Rates are set at the pool level, not 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
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 plan built around your team mix, budget priorities, and benefit strategy? We’ll map options and provide a clear recommendation.