The group insurance program is underwritten by Industrial Alliance for Life, Long Term Disability and Short Term Disability, AIG for Accidental Death & Dismemberment and Green Shield Canada for Extended Health and Dental benefits. An Employee Family Assistance program (EFAP) is provided by HUB International and is also included as part of the Extended Health benefit.

The group benefits plan is designed on a building-block approach. Each employer can choose the plan which is best suited to the needs of its staff. Options are as follows:

• Plan 1 includes Life insurance, Accidental Death & Dismemberment insurance and Long Term Disability insurance.
• Plan 2 includes everything in Plan 1 plus Extended Health Care benefits.
• Plan 3 includes everything in Plan 2 plus Dental Care benefits.
• Plan 4 includes everything in Plan 3 plus Short Term Disability insurance.

BASIC LIFE INSURANCE

• Pays 200% of annual salary in the event of death, to a maximum benefit of $200,000

BASIC ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE

• Pays an additional 200% of annual salary, to a maximum benefit of $200,000
• Covers both occupational and non-occupational accidents
• Pays a portion of the death benefit for dismemberment or paralysis due to an accident

OPTIONAL LIFE AND AD&D INSURANCE

• Basic insurance can be increased in units of $25,000 to a maximum additional benefit of $250,000
• Can be purchased for the employee, spouse, or both. Premiums are paid through payroll deduction

LONG TERM DISABILITY INSURANCE

• Pays 66.7% of monthly salary to a maximum benefit of $5,000 per month
• Benefits start on the 120th day of continuous disability and continue to age 65
• Payments offset by workers’ compensation and disability benefits under CPP or QPP

EXTENDED HEALTH BENEFITS (included in plans 2, 3 & 4 only)

• Each employee can choose single or family coverage or waive coverage if there is comparable coverage under a spouse’s plan

• 100% coverage for services of paramedical practitioners, up to $500 per practitioner per calendar year
• 100% coverage for hearing aids, up to $500 per lifetime per person
• 100% coverage for eyeglasses or contact lenses, up to $100 every 24 months

• 80% coverage for prescription drugs, including oral contraceptives

• 100% coverage for semi-private hospital accommodation in Canada

• 100% coverage for emergency out-of-country medical costs, up to a calendar year maximum of $1,000,000

• Access to qualified professionals that provide counseling and resources for support when individuals have personal family or work- related concerns

• Telehealth solution that directly connects members to Canadian-licensed physicians online within minutes to receive medical advice, prescriptions and more

DENTAL BENEFITS (included in plans 3 & 4 only)

• Each employee can choose single or family coverage, or can waive this coverage if there is comparable coverage under a spouse’s plan
• All dental benefits are limited to a combined maximum of $1,250 per covered person per calendar year
• Benefits based on the current Provincial dental association fee guide

• 100% coverage for basic dental services such as check-ups, x-rays, fillings and basic dental surgery
• 100% coverage for comprehensive basic services such as endodontic and periodontic services
• 50% coverage for major restorative services, including dentures, denture repairs, crowns, and bridgework

SHORT TERM DISABILITY (Included in plan 4 only)

• Benefit amount is 66.67% of weekly earnings to a maximum benefit equal to the current EI maximum
• Benefits start on the 8th day of continuous disability and continues for up to 15 weeks
• Payments are offset by workers’ compensation, EI, and CPP or QPP

Joining CSAE
CSAE Head Office
Canadian Society of Association Executives
10 King Street East, Suite 1100
Toronto, ON M5C 1C3
Tel: 416-363-3555 or 1-800-461-3608
Fax: 416-363-3630

For administrative changes such as enrolling as a new group, billings, supply requests, coverage, and to check your enrollment status:
E-mail: csc@lifeworks.com
Toll-Free: 1-866-432-8427
Fax: 1-877-464-0109

For Health and Dental Claims:
Green Shield Canada:
8677 Anchor Drive
P.O Box 1606
Windsor, ON N9A 6W1
Tel: 519-739-1133
Toll-Free: 1-888-711-1119
Fax: 519-739-0200
Carrier Website
Online claim submission

For Life, Long Term Disability & Short Term Disability Claims:
Industrial Alliance
522 University Avenue
Toronto, Ontario M5G 1Y72
Fax: 416-204-4777
Toll-Free: 1-877-780-7231
Carrier Website
Claim Forms