Employee Group Benefits
Good employees are hard to find and keep. We can help. Recently, over 80% of polled employees declined to trade their group plans for extra holidays! You know that your ACTA employee group benefits program can be a very powerful tool.
- Uniquely constructed with specialized coverage by multiple carriers
- Assigned benefit consultants to serve you personally (not a call centre!)
- Individualized monthly billings that show employer and/or employee premiums
- No medical evidence required for groups of 3 or more to apply for the basic benefits
The advantages include:
- Employee attraction/retention
- Reduced re-training, hiring and training costs
- Reduced absenteeism due to health issues
- Reduced stress for those whose families depend on the plan
Who Is Eligible?
All Member Agencies of ACTA are eligible to apply for Group Benefits Insurance. Agency owners and their employees must work a minimum of 20 hours per week and all eligible employees must apply for coverage.
Basic Life Insurance
- All staff – a flat $20,000
Dependent Life Insurance
- $5,000 spouse
- $2,500 each child
Accidental Death & Dismemberment
- Same benefit as the Basic Life amount
- Double the Life Benefit if death occurs due to an accident
Extended Health Care
- Prescription drug re-imbursement level of 80%
- No annual deductibles
- 100% re-imbursement of all eligible expenses
- Semi-private hospital accommodation
- 30 days out-of-country emergency medical and travel assistance
- Paramedical coverage (chiropractor, physiotherapy etc.) up to $15 per visit and an annual maximum of $300.
- $1,000,000 lifetime maximum
Basic Dental Care
- Basic coverage with re-imbursement option of 80%
- No annual deductibles
- Recall examinations once every 9 months
- $1,000 benefit maximum per person per calendar year
Major Dental including Ortho
- Available to clinics with five or more employees with basic dental coverage
- Major restorative (crown & caps) with 50% re-imbursement
- $1,000 annual maximum per person ($500 1st year maximum)
- Orthodontia – 50% re-imbursement with a $1,000 lifetime maximum
- For dependent children under age 18 only
Vision Care Coverage
- Coverage for eye glasses and contact lenses
- Re-imbursement level options of $80.00, $150.00, or $200.00 every 24 months
Long Term Disability Insurance
- 66 2/3% of monthly income to a maximum benefit of $5,000
- Benefit payable to age 65
- 119 day waiting period
Optional Life
- Amounts of up to $750,000 may be purchased by members and spouses
