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The Smart Plan for Small Business helps Canadian small businesses balance excellent benefit coverage with cost containment.
The Smart Plan is designed specifically for businesses that:
Why Choose The Smart Plan for Small Business?
IT’S CONFIGURABLE
The Smart Plan can be adjusted for the specific needs of your business and your employees, across virtually any sector or location in Canada.
IT’S AFFORDABLE
The Smart Plan pricing has been benchmarked against other group benefits plans to ensure that small businesses are receiving competitive and maximum value.
IT’S COMPREHENSIVE
The core Smart Plan includes every key feature of a modern, adaptable benefits plan, while allowing your business to add or upgrade components as your business grows.
IT’S EASY TO IMPLEMENT
Our expert advisors can help you build your Smart Plan over the phone and get you a quote fast. You can be up and running in days.
You’re covered with Smart Plan for Small Business.
The Smart Plan for Small Business is straightforward, transparent, and flexible. With The Smart Plan, you’re completely covered!
| EMPLOYEE HEALTH TREATMENT | SMART PLAN | SMART UPGRADE |
|---|---|---|
| 80% drug coverage, with SmartRx Solutions* *mandatory generic drugs, MaintainRx with FormuCARE |
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| 80% paramedicals up to $250 annually |
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| 80% visioncare, including prescription glasses or contacts for prescription glasses, contacts & assessments |
set your own limit | |
| Health Savings Account (HSA) employees decide how to spend their health treatment dollars |
available | 100% semi-private hospital |
| Emergency medical bundle up to $5,000 accidental dental, ambulance, semi-private hospital, medical appliances |
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| Health recovery bundle up to $10,000 convalescence home care, private duty nursing |
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| Out of country emergency medical up to $5,000,000, up to 180 days |
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| Telus Health Virtual Care access to nurse practitioner, 24/7/365 by phone, tablet or computer |
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| Telus Health short-term counselling services talk to a qualified counselor by phone or in person, 24/7 |
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| EMPLOYEE DENTAL TREATMENT | ||
| 80% basic & preventative up to $1,000 annual max, 9 month recall, 8 scaling units per year |
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| DISRUPTIVE HEALTH EVENTS | ||
| Accident & serious illness coverage up to $25,000 |
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| Optional guaranteed critical illness coverage employees can individually purchase up to $50,000 without a medical exam |
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| Medical second opinion confirm a difficult diagnosis & get more treatment options |
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| Life insurance coverage $25,000, 50% reduction at age 65, termination at age 70 |
1 year annual salary | |
| Dependent life insurance coverage protect family members |
select amount | |
| Long-term income replacement (disability) up to 60% non-taxable benefit, 112 day elimination period, 12 month own occ, to age 65 |
up to 60% | |
| DMI assist customized treatment, return-to-work plans & rehab services |
included in all disability plans | |
| EMPLOYEE WELLNESS & LIFESTYLE | ||
| LIFT session physical fitness personalized fitness programs via phone or computer |
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| Living Well e-newsletter monthly wellness & life hack newsletter |
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| Employee wellness library 24/7 video, webinar & online resources |
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| Travel assistance get help in an emergency to get home when illness or accidents disrupt plans |
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| Trip cancellation recover travel expenses when illness disrupt plans |
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| EMPLOYEE SUPPORT | ||
| Paper free plan onboarding eliminate paperwork with 24/7 mobile-friendly plan member onboarding |
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| myGroupHEALTH claims & info portal 48-hour claims turnaround, photo claims, pay direct, extended hour contact centre |
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| EMPLOYER SERVICES | ||
| AssurePLUS rate pooling, for pricing stability and predictability Available for organizations with less than 16 employees |
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| P.A. Assist 24/7 self-service Paper Free plan administration, with extended hours client support |
READY TO TALK?
Get started in three easy steps.
1. Review your options with a licensed advisor, on phone or in person
2. Supply some basic business information, so we can give you a comparison quote
3. Finalize your benefits plan and get set up in days
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