PerformPlus A standard product made to order! GROUP INSURANCE

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1 PerformPlus A standard product made to order! GROUP INSURANCE

2 PerformPlus Healthy employees make for a healthy company. That s why businesses of all sizes have started paying more attention to health and wellness, and why related programs, like group insurance plans, have become valuable assets for companies that want to hold on to experienced employees or attract new talent. Are you looking for a group insurance plan that s flexible, that s tailored to your needs, and that will help you keep costs down? Then look no further than PerformPlus. Starting from a competitive basic plan, it offers a comprehensive range of flexible add-ons, so you can tailor your plan to suit your needs. PerformPlus is the perfect solution for small businesses that want to set up their first group insurance plan, or offer their employees a plan that s comparable to those provided by larger companies. With PerformPlus, you can offer your existing and future employees a benefits package that they ll be happy with, and that has their wellbeing in mind. PerformPlus has a full range of insurance benefits that come with a wide variety of options. PerformPlus gives you: n All the flexibility you need to design a plan that s tailored to your needs and those of your employees n An insurance plan that s easy to manage, thanks to the tools we give to your plan administrators n An insurance plan that s practical for your employees, with a wide range of tools and services To custom build your own PerformPlus group insurance plan: n You must have between 3 and 49 plan members n Your plan must include basic life insurance for all plan members n Your plan must include at least one other benefit offered under PerformPlus After that, you can add as many additional benefits as you like to meet your needs and those of your employees. 2 PerformPlus

3 PerformPlus benefits LIFE INSURANCE In the event of an accident, illness or premature death, would your employees and their families have enough financial protection? Would they be able to maintain the same standard of living? Basic life insurance (mandatory) A wide selection of coverage amounts for your employees and their dependants Competitive amounts without evidence of insurability Up to $1,000,000 in coverage Optional life insurance available Coverage up to age 71 Accidental death and dismemberment (AD&D) Up to $1,000,000 in coverage 200% of plan member s insurance coverage for quadriplegia, hemiplegia or paraplegia Optional coverage also available for dependants Same amount as basic life insurance Dependant life Spouse: up to $10,000 in coverage Children: 50% of the spouse s insurance coverage Critical illness insurance Basic plan or enhanced plan that covers 31 illnesses Coverage also available for dependants Coverage up to age 65 PerformPlus 3

4 DISABILITY INSURANCE For better financial health Short-term disability insurance Up to $2,000 in coverage without evidence of insurability Graded schedule also available Long-term disability insurance Up to $12,000 in coverage Graded schedule also available Cost-of-living adjustment available Disability management and prevention Health is Cool 360 platform DENTAL INSURANCE With dental insurance, your employees and their families can see a dentist on a regular basis and prevent dental problems that could potentially impact their general health down the road. Several options and maximums available Preventive, basic, endodontic and periodontic services Major restorative care (available for groups of five or more plan members) Orthodontic services (available for groups of 10 or more plan members) Coverage until retirement EXTENDED HEALTHCARE INSURANCE The health of your employees is one of your most valuable assets. Help them take care of it with our extended healthcare insurance. A comprehensive selection of plan designs available to suit your needs Overall maximum reimbursed: up to 100% of incurred expenses Prescription drug coverage with payment card Active Pharmacy service encourages plan members to choose safe, approved, lower-cost maintenance drugs, which are delivered by free standard shipping to any address of their choice* Services of most common paramedical practitioners (choice of a maximum per practitioner or a combined maximum for all practitioners) Nursing care: $10,000 a year Convalescent care (including home assistance services, childcare expenses, transportation expenses and our convalescence telephone assistance service) Vision care: up to $300 every 24 months Coverage until retirement * Not available in Quebec. 4 PerformPlus

5 PerformPlus services Our services add value to your plan. Some are automatically included with PerformPlus and others are add-ons to other benefits. You can also select individual services à la carte. OUR ONLINE SERVICES Automatically included in all PerformPlus plans Our online services make group plan administration easier and include all the tools plan members and administrators need. For plan administrators Our secure site is a user-friendly way to quickly and efficiently perform virtually every transaction involved in managing your PerformPlus plan: View plan member profile summaries Add new plan members Manage absences Manage monthly billing Get plan management reports and forms View your transaction history For plan members PAYMENT CARD Included with the extended healthcare (drug coverage) and dental benefits With the direct payment card, pharmacists and dentists can immediately tell plan members or insured dependants how much is covered by their plan. Eligible reimbursable expenses are deducted on the spot, and the plan member then pays the difference (i.e., the uninsured portion of the expenses). It is also useful for insureds to carry the payment card with them when travelling, both at home and abroad. In case of an emergency, it contains the contact information for the Travel Assistance service, which they can contact anytime, anywhere in the world. TRAVEL ASSISTANCE Included with the extended healthcare benefit The Travel Assistance service offers personal on-the-spot medical assistance to plan members and their dependants worldwide, 24 hours a day, 7 days a week. The service makes the necessary arrangements to help them deal with a medical emergency: it can direct them to a doctor or healthcare facility, cover advances required by a hospital, locate interpretation services, repatriate them to their city of residence, connect them with a lawyer in case of legal issues, and more. Our secure site offers plan members a variety of features, including: Online claims for a range of extended healthcare services, including vision care An online drug cost simulator Pre-filled forms Management of dependant information and coordination of benefits Enrolment in our Direct Deposit and Electronic Notice service Printable payment card Printable reports for income tax purposes Access to the Health is Cool 360 platform (if included in your plan) Plan members registered for the secure site can also download our Claim 360 app and use their tablet or smartphone to submit claims for care or services administered by a healthcare professional (including vision care). With the pay-direct claims service, certain extended healthcare providers can submit claims directly to us on behalf of their patients. For your plan members, that means quick and secure claims processing and no more paper forms. And if your plan includes a travel insurance option, your plan members can download the Desjardins Travel Solution app and take it with them wherever they go for immediate emergency assistance. PerformPlus 5

6 HEALTH IS COOL 360 PLATFORM Automatically included with the long-term disability benefit Accessible online or by phone, this platform contains a variety of reliable tools and up-to-date resources to help employees make informed decisions about their health and wellness. Some of its features: A health evaluation tool that plan members can use to identify their health risks and generate a personalized action plan to help them reduce or avoid these risks Health PACT, a counselling service, available online and by phone, designed to reduce absenteeism and keep plan costs down. It helps employees understand medical conditions that require special attention and encourages them to deal with health problems proactively A list of local services and wait times in the Canadian healthcare system Information on drugs and treatment options for specific illnesses Information on how to cope with a chronic illness or disability Comprehensive directories and a variety of health-related articles HEALTH SPENDING ACCOUNT Optional service A Health Spending Account (HSA) is the perfect add-on to a group insurance plan. You deposit a certain number of credits for each employee at the beginning of the year, and they use the credits to pay for health or dental expenses (for themselves or their dependants) that aren t covered by their provincial health insurance or any other group insurance plan. There are a number of advantages to an HSA. It helps you manage plan costs more effectively and makes your employees more aware of health costs. It s also a great way to expand the scope of your basic health plan and meet the wide-ranging needs of your employees by giving them more flexibility. CONVALESCENT CARE Optional service offered with the extended healthcare benefit During convalescence, this service provides assistance to help your employees recover quickly. Services included: Assistance with basic activities of daily living (e.g., personal hygiene, preparing meals, getting dressed) Household chores (e.g., cleaning, laundry, dishes) Home maintenance (e.g., snow removal, yard work) Help getting to consultations or medical appointments Childcare expenses, at home or at a daycare Transportation expenses for public transit, taxis or cars used for consultations, medical or paramedical appointments, or treatments provided outside the home Convalescence assistance service (telephone service available 24/7) ACTIVE PHARMACY Optional service offered with the drug insurance benefit.* This practical solution was designed to change employee behaviour. It encourages them to make better health decisions, which lowers costs for both you and your employees. In fact, you may be able to cut your costs for chronic health problems by as much as 10%. Delivery of maintenance medications** by free standard shipping Up to a 90-day supply for a single dispensing fee Selection of safe, cost-effective therapeutic alternatives the insured can choose from in consultation with their treating physician Increased use of generic drugs Renewal of maintenance medications online, by phone or by mail Automatic reminders and renewals mean employees don t have to worry about running out of maintenance medications, which results in better treatment adherence Pharmacist on call 24/7 to answer questions in strict confidence * Not available in Quebec. ** Prescription drugs that treat ongoing medical conditions such as asthma, diabetes, high blood pressure and high cholesterol, which account for more than 50% of all drug claims. 6 PerformPlus

7 POSACTION Optional program The Posaction employee assistance program is a confidential psychosocial intervention service for employees and their immediate families. Whether in person, by telephone or online, counselling is available to help them work through their difficulties, no matter what they are: Work-related problems Personal difficulties Family difficulties Substance abuse problems Legal problems Financial problems Eldercare Childcare HEALTH ASSISTANCE SERVICE Included with the extended healthcare benefit Health Assistance is a telephone service that s available 24 hours a day, 7 days a week. It s designed to help employees get practical information and valuable health advice, whenever they need it. Whether they re looking for preventive measures or need to know what to do in a minor emergency, they ll get the help they need. DISABILITY MANAGEMENT AND PREVENTION Automatically included with the disability benefit We take a proactive approach to disability management and examine all possible causes of a disability. Our goal is to shorten absences by ensuring your employees regain their health and make a safe and lasting return to work. We are available throughout the entire process, and we ll manage your plan in a way that will give you the best possible results. We ll work closely with you to make sure we fully address the unique needs of your organization so you can focus on meeting your business objectives. CUSTOMER CONTACT CENTRE Automatically included in all our plans Our Customer Contact Centre receives close to 5,900 communications a day. Our agents are on hand to answer your questions in both English and French. PerformPlus 7

8 ABOUT DESJARDINS INSURANCE Desjardins Insurance has been offering a wide range of life and health insurance and retirement savings products to individuals, groups and businesses for more than a century. As one of Canada s five largest life insurers, it oversees the financial security of over five million Canadians from offices across the country. Desjardins Insurance is part of Desjardins Group, the country s leading cooperative financial group. Would you like a quote for your group? Contact your group insurance advisor. Vancouver Calgary Edmonton Winnipeg Toronto Ottawa Montreal Lévis Dartmouth St. John s Visit our website at: desjardinslifeinsurance.com Proud Partner of Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. Posaction is a registered trademark owned by Solareh. Registered trademark owned by Desjardins Financial Security Life Assurance Company 98065E08 (15-03)