are unable to swiftly return to work and are in need of special care. Coverage is now available to provide financial assistance for such expenses. 

EMPLOYEE ASSITANCE 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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• A confidential counselling service that provides plan members and their family access to a network of professionals.

• Professionals include: psychologists, social workers, addiction and career counselors, childcare and eldercare specialists, legal and financial experts.

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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• 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.