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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.