Rates are set at the pool level — not based on your individual claims — so some groups pay a bit more upfront in exchange for more stable renewals.
Plan Designs – Add-ons
Add-on 1: Long Term Disability (LTD)
| Feature | Entry | Essential | Enhanced |
|---|---|---|---|
| Benefit formula | No coverage | 66.67% of salary | 66.67% of salary |
| Non-evidence limit (NEL) | — | $2,000 | $2,000 |
| Maximum monthly benefit | — | $4,000 | $4,000 |
| Elimination period | — | 16 weeks | 16 weeks |
| Benefit period | — | Earlier of 5 years or age 65 | Earlier of 5 years or age 65 |
| Taxable | — | No (employee paid) | No (employee paid) |
| Integration of benefits | — | Yes – direct offset | Yes – direct offset |
| All source maximum | — | 85% of pre-disability salary | 85% of pre-disability salary |
| Pre-existing conditions | — | Yes (6/12/24) | Yes (6/12/24) |
| Duration of own occupation | — | 24 months | 24 months |
| Cost of living adjustment | — | None | None |
| Termination age | — | Age 65 (less the elimination period) | Age 65 (less the elimination period) |
Add-on 2 & 3: Spending Accounts
Health Spending Account (HSA)
Member + CRA dependents
- Allocation maximum (fixed): $200, $500 or $700
- Benefit period: Calendar year
- Deposit frequency: Annual
- Participation: Mandatory (if chosen)
- Opting out of core plan: Ineligible
- Administration fee: 8.5%
Personal Wellness Account (PWA)
Member only
- Allocation maximum (fixed): $200, $400 or $600
- Benefit period: Calendar year
- Deposit frequency: Annual
- Participation: Mandatory (if chosen)
- Opting out of core plan: Ineligible
- Administration fee: 8.5%
HSA & PWA Accounts: billing includes the total of claims plus administration fees and applicable taxes. Credit carry-forward is used for unused credits. No advisor commission applies.
Optional Benefits (member-direct coverage enhancement)
Optional Critical Illness
- Max (Employee and/or Spouse): $200,000 (units of $10,000)
- Max (Children): $5,000
- Non-evidence limit: $20,000
- Pre-existing conditions: 24/24
- Family content: Member cannot be both an employee and a dependent/spouse
- Waiver of premium: None
- Billing: Member-direct (credit card or PAD)
- Termination age: 70
Optional Life
- Max (Employee and/or Spouse): $250,000 (units of $10,000)
- Max (Children): $25,000 (units of $5,000)
- Non-evidence limit: $20,000
- Pre-existing conditions: 24 months for death by suicide
- Family content: Member cannot be covered as both an employee and a dependent/spouse
- Waiver of premium: None
- Billing: Member-direct (credit card or PAD)
- Termination age: 70
Optional AD&D (rider on Optional Life)
- Benefit maximum: Matches approved Optional Life coverage amount
- Coverage options: Single or Family
- Family coverage amounts (%): Member 100%; Spouse 40% (or 50% if no coverage for children); Children 5% per child (or 10% if no covered spouse)
- Waiver of premium: None
- Billing: Member-direct (credit card or PAD)
- Termination age: 70
Get pooled pricing (fast)
Standard pooled rates can be slightly higher upfront because they aren’t priced on your individual claims history — that tradeoff is what helps keep renewals steadier inside the pool.
Book a custom benefits review
Prefer a tailored plan built around your team mix, budget priorities, and benefit strategy? We’ll map options and provide a clear recommendation.