Plan Design

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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Overview

Collage HR is an all-in-one HR platform specifically built for Canadian businesses. Collage helps you manage everyday HR tasks online – like approving vacation requests, coordinating new hire training, conducting performance reviews, posting open jobs, managing your new hire pipeline and more. No matter how big or small your team is, Collage helps deliver a more enjoyable and more compliant employee experience with less work.

Collage HR includes the ability for your employees to fill out their payroll information (SIN, bank account, federal and provincial TD1 forms) and the system syncs directly with the payroll software* of your choice. This means that you can simply use Collage to onboard new hires or update employee information like salaries, and all of those updates will automatically flow to your payroll software. This eliminates the need for manual double entry and helps ensure that your payroll will always be correct and compliant. Additionally, your employees will each have their own self-serve login where they can view their information and keep it up to date at any time, from anywhere in the world, from any device.

Interested in getting started? Launching Collage HR for HortProtect clients is fast and simple. Simply click the link provided to you to set up a launch call with a member of the Collage HR team, and they’ll help you each step of the way.

You have nothing to lose, and lots to gain.

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

Voluntary Life Insurance for Employee and Spouse
(in addition to the Basic and Dependant Life Insurance)
Offered by Parachute Digital Solutions, Voluntary Life Insurance provides additional financial protection to the employee’s beneficiaries in the event of the insured’s death.

Up to $100,000 guaranteed issue coverage, without medical questions, if purchased within the 60-day open enrolment window
Up to $250,000 each with evidence of insurability

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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Up to four times annual salary, or flat amounts are available
Maximum benefit $850,000
Critical Illness Rider • 5% of principal sum to a maximum of $10,000 for diagnosis of cancer, heart attack, stroke or kidney failure
Your spouse’s coverage is equal to your basic sum and each child 20% of your basic sum

Voluntary AD&D

(in addition to the Basic AD&D Insurance)

Up to additional $250,000 without evidence of insurability

In addition to a full schedule of losses, the AD&D benefit includes the following additional benefits:

Click for Additional Benefits

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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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

*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.

*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.

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

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.

Voluntary Critical Illness Insurance for Employee and Spouse

Parachute Critical Illness Insurance is available in two packages, allowing employees to choose the protection that best fits their needs. Parachute Essential covers 7 adult conditions and 11 child conditions. Parachute Complete covers 32 adult conditions and 23 child conditions. It also comes with three added benefits: Multiple Cancer Benefit, Multiple Event Coverage, and the Early Diagnosis Benefit.

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Guaranteed issue amount of $30,000 without medical questions when purchased within the 60-day open enrolment window for employee, spouse and/or dependent children
Up to $100,000 available with evidence of insurability
One-time charitable donation of $500 to the charity of the insured’s choice when the first claim is approved and paid

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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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.