We are
your benefits
provider

Simple and flexible to use, our benefit plans are tailor-made to support the well-being of your employees and their families. You can choose the plan that best suits your organization and everyone on your payroll — both hourly and salaried staff.

 

Healthy employees are happy employees

Our comprehensive benefits plans are cost effective, simple to use and easy to access. Plus, employees participating in the OpenCircle Hour Bank Benefit Plan are entitled to benefit plan portability between OpenCircle Member companies with an Hour Bank Plan.

OpenCircle benefits include:

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Health and Wellness

Our flexible benefits support both mental and physical aspects of your overall health.

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Life Insurance and Income Replacement

OpenCircle’s life insurance and income replacement ensures you and your loved ones are safeguarded from financial loss due to disability or death.

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Simple Access and Easy to Use

Our direct billing, online claim submissions, and convenient app make it easy to access your benefit information any time—anywhere.

Health and Wellness

We support your well-being

Dental

All plans include a dental care benefit. We have three levels that companies can choose from, meaning that our plans can meet the diverse needs of your group. All dental care options include coverage for basic and major dental, and some plans include orthodontic coverage for children, and even adults.

Employers can select a plan that provides 80% or 100% coverage for eligible drugs. With no lifetime or annual maximums, your employees will be protected against rising drug costs.

All plans include a vision care benefit. We have three levels that companies can choose from, meaning that our plans can meet the diverse needs of your group. All vision care options include coverage for eye exams and prescription eyewear. Employees also have an additional $150 benefit for prescription safety glasses for on-the-job.

100% coverage for semi-private hospital, medical equipment and supplies, and out-of-country medical emergencies. Paramedical coverage for physiotherapists, chiropractic, psychologists, massage therapists and more, subject to hourly and annual limits.

24/7, 365 days a year access to professional counselling and much more.

Coverage of up to $2,000,000 CAD per incident is available in the event of an unexpected medical emergency outside of Canada.

Connects individuals and their treating physicians with world-renowned specialists to confirm the correct diagnosis and treatment plan, without having to leave home. It also assists in navigating the health care system through one-on-one coaching and support.

Life Insurance and Income Replacement

Have peace of mind

Life Insurance

Under the Hour Bank Plan, companies can choose a flat Employee Life Insurance amount between $50,000 and $150,000. Office Supervisory Plan coverage is salary-based – participating companies can choose one, two or three times the employee’s annual salary. In the case of accidental death, the benefit doubles. Life insurance is $10,000 for a spouse and $5,000 for dependent children.

Benefits are available after 182 consecutive days of an employee’s total disability. The Hour Bank LTD benefit is a flat monthly benefit that the company selects. The Office Supervisory LTD benefit is based on the employee’s salary. Benefits are payable where an employee qualifies and was actively at work at the time of disability.

STD is an optional add-on to your company’s OpenCircle Benefit Plan. Benefits are payable on the first day of an employee’s accident or hospitalization, or on the eighth day of a disabling illness. The Hour Bank STD benefit is a flat weekly benefit that the company selects. The Office Supervisory STD benefit is based on the employee’s salary. Benefits are payable where an employee qualifies and was actively at work at the time of disability.

Simple to Access and Easy to Use

Beneficial services

Electronic Claims Filing

Most medical and dental claims can be submitted electronically. Claim payments can be expedited through direct deposit.

Most medical and dental claims can be submitted electronically. Claim payments can be expedited through direct deposit.

Most providers of health and dental services are able to bill Canada Life directly.