CECA/ECAO

Benefits Details

Advantages of Association Plan Membership

Group Benefits

• Pooled Benefits
• Pooled Rates
• Lower Cost Due to Increased Volume

Group Registered Retirement Savings Plan

• Enhanced Rates
• No Fees
• Reduced Management Fees
• Creditor Protected

Life Insurance & AD & D

• Flat Amount $25,000
• Reduces by 50% at age 65
• Terminates at age 70

Optional Life Insurance

• Units of $10,000 to Maximum of $250,000

Dependent Life Insurance

• Spouse $5,000, Child $2,500

Long Term Disability (Optional)

• 66.67% of monthly earnings to a maximum of $1,500
• Non-Evidence Limit $1,500.
• Benefits commence 120th day of Disability
• Pre-existing Clause 6/12
• Maximum Benefit Period 5 years
• CPP/QPP Offsets

Extended Health Care

• Drug Reimbursement
• Calendar Year Drug Maximum
• Prescription Drug Deductible
• Semi-Private Hospital
• Out of Country/Province Travel Assistance
• Paramedical (eg: chiropractor, etc)
• Eye Exams
• Vision Care
• Private Duty Nurse $10,000/person/yr
• Survivor Benefit 2 years
• Dental Care (Optional) (current Dental Fee Guide for province of residence)
• Full mouth X-rays (limited to one every two years)
• Laboratory and diagnostic procedures, fillings, extractions, & other minor surgical procedures, anesthesia, consultation if required by the attending Dentist
• Endodontics (root canal)
• Periodontics (gum disease treatment)
• Survivor Benefit 2 years

Employee Family Assistance Program

• Reduced Rate
• Professional, Confidential Counselling Services for Employees & Members of their Immediate Families
• Extensive Network of Multi-Disciplined, Professional Counsellors

Health Spending Accounts

• Allows Employer to pre-budget group costs for the year
• Annual pre-set $ amount per employee
• May be used for any CRA eligible health/dental expenses
• Available for groups of 3 or more