TRIANGLE FLEX

BENEFITS
AT A GLANCE
HEALTH CARE OPT-OUT  OORDINATION
C ESSENTIALS PLUS MAX
OF BENEFITS
Coinsurance No Coverage 20% 65% – increases 80% – increases 90% – increases
to 100% after to 100% after to 100% after
out-of-pocket out-of-pocket out-of-pocket
max reached max reached max reached
Prescription Drugs No Coverage Unlimited* Unlimited* Unlimited* Unlimited*
(Mandatory Generic)
Dispensing Fee Max No Coverage $9 $9 $9 $9
Out of pocket max No Coverage None $1,500 per $1,000 per $1,000 per
person/year person/year person/year
Out-of-Canada 100% 100% 100% 100% 100%
Medical Emergency**
Emergency Travel Covered Covered Covered Covered Covered
Assistance
Vision No Coverage $200/24 months No Coverage $200/24 months $400/24 months
Eye exam No Coverage One eye exam/ One eye exam/ One eye exam/ One eye exam/
24 months 24 months 24 months 24 months
Hospital Coverage No Coverage Semi-private room No Coverage Semi-private room Semi-private room
Private Duty Nursing No Coverage $25,000/3 $25,000/3 $25,000/3 $25,000/3
consecutive years consecutive years consecutive years consecutive years
Hearing Aids No Coverage $500/48 months $500/48 months $500/48 months $500/48 months
Custom-made No Coverage $500/year $500/year $500/year $500/year
Orthopaedic Shoes
Orthotics No Coverage $350/year $350/year $350/year $350/year
* Based on Reasonable & Customary fee
** 100% of eligible expenses for trips 60 days or less to a lifetime max of $3,000,000

HEALTH CARE OPT-OUT COORDINATION ESSENTIALS PLUS MAX

OF BENEFITS
Paramedical 1* No Coverage $500/practitioner $500/practitioner $500/practitioner $750/practitioner
per year up to $500 per year up to per year up to per year up to
combined $1,000 combined $1,250 combined $1,500 combined
Paramedical 2** No Coverage $5,000 combined $5,000 combined $5,000 combined $5,000 combined
for all practitioners for all practitioners for all practitioners for all practitioners
per year per year per year per year
Virtual Care Covered Covered Covered Covered Covered
* Includes: Osteopath; Podiatrist; Chiropodist; Chiropractor; Naturopath; Registered Massage Therapist; Dietician; Acupuncturist; Speech Therapist;
Physiotherapist; Audiologist; Occupational therapist
** Includes: Psychologist; Psychotherapist; Social Worker; Clinical Counsellor; Marriage and Family Therapists; Psychoanalysts
 DENTAL CARE OPT-OUT  OORDINATION
C ESSENTIALS PLUS MAX
OF BENEFITS
Recall Examination No Coverage Once/9 months Once/9 months Once/9 months Once/9 months
Preventative Services No Coverage 20% 80% 80% 100%
Basic Services/ No Coverage 20% 50% 70% 90%
Endodontics/
Periodontics
Major Services; No Coverage 20% No Coverage 50% 60%
including Crowns,
Inlay/Onlay
Bridges No Coverage 20% No Coverage 50% 80%
Basic, Preventative, No Coverage $500/year $1,000/year $2,000/year $3,000/year
Endodontics/
Periodontics,
Dentures, Bridges,
Crowns, Inlay/Onlay
Orthodontics No Coverage No Coverage No Coverage 50% up to a 50% up to a
(for children under lifetime max of lifetime max of
age 19 only) $1,500 $2,500

Note: coverage based on current fee guide for General Practitoners in province of treatment.

LIFE INSURANCE
BASIC OPTIONAL SPOUSAL CHILD
1 x or 2 x annual earnings* Available in units of $10,000 Available in units of $10,000 Available in units of $5,000
(rounded to the next $1,000) to a max of $1,000,000 to a max of $1,000,000 to a max of $25,000
to a max of $2,000,000 (Non- Evidence of Insurability Evidence of Insurability
evidence Max of $1,500,000) required required

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

BASIC OPTIONAL SPOUSAL CHILD
1 x or 2 x annual earnings* to Available in units of $10,000 Available in units of $10,000 Available in units of $5,000
a max of $2,000,000 to a max of $1,000,000 to a max of $1,000,000 to a max of $25,000
* Based on your eligibility criteria
Note: Benefits payable varies by severity of loss for all basic and optional coverage.

CRITICAL ILLNESS (CI)

BASIC OPTIONAL SPOUSAL CHILD
No Coverage Available in units of $10,000 Available in units of $10,000 Available in units of $5,000
to a max of $200,000 – to a max of $200,000 – to a max of $20,000
guaranteed issued amount guaranteed issued amount
$50,000 $20,000

LONG-TERM DISABILITY (LTD)

ESSENTIALS PLUS MAX
Benefit – Retail Store 50% monthly earnings, with 50% of monthly earnings, with 67% of monthly earnings, with
Managers and Employees a maximum benefit period of a maximum benefit period of a maximum benefit period of
2 years 5 years 5 years
Benefit – All Other 50% of monthly earnings 60% of first $7,500 + 55% 60% of first $7,500 + 55%
Employees of next $7,500 + 40% of of next $7,500 + 40% of
remainder remainder + COLA
Max Monthly Benefit $20,000 (Non-evidence max $20,000 (Non-evidence max $20,000 (Non-evidence max
of $15,000) of $15,000) of $15,000)
Note: Saskatchewan part-time employees excluded from LTD coverage.

If you have excess flex credits you can direct the credits to one of five options: Health Care Spending Account (HCSA), Wellness Account,
Group Retirement Savings Account (RRSP), Tax Free Savings Account (TFSA), Taxable Cash