Pooled Programs

Our Pooled Programs balance premium coverage with stable rates, effectively eliminating the volatility common to most benefits plans for groups of 3 – 20+*.

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Essentials Benefits Programs

Affordable, preventative health focused

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Franchise Programs

Available for groups of 2+ (including owners)

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Small business focused plans for groups of 3 – 20+

Essentials Benefits Program

Affordable and Balanced Coverage

Preventative Health Focused
Most affordable premiums
Stability of pooled claims

Features pooled rates & claims for Extended Healthcare and Dental. Rates are based on the average age, claims, size of the entire pool. This program is a popular choice across many industries including Retail, Service, Franchise, Manufacturing and more…

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ClearBenefits.ca 2020 Release

Core Essentials Benefits Option is perfect as a first time benefits plan

Essentials Program - Core Option Menu

Core Essentials Benefits Option

Quality coverage, lower premiums

20% lower premiums than Essentials Option 5
No medical questions
Wide-range of industries covered

Features pooled rates & claims for Extended Healthcare and Dental

Core level coverage, perfect for introducing a benefits plan for the first time

This program provides affordable benefits for classes of staff previously excluded (general labour, warehouse, junior staff)

Core Essentials Benefits can easily enhanced with an HSA or GRSP.

Easy set-up. No medical questions required.

put your benefits plan in a superior position, with rate stability normally only available to larger employers

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Lifestyle Benefits Program

Contemporary, health focused coverage

Ideal Solution for:

Enhanced Preventative Health
Lifestyle-focused features
Enhanced coverage levels

Features pooled rates & claims for Extended Healthcare and Dental. Rates are based on the average age, claims, size of the entire pool.

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Pooled Programs | Lifestyle Benefits Program

For Growing Teams – Ideal for groups of 3—20+

take the guesswork out of benefits

ClearBenefits.ca takes the guesswork out of benefits through the spread of risk across many clients

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Better Structure for groups of 2 – 20+

Franchise Program

Exclusive Features for the Franchise Industry

Our Franchise Program ensure all locations have the same rate structure through pooled rates and claims, allowing for voluntary participation and choice of coverage options, with franchisees responsible for their own premiums and administration. We have one of the only programs that meet the unique needs of the Canadian franchise industry.

Learning Center: ClearBenefits.ca Franchise Program Overview

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Essentials Benefits Program

Basic Life Insurance & Accidental Death/Dismemberment	Option 1	Option 2	Option 3	Option 4	Option 5	Core Option
Employee Life Insurance (each benefit)	$25,000	$25,000	$25,000	$25,000	$25,000	$25,000
Accidental Death & Dismemberment	$25,000	$25,000	$25,000	$25,000	$25,000	$25,000
Dependent / Child	$10,000 /$5,000	$10,000 /$5,000	$10,000 /$5,000	$10,000 /$5,000	$10,000 /$5,000	$10,000 /$5,000
Optional Life Insurance
Available in units of $10,000 ($500,000 maximum)	Optional	Optional	Optional	Optional	Optional	Optional
Available to employee and /or spouse	Optional	Optional	Optional	Optional	Optional	Optional
Optional AD&D
Available in units of $10,000 ($300,000 maximum)	Optional	Optional	Optional	Optional	Optional	Optional
Available to employee and /or spouse	Optional	Optional	Optional	Optional	Optional	Optional
Extended Healthcare
Overall Maximum	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
Out-Of-Country Emergency $5,000,000 / 90 days per trip	100%	100%	100%	100%	100%	100%
Semi-Private Hospital Room	100%	100%	100%	100%	100%	100%
Air & Ground Ambulance	100%	100%	90%	90%	80%	70%
Drug Expenses – Pay Direct Drug Card included on all options Generic / Brand coverage	100% / 80%	100% / 80%	90% / 70%	90% / 70%	80% / 60%	70% / 50%
Drug Expense Annual Limit — per eligible family member	$5,000	$5,000	$2,000	$2,000	$1,000	$750
All Other Covered Expenses	100%	100%	90%	90%	80%	70%
Paramedical Practitioners Coverage is per type category, per eligible family member, per year:
Acupuncturist	$500	$500	$350	$350	$300	$300
Audiologist	$500	$500	$350	$350	$300	$300
Chiropractor	$500	$500	$350	$350	$300	$300
Massage Therapist	$500	$500	$350	$350	$300	$300
Naturopath/Homeopath	$500	$500	$350	$350	$300	$300
Nutritionist/Dietitian	$500	$500	$350	$350	$300	$300
Occupational Therapist	$500	$500	$350	$350	$300	$300
Osteopath	$500	$500	$350	$350	$300	$300
Podiatrist/Chiropodist	$500	$500	$350	$350	$300	$300
Psychologist/Social Worker/Clinical Counsellor/Psychotherapist	$500	$500	$350	$350	$300	$300
Physiotherapist	$500	$500	$350	$350	$300	$300
Speech Therapist	$500	$500	$350	$350	$300	$300
Vision: eye exams once every 24 months	R&C	R&C	R&C	R&C	R&C	R&C
Lens, Frames, Contacts once every 24 months	$300	$300	$250	$250	$200	$200
Dental
Annual Dental Maximum (per family member)	$1,500	$1,500	$1,000	$1,000	$750	$500
Recall Exams	1 / 6 months	1 / 6 months	1 / 6 months	1 / 6 months	1 / 6 months	1 / 6 months
Annual Deductible (single / family)	$0	$0	$0	$0	$0	$0
Basic (Routine Coverage)
Cleanings	80%	80%	80%	80%	80%	70%
X-Rays	80%	80%	80%	80%	80%	70%
Scaling	80%	80%	80%	80%	80%	70%
Root Canals	80%	80%	80%	80%	80%	70%
Oral Surgery	80%	80%	80%	80%	80%	70%
Fluoride	80%	80%	80%	80%	80%	70%
Gum Disease Treatment	80%	80%	80%	80%	80%	70%
Denture Maintenance	80%	80%	80%	80%	80%	70%
Major Restorative
Crowns	50%	50%	n/a	n/a	n/a	n/a
On-lays	50%	50%	n/a	n/a	n/a	n/a
Bridges	50%	50%	n/a	n/a	n/a	n/a
Dentures	50%	50%	n/a	n/a	n/a	n/a
Long Term Disability
% of eligible monthly earnings	66.7%	n/a	66.7%	n/a	n/a	n/a
Maximum monthly benefit	$6,000	n/a	$6,000	n/a	n/a	n/a
Benefit period	5 years	n/a	5 years	n/a	n/a	n/a
Employee Assistance Program — by Morneau Shepell	Optional	Optional	Optional	Optional	Optional	Optional
Second Opinion Consult — by WorldCare	Optional	Optional	Optional	Optional	Optional	Optional
Short Term Disability (66.7% 1/8/16 Benefit Period)	Optional	Optional	Optional	Optional	Optional	Optional
Critical Illness	Optional	Optional	Optional	Optional	Optional	Optional

Lifestyle Benefits Program

Basic Life Insurance & Accidental Death/Dismemberment	Option 1	Option 2	Option 3	Option 4	Option 5
Employee Life Insurance (each benefit)	$50,000	$50,000	$50,000	$50,000	$50,000
Accidental Death & Dismemberment	$50,000	$50,000	$50,000	$50,000	$50,000
Dependent / Child	$15,000 /$7,500	$15,000 /$7,500	$15,000 /$7,500	$15,000 /$7,500	$15,000 /$7,500
Optional Life Insurance
Available in units of $10,000 ($500,000 maximum)	Optional	Optional	Optional	Optional	Optional
Available to employee and /or spouse	Optional	Optional	Optional	Optional	Optional
Optional AD&D
Available in units of $10,000 ($300,000 maximum)	Optional	Optional	Optional	Optional	Optional
Available to employee and /or spouse	Optional	Optional	Optional	Optional	Optional
Extended Healthcare
Overall Maximum	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
Out-Of-Country Emergency $5,000,000 / 90 days per trip	100%	100%	100%	100%	100%
Semi-Private Hospital Room	100%	100%	100%	100%	100%
Air & Ground Ambulance	100%	100%	90%	90%	80%
Drug Expenses – Pay Direct Drug Card included on all options Generic / Brand coverage	100% / 80%	100% / 80%	90% / 70%	90% / 70%	80% / 60%
Drug Expense Annual Limit — per eligible family member	$25,000	$25,000	$10,000	$10,000	$7,500
All Other Covered Expenses	100%	100%	90%	90%	80%
Paramedical Practitioners Coverage is per type category, per eligible family member, per year:
Acupuncturist	$750	$750	$500	$500	$350
Audiologist	$750	$750	$500	$500	$350
Chiropractor	$750	$750	$500	$500	$350
Massage Therapist	$750	$750	$500	$500	$350
Naturopath/Homeopath	$750	$750	$500	$500	$350
Nutritionist/Dietitian	$750	$750	$500	$500	$350
Osteopath	$750	$750	$500	$500	$350
Podiatrist/Chiropodist	$750	$750	$500	$500	$350
Psychologist/Social Worker/Clinical Counsellor/Psychotherapist	$750	$750	$500	$500	$350
Physiotherapist	$750	$750	$500	$500	$350
Speech Therapist	$750	$750	$500	$500	$350
Vision: eye exams once every 12 months	R&C	R&C	R&C	R&C	R&C
Lens, Frames, Contacts once every 12 months	$350	$350	$300	$300	$250
Dental
Annual Dental Maximum (per family member)	$3,000	$3,000	$2,000	$2,000	$1,500
Recall Exams	1 / 6 months	1 / 6 months	1 / 6 months	1 / 6 months	1 / 6 months
Annual Deductible (single / family)	$0	$0	$0	$0	$0
Basic (Routine Coverage)
Cleanings	80%	80%	80%	80%	80%
X-Rays	80%	80%	80%	80%	80%
Scaling	80%	80%	80%	80%	80%
Root Canals	80%	80%	80%	80%	80%
Oral Surgery	80%	80%	80%	80%	80%
Fluoride	80%	80%	80%	80%	80%
Gum Disease Treatment	80%	80%	80%	80%	80%
Denture Maintenance	80%	80%	80%	80%	80%
Major Restorative
Crowns	60%	60%	50%	50%	n/a
On-lays	60%	60%	50%	50%	n/a
Bridges	60%	60%	50%	50%	n/a
Dentures	60%	60%	50%	50%	n/a
Long Term Disability
% of eligible monthly earnings	66.7%	n/a	66.7%	n/a	n/a
Maximum monthly benefit	$6,000	n/a	$6,000	n/a	n/a
Benefit period	Up to age 65	n/a	Up to age 65	n/a	n/a
Employee Assistance Program — by Morneau Shepell	Yes	Yes	Yes	Yes	Yes
Second Opinion Consult — by WorldCare	Yes	Yes	Yes	Yes	Yes
Short Term Disability (66.7% 1/8/16 Benefit Period)	Optional	Optional	Optional	Optional	Optional
Critical Illness	Optional	Optional	Optional	Optional	Optional

*Pooled Programs underwritten by The Co-operators Life Insurance Company

for clients wanting stable, predictable rates

put your benefits plan in a superior position, with rate stability normally only available to larger employers

Get a Quote Today