PerformPlus A standard product made to order! Group insurance

Transcription

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, letting you tailor your plan to your needs. PerformPlus is the perfect solution for small businesses that want to set up their first group insurance plan, or to offer their employees a plan that s comparable to those provided by larger companies. With PerformPlus, you ll be able to offer your existing and future employees a benefits package that they ll be happy with and that has their well-being in mind. PerformPlus has a full range of insurance benefits that come with a wide range 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 administer, thanks to the tools we give to plan administrators n an insurance plan that s practical for your employees, with a wide range of tools and services To custombuild your own PerformPlus group insurance plan: n you must have at least three plan members n your plan must include basic life insurance for all plan members n your plan must include at least one other coverage option offered under PerformPlus And you can add as many additional coverage options as you like to meet your needs and those of your employees. 2 PerformPlus

3 PerformPlus coverage options LIFE INSURANCE In the event of premature death, accident or sickness, 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 dependents competitive amounts without proof of insurability up to $1,000,000 in coverage supplementary life insurance coverage available coverage available up to age 85 Accidental death and dismemberment (AD&D) up to $1,000,000 in coverage for quadriplegia, hemiplegia or paraplegia: 200% of plan member s insurance coverage optional coverage also available for dependents same amount as basic life insurance Dependent life spouse: up to $25,000 in coverage dependent children: choice of 50% or 100% of the spouse s insurance coverage Critical illness insurance basic plan or enhanced plan that covers 31 illnesses coverage also available for dependents coverage available up to age 65 or 70 PerformPlus 3

4 DISABILITY INSURANCE For better financial health! Short-term disability insurance up to $1,500 without evidence of insurability graded schedules also available Long-term disability insurance up to $12,000 in coverage graded schedules also available cost of living adjustment available disability management and prevention Health is Cool 360 platform DENTAL CARE INSURANCE With dental care 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 offered up to age 85 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 meet your needs overall maximum reimbursed: up to 100% of incurred expenses drug coverage with payment card Pharmacy Benefit Management and home delivery services, to encourage plan members to choose safe, approved, lower-cost maintenance drugs that are delivered by free standard shipping to any address of their choice services of most common paramedical practitioners (choice of maximums per practitioner, per visit, or combined maximum for all practitioners) nursing care: up to $20,000 per year convalescent care (including home assistance services, childcare expenses, transportation expenses and telephone assistance service) vision care: up to $300 every 24 months coverage available up to age 85 (or until retirement for Quebec residents) 4 PerformPlus

5 OUR ONLINE SERVICES Automatically included in all PerformPlus plans PerformPlus services Our services add value to your plan. Some are automatically included with PerformPlus and others are add ons to the various coverage options. You can also select individual services à la carte. PAYMENT CARD Included with extended healthcare insurance (drug coverage) and dental care insurance With the direct payment card, pharmacists and dentists can immediately let plan members or insured dependents know how much is covered under their plan. Reimbursable eligible 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 plan members 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 Voyage Assistance service, which they can contact anytime, anywhere in the world. VOYAGE ASSISTANCE Included with extended healthcare insurance In case of a medical emergency, Voyage Assistance offers on the spot medical, personal and financial assistance worldwide, 24 hours a day, 7 days a week. This service is offered to both plan members and their dependents. Voyage Assistance will arrange for a variety of emergency medical services, such as interpretation services, emergency transportation, meals and accommodation, as well as other services such as repatriation, vehicle return, urgent messages and legal assistance. Our secure websites are a source of useful information for plan administrators and plan members. They also help them keep better track of their group benefits and services, so they can get the most out of their plan. For plan administrators Our secure site for plan administrators is a fast, easy and efficient way to administer PerformPlus plans. And most transactions can be made online: comprehensive management of plan member records autosave for incomplete enrollments transaction histories monthly premium statements reports to track plan performance guides and forms online billing The site gives plan administrators the flexibility they need to do their jobs efficiently. Online training is also available to show users how the site works a great resource for new administrators. For plan members Our secure site for plan members is a practical tool that lets them manage their benefits and submit claims electronically at any time. The site also includes a number of other great features: online claims for a range of extended healthcare services access to their insurance files management of dependents and coordination of benefits income tax reports guides and personalized forms printable payment card single sign-on so plan members with a Desjardins Insurance group retirement savings plan can easily switch between the two sites access to the Health is Cool 360 platform (if included in your plan) access to the travel assistance mobile application (if included in your plan) With the Direct Deposit and Electronic Notice Service, plan members will be notified by when their claims have been processed, and refunds will be deposited directly into their bank accounts. PerformPlus 5

6 HEALTH IS COOL 360 Automatically included with long-term disability insurance This is a service that employees can access online or by phone. It contains a variety of reliable tools and up-to-date resources to help them make informed decisions about their health and wellness. It contains, among other features: a health evaluation tool that plan members can use to identify health risks and generate a personalized action plan to help limit or avoid these risks a list of local services and wait times in the Canadian healthcare system information on treatment options for specific illnesses and drug information information on how to cope with a chronic illness or disability comprehensive directories and a variety of healthrelated articles PHARMACY BENEFIT MANAGEMENT AND HOME DELIVERY SERVICES Optional service offered with drug insurance coverage We offer you these practical solutions designed to change employee behaviour, resulting in better health decisions and lower costs for both you and your employees. In fact, you may be able to cut your overall healthcare costs by up to 5% and your costs for chronic health problems by as much as 10%. delivery of maintenance medication* by free standard shipping up to a 90-day supply for a single dispensing fee encourages use of safe, approved, lower-cost medications order and renew maintenance medication online, by phone or by mail automatic refills so plan members don t need to worry about running out of maintenance medication confidential access to experienced pharmacists pharmacist on call 24/7 * 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 drugs claimed. CONVALESCENT CARE Optional service offered with extended healthcare insurance and included with nursing care During convalescence, this service provides assistance to help your employees recover promptly. Convalescent care provides: assistance with basic activities of daily living (personal hygiene, food preparation, etc.) help getting to consultations or medical visits childcare expenses, either at home or at a daycare transportation expenses for public transit, taxis or cars used for consultations, medical or paramedical follow-up visits or treatment provided outside the home convalescence assistance service (telephone service available 24/7) 6 PerformPlus

7 Posaction Optional program The Posaction employee assistance program is a confidential psychosocial intervention service for employees and their immediate families. One-on-one or telephone 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 extended healthcare insurance The Health Assistance Service is a telephone assistance service that s available 24 hours a day, 7 days a week. We are there to guide and support your employees on the road to health and well-being. This service gives them access to practical information, sound advice and assistance services. Whether they re looking for preventive measures or to find out what to do in a minor emergency, they ll get the help they need. DISABILITY MANAGEMENT AND PREVENTION Automatically included with disability insurance Our approach to disability management is to be proactive and examine all possible causes of a disability. Our goal is to shorten employee absences by ensuring they regain their health and make a safe and lasting return to work. As soon as your contract takes effect, you are assigned a claims specialist and a disability management and prevention rehabilitation specialist. They ll create an action plan to help disabled employees make a lasting recovery and return to work safely. CUSTOMER CONTACT CENTRE Automatically included in all our plans Our Customer Contact Centre receives close to 4,800 calls a day. Our agents are on hand to answer your questions in both French and English. PerformPlus 7

8 About Desjardins Insurance For more than a century, Desjardins Insurance has been offering a wide range of life and health insurance and retirement savings products to individuals, groups and businesses. As one of Canada s five largest life insurers, we look after the financial security of over five million Canadians from our 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 Winnipeg Edmonton 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. Registered trademark owned by Desjardins Financial Security Posaction is a registered trademark owned by Solareh. This document was printed on Cascades Rolland Enviro100 paper E08 (13-10)