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What Are My Benefit Options?

Health Coverage

Dental Coverage

Life Insurance

Accidental Death & Dismemberment

Long-Term Disability Coverage

Minimum Coverage

Health Coverage

In most cases you’ve got the three options below. If you have additional options, you’ll see them when you visit the GroupNet Flex enrolment site. 

Here are the highlights (plan details are on the GroupNet Flex enrolment site).

Core Health

  • Costs the least per paycheque
  • Has a $200 deductible (which means you pay the first $200 in covered costs or prescription drugs yourself)
  • Reimburses 70% of covered costs after your $200 deductible is met
  • Reimburses 70% of prescription drug costs
  • You pay any dispensing fees charged by the pharmacy
  • No coverage for eye care
  • No coverage for  paramedical professional services

Health Plus

  • Costs more per paycheque
  • No deductible
  • Reimburses 80% of covered costs
  • Reimburses 80% of prescription drug costs
  • Covers dispensing fees up to $7 per fee (limit of 5 fees per drug per year)
  • Covers eye exam up to $60 every two years
  • Covers Chiropractors and Physiotherapists up to $300 per practitioner per year
  • Covers Psychologists up to $500 per year

Health Premium*

  • Costs the most per paycheque
  • No deductible
  • Reimburses 90% of covered costs
  • Reimburses 90% of prescription drug costs
  • Covers dispensing fees up to $7 per fee (limit 5 fees per drug per year)
  • Covers eye exam up to $60 every two years
  • Covers glasses/contact lenses up to $200 every two years
  • Covers Chiropractors, Massage Therapists, Physiotherapists, Naturopaths, Osteopaths, Podiatrists, and Speech Therapists up to $500 per practitioner and $1,250 in total per year
  • Covers Psychologists up to $750 per year
  • Covers nursing care up to $15,000 per year

*A two-year lock-in rule applies to this option. If you choose this coverage, you will not be able to change options for two years.

All options:

  • Cover 100% of emergency out-of-country care
  • Provide same levels of coverage for medical supplies (orthopedic shoes, hearing aids, compression stockings and prosthetics)
  • Have a $4,000 annual out-of-pocket maximum (maximum amount you pay out of your own pocket for covered services)
  • Coverage ends at retirement or age 80, whichever comes first

Note: for coverage limits, a year is the period from April 1st to March 31st.

Dental Coverage

In most cases you’ve got the three options below. If you have additional options, you’ll see them when you visit the GroupNet Flex enrolment site. 

Here are the highlights (plan details are on the GroupNet Flex enrolment site).

Standard Dental

  • Costs the least per paycheque
  • Deductible of $50 per person (up to $100 per family) must be met before coverage begins
  • Reimburses 70% of basic and preventive care, endodontics and periodontics expenses
  • Covers 12 units of scaling per year
  • Major services not covered
  • Annual maximum benefit: $750

Dental Plus*

  • No deductible
  • Reimburses 80% of basic and preventive care, endodontics and periodontics expenses
  • Covers 12 units of scaling per year
  • Covers 50% of major services
  • Annual maximum benefit: $1,000

Dental Premium*

  • Costs the most per paycheque
  • No deductible
  • Reimburses 90% of basic and preventive care, endodontics and periodontics expenses
  • Covers 12 units of scaling per year
  • Covers 50% of major services
  • Annual maximum benefit: $1,500

*A two-year lock-in rule applies to this option. If you choose this coverage, you will not be able to change options for two years.

All options:

  • Cover one exam every nine months
  • Do not cover orthodontia
  • Coverage ends at retirement or age 80, whichever comes first

Note: for coverage limits, a year is the period from April 1st to March 31st.

 

Life Insurance

Team Member Life Insurance

You get Core Life and have the option to buy additional coverage:

Core Life Insurance

  • Provides a $25,000 benefit to your beneficiaries when you die.
  • Coverage ends at retirement or age 75, whichever comes first.
  • Benefit is different in some versions of the plan; amount will be shown when you enrol.

Optional Life Insurance

  • Provides a $25,000 benefit to your beneficiaries when you die.
  • Coverage ends at retirement or age 75, whichever comes first.
  • Benefit is different in some versions of the plan; amount will be shown when you enrol.

Optional Dependent Life Insurance

You have two options:

Optional Spousal Life Insurance

Provides you with a benefit when your spouse dies:

  • Select increments of $5,000 up to a maximum of $500,000

  • Coverage ends at Team Member’s retirement or when spouse reaches the age of 65, whichever is first

  • Spouse needs to provide proof of good health.

Optional Child Life Insurance

Provides you with a benefit when your child dies:

  • Select increments of $2,500, up to a maximum of $25,000

  • Coverage ends at Team Member’s retirement or when the child is no longer eligible for coverage, whichever is first

family full

family full


Accidental Death & Dismemberment

You receive this automatically if you participate in TimCare Flex.

It provides a benefit of $25,000 to your beneficiaries if you die in an accident. The benefit is different in some versions of the plan; amount will be shown when you enrol. Smaller benefits are paid to you if you lose a limb or your sight or hearing in an accident.

Coverage ends at retirement or age 70, whichever comes first.

Long-Term Disability Coverage

You must work at least 28 hours per week on average to qualify for Long-Term Disability coverage.

If you qualify, you will have two options. If you have additional options, you’ll see them when you visit the GroupNet Flex enrolment site.

Core Long-Term Disability

  • Pays you $1,000 per month if you are disabled and unable to work.
  • Benefit paid for up to 2 years or to age 65, whichever is earlier.
  • Coverage ends at retirement or age 65, whichever comes first.
  • The benefit is different in some versions of plan; the amount will be shown when you enrol.

Long-Term Disability Plus

  • Pays you $1,000 per month if you are disabled and unable to work.
  • Benefit paid for up to 5 years or to age 65, whichever is earlier.
  • Coverage ends at retirement or age 65, whichever comes first.
  • The benefit is different in some versions of plan; the amount will be shown when you enrol.

Minimum Coverage

The plan is designed to provide a basic level of coverage to all eligible Team Members. If you are eligible for the plan and don’t refuse coverage, the minimum coverage you will get includes these benefits:

  • Core Health Coverage
  • Core Life Insurance
  • Core Accidental Death and Dismemberment Insurance
  • Core Long-Term Disability Coverage (but only if you work at least 28 hours per week on average)

You may opt out of Health Coverage if you have coverage under another health care plan, such as your spouse’s plan.

If you are eligible for TimCare and live in Québec, provincial law requires that you choose health coverage for yourself and all your eligible dependents, unless you and your dependents have coverage through another non-provincial plan (another plan other than RAMQ).

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