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JDS Small Group Insurance Benefit Plans

JDS SMALL Group Insurance Benefit Plans

LIFE INSURANCE
 
Basic
Enhanced
Benefit Amount $25,000 $50,000
Termination Earlier of retirement or age 70 Earlier of retirement or age 70
ACCIDENTAL DEATH INSURANCE
 
Basic
Enhanced
Benefit Amount $25,000 $50,000
Termination Earlier of retirement or age 70 Earlier of retirement or age 70
LONG TERM DISABILITY
 
Basic
Enhanced
Benefit Amount per month $750 Without Evidence $1,500 (Minimum Salary $25,000/yr) With Evidence $2,500 (Minimum Salary $45,000/yr)
Qualifying Period 120 days 120 days
Maximum Benefit Period 5 Years 5 Years
Definition of Disability 5 years own occupation 5 years own occupation
Pre-existing Condition Clause 6/12 months 6/12 months
Benefit Offsets No Offsets Primary CPP/QPP, WCB, EI and any government plan of insurance including auto
Critical Illness Feature $1,000 single payment per Lifetime $1,500 single payment per Lifetime
Termination Earlier of retirement or age 65 minus qualifying period Earlier of retirement or age 65 minus the qualifying period
EXTENDED HEALTH BENEFIT
No deductible applies to any portion of the Extended Health Benefit
Maximums apply individually to each employee and dependent
 
Basic
Enhanced
Reimbursement (applies to Drugs, Paramedical Services & Medical Services & Supplies) 80% 100%
Drugs $5,000 calendar year maximum $10,000 calendar year maximum
Paramedical Services $750 calendar year maximum combined for all listed practitioners $1,000 calendar year maximum combined for all listed practitioners
Medical Services & Supplies $1,500 calendar year maximum combined for all services & supplies $2,000 calendar year maximum combined for all services & supplies
Reimbursement (applies to Ambulance, Hospital and Emergency Out of Country) 100% 100%
Ambulance (Ground) $500 per calendar year $500 per calendar year
Hospital, Semi-Private $500 per calendar year $1,000 per calendar year
Emergency Out of Country/Travel Assist 30 Day Trip Limit
$1,000,000 Lifetime
30 Day Trip Limit
$1,000,000 Lifetime
Termination Earlier of retirement or employee age 70, dependent children at age 21 Earlier of retirement or employee age 70, dependent children at age 21
VISION CARE BENEFIT
No deductible applies to any portion of the Vision Care Benefit
Maximums apply individually to each employee and dependent
 
Basic
Enhanced
Reimbursement Not available 100%
Frames, Lenses & Contacts Not available $150 per 24 consecutive months
Termination Not available Earlier of retirement or employee age 70, dependent children at age 21
DENTAL CARE BENEFIT
No deductible applies to any portion of the Dental Care Benefit
Maximums apply individually to each employee and dependent
 
Basic
Enhanced
Basic Reimbursement 80% 100%
Major Reimbursement Not available 50%
Calendar Year Maximum $1,000 $1,500 combined basic & major
Recall Exam 6 Months 6 Months
Scaling 10 Units per calendar year 10 Units per calendar year
Fee Guide Current General Practitioner for Province of Residence Current General Practitioner for Province of Residence
Termination Earlier of retirement or employee age 70, dependent children at age 21 Earlier of retirement or employee age 70, dependent children at age 21
SPECIAL JDS RATES FOR ONTARIO SMALL GROUPS

SAMPLE RATES

BASIC PACKAGE
With $25,000 Life Insurance included. This package as outlined above includes
LTD, Extended Health, and Dental care of 80%
Age 40 to 44 - Male $96.00 Per Month single and $188.00 for Family
Age 50 to 54 - Female $109.00 Per month Single and $211.00 for Family
Age 65 - Female $148.00 Per Month Single and $245.00 for Family
ENHANCED PACKAGE
With $50,000 Life insurance included. This package as outlined above also
includes LTD, Extended Health, and Dental care of 100% PLUS Vision Care
Age 45 to 49 - Male $157.00 Per Month single and $ 275.00 for Family
Age 60 to 64 - Female $211.00 Per Month single and $ 338.00 for Family

These are estimates only. Please call our office at 905-764-7868 for us to quote our JDS Low Cost Small Group benefit Plan.

This is an excellent plan for non profits and small businesses. Some restrictions may apply.

Call Today for a quote and outline of the coverages.

Key Elements Overview

Employee Life Insurance
  • Coverage provided is a Flat Benefit amount
  • Benefit amount does not reduce because of age
  • Conversion Privilege available to age 65
  • Reduction in premium available if approved for LTD Claim
  • Coverage terminates at the earlier of retirement or age 70
Employee Accidental Death Insurance
  • Coverage provided is a Flat Benefit amount
  • Benefit amount does not reduce because of age
  • Coverage terminates at the earlier of retirement or age 70
Employee Long Term Disability
  • Coverage provided is a Flat Benefit amount, depending on the JDS SMALLGroup Insurance Benefit Plan chosen and minimum salary requirements
  • Definition of Disability is 5 year own occupation
  • Critical Illness feature included
  • POSACTION Plus. services included
  • Reduction in premium available if approved for LTD Claim
  • The benefit is non taxable providing employees pay a minimum of 30% of the monthly premium for any JDS SMALLGroup Insurance Benefit Plan
  • Coverage terminates at the earlier of retirement or age 65 minus the qualifying period
  • Pre-existing condition clause
Extended Health Benefit
  • Coverage available for employee and dependents
  • No deductible applies to any JDS SMALLGroup Insurance Benefit Plan
  • Reimbursement varies depending on the Benefit Plan chosen
  • Drugs provided on a Pay Direct Drug Card basis
  • Paramedical Coverage includes the following practitioners: Chiropractors, Osteopaths, Chiropodists or Podiatrists, Naturopaths, Physiotherapists, Speech Therapists, Massage Therapists, Acupuncturists, Dieticians, Audiologists, Ophthalmologists or Optometrists for Eye-exams.
    There is no individual maximum per practitioner. Coverage is based on a combined annual dollar amount for all paramedical practitioners allowing for maximum flexibility in meeting the needs of each individual insured under a JDS SMALLGroup Insurance Benefit Plan.
  • Medical Services and Supplies include but are not limited to: Custom-made Orthopedic Shoes and Foot Orthotics, Hearing Aids, Diabetic Supplies and Equipment, Surgical Bras, Surgical Stockings. There is no individual maximum for any of the medical services or supplies under this portion of the benefit plan. Coverage is based on a combined annual dollar amount, allowing for maximum flexibility in meeting the needs of each individual insured under a JDS SMALLGroup Insurance Benefit Plan.
  • Ambulance Services - Ground Transportation
  • Semi-Private Hospital
  • Emergency Out of Country Coverage and Travel Assistance
  • Coverage for the employee and spouse terminates at the earlier of employee retirement or age 70, or attained age of 21 for dependent children
Vision Care Benefit
  • Available with JDS SMALL Group Insurance Benefit Plan Enhanced
  • Coverage available for employee and dependents
  • No deductible applies
  • Eye Glasses and Contact Lenses
  • Coverage for the employee and spouse terminates at the earlier of employee retirement or age 70, or attained age of 21 for dependent children
Dental Care Benefit
  • Coverage available for employee and dependents
  • No deductible applies to any Dental coverage
  • Basic Dental Coverage included in all JDS SMALLGroup Insurance Benefit Plans
  • All JDS SMALLGroup Insurance Benefit Plans include, but are not limited to coverage for the following: examinations and x-rays, cleaning and fluoride treatments, routine extractions and fillings, root canals, denture repair, periodontal treatment, surgical procedures performed by dentist, including anesthetics
  • Coverage for the employee and spouse terminates at the earlier of employee retirement or age 70, or attained age of 21 for dependent children
  • JDS SMALLGroup Insurance Benefit Plan Enhanced includes Major Dental Coverage. These services include but are not limited to: bridges and crowns, full/partial dentures, inlays and onlays, including veneers
Contact Our Office For Great Quotes
905-764-7868
1-800-917-SAVE
  J D Smith EXT 223
Individual Life and Groups are our Specialty
RIBO JD Smith Insurance Brokers
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
1-800-917-7283
Tel: 905-764-7868
Fax: 905-764-9618
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