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Privacy Policy/Protection de la vie privée

About Your Privacy

At Corporate Benefit Consultants, your privacy is, and always has been, very important to us. We are dedicated to providing you with superior service while protecting your privacy and safeguarding your personal information.

“Personal Information” is defined in Canada’s Personal Information Protection and Electronic Documents Act (‘PIPEDA’) as information about an identifiable individual, though it does not include the name, business title, business address or telephone number of employees of organizations.

Our ten privacy principles

Corporate Benefits is committed to maintaining the accuracy, confidentiality and security of your personal information. As part of this commitment, Corporate Benefits has adopted the following ten principles, based on the values set by the Canadian Standards Association’s Model Code for the Protection of Personal Information and Canada’s PIPEDA.

Accountability
We shall designate one or more individuals to be responsible for maintaining and protecting the personal information and be accountable for compliance with these principles.

Identifying Purposes
The purposes for which personal information is collected shall be identified before or at the time the personal information is collected.

Consent
Individual’s consent will be obtained for the collection, use or disclosure of personal information, except where the law provides an exemption.

Limiting Collection
The personal information we collect shall be limited only to that which is necessary for the purposes identified.

Limiting Use, Disclosure and Retention
Personal information shall only be used or disclosed for the purposes for which it was collected, unless an individual has otherwise consented or when it is required or permitted by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.

Accuracy
We shall keep personal information as accurate, complete and up-to-date as may be necessary to fulfill the purposes for which it is to be used.

Safeguards
We shall protect personal information using security safeguards that […]

By |July 17th, 2013|Privacy Policy|0 Comments|
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FAQ

[faq]
By |July 16th, 2013|Menu Item|0 Comments|
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Plan Details

Note: The following is for information purposes only. It is a summary of the provisions of the Group Policy. In the event of a discrepancy between this document and the Policy, the terms of the Group Policy will prevail. 

Click on the headings below for a full description of your plan details.

Core Benefits

Group Life and Accidental Death & Dismemberment Insurance Benefits Summary

You are eligible for Life Insurance coverage if you are an active full-time employee working at least 20 hours per week.

Benefit Amounts

All employees – Life and AD&D Benefit
1 times annual earnings to a maximum of $250,000

Non-Medical Life Maximum
$250,000

Overall Life Maximum
$250,000

Reduction Formula
50% at age 65, terminate at age 70

Waiver of Premium
120 days, 2 Year Own Occupation Definition

Features:

Life

Accelerated/Living Benefits

Conversion Privilege

Waiver of Premium

2 Year Rate Guarantee

 

AD&D

Paralysis Benefits:
200% not to exceed a maximum of $1,000,000

Waiver of Premium:
prior to age 65 and must be total disabled for 120 days

Continuation of Coverage:
to end of month due to layoff or leave of absence (excludes strike)

Conversion Privilege:
up to a maximum of $100,000

Exposure & Disappearance:
one year limit

Education Benefit:
lesser of 3% of principal sum or $5,000/year; maximum 4 years (lump sum of $1,000)

Family Transportation:
up to a maximum of $2,500

Rehabilitation Benefit:
up to a maximum of $10,000

Repatriation Benefit:
up to a maximum of $10,000 (minimum 50km)

Spousal Retraining:
up to a maximum of $10,000

Day Care Benefit:
lesser of 5% of principal sum, or $5,000/year; maximum 4 years (lump sum of $1,000)

Home Alteration/Vehicle Modification:
up to a maximum of $10,000

Hospital Indemnity:
daily benefit equal to 1/30th of principal sum; monthly maximum of $1,000; maximum of 12 months

Exclusions:
standard, including war, pilot/crew, owned, leased or operated aircraft

 

Schedule of Losses

Loss
The benefit will be:

Life
the principal sum

Both hands or both feet
the principal sum

Sight of both eyes
the principal sum

One hand and one foot
the principal sum

One hand or one foot […]

By |July 16th, 2013|Plan Details|0 Comments|
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Contact Us/Contactez-nous

Email:

 

 

For more information about enrolling in the program:

Download our convenient information request form

Address:

Corporate Benefit Consultants Ltd.
1450 Hopkins Street, Unit 107
Whitby, ON  L1N 2C3

 

Telephone:

Telephone:

(905) 943-4450

Fax:

(905) 943-7601

Toll Free:

(866) 802-3884

 

 

Courriel:

 

Pour plus de renseignements concernant l’inscription à ce programme:

Déchargez notre formulaire de demande d’information de façon commode

Adresse:

Corporate Benefit Consultants Ltd.
1450 Hopkins Street, Unit 107
Whitby, ON  L1N 2C3

 

Téléphone:

Téléphone:

(905) 943-4450

Fax:

(905) 943-7601

Toll Free:

(866) 802-3884

 

 

By |July 16th, 2013|Contact Us|0 Comments|
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Employee Booklets

Below are employee booklets that contain a summary of benefits for each of the following:

Core Benefits:
Group Life, Accidental Death and Dismemberment, and Long Term Disability Benefits
Optional Benefits:
Health & Dental – Plan A

Health & Dental – Plan B

Health & Dental – Plan C
Voluntary Benefits:
Voluntary Life Benefits
Core Benefits:
Group Life Benefits
Accidental Death or Dismemberment Benefits 
Long Term Disability Benefits
Optional Benefits:
Health & Dental – Plan A

Health & Dental – Plan B

Health & Dental – Plan C
Voluntary Benefits:
Voluntary Life Benefits

By |July 16th, 2013|Employee Booklet|0 Comments|
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Customer Service

Manulife Customer Service

Telephone: (800) 268-6195
Website: Click here to be redirected to Manulife’s Plan Member website.

Customer Service Information for Plan Administrators
Print this Telephone information for Manulife Financial’s Group Benefits

Customer Service Information for Plan Members
Telephone information for Manulife Financial’s Group Benefits

RBC Insurance Customer Service

Telephone: (800) 387-1555
Website: Click here to be redirected to RBC Insurance Plan Member website.

FutureBright Insurance Group Inc.

Telephone: Toll-free (877) 745-6800Service après-vente Manulife

Téléphone: (800) 268-6195
Site: Cliquez ici pour accéder au site des Membres du Plan de Manulife.

Information du Service Après-vente pour les Administrateurs du Plan
Imprimez cette information téléphonique pour les Prestations Collectives de Manulife Financial

Information du service Après-vente pour les Membres du Plan
Information téléphonique pour les Prestations Collectives de Manulife Financial 

Service après-vente RBC Assurances

Téléphone: (888) 604-3434
Site: Cliquez ici pour accéder au site des Membres du Plan de RBC Assurances.

By |July 16th, 2013|Customer Service|0 Comments|
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Forms

Downloadable Forms
Royal LePage and Corporate Benefit Consultants Ltd. have organized a forms library to assist you in applying for, administering and submitting claims for group insurance.

Manulife Forms
 

RBC Insurance Forms
 

FutureBright Insurance Forms
 

Manulife Forms
Description

Application for Change
Submit this form for plan member name changes, beneficiary changes, requests to add/terminate benefits, and/or requests to add/terminate dependent coverage within 31 days of the change in coverage.

Extended Healthcare Claim Form
Submit this form to claim the eligible extended health care benefits costs covered under your Manulife Financial Group Benefits plan. These may include drug and other medical expenses (e.g. medical supplies), equipment and appliances, vision care expenses, and practitioner expenses.

Dental Care Claim Form
Most dentists provide plan members with a standard Canadian Dental Association (CDA) claim form. If the dentist does not provide a CDA form, use this form to claim the eligible dental care benefits costs covered under your plan.

Group Benefits Materials Re-Order Form
Complete and mail or fax this form to Manulife Financial when re-ordering a supply of claim and/or administration forms. 

Request for Over-Age Dependent Coverage
Continued coverage for full-time students, beyond the age specified in your group benefits plan, can be requested by submitting this form to Manulife Financial Group Benefits. This form must be re-submitted by July 31st each year to confirm over-age student status coverage is continuing for the next school year. Coverage will then be extended up to August 31st of the next school year, the upper limit of the dependent definition age, or until coverage is terminated.Continued coverage for children with disabilities, beyond the age specified in your group benefits plan, can also be requested using this form.

Manulife – Evidence of Insurability
As a plan member, you should complete this form when:

You are late applying for your coverage, […]

By |July 16th, 2013|Forms|0 Comments|
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How to apply

Below are the forms for Franchise Enrollment, Member Enrollment and Voluntary Life Benefits.

Form
Description

Franchise Enrollment Form
Complete this form to request information about your Royal LePage Group Insurance Plan. Includes a form for paying your Manulife premiums electronically.

Member Enrollment Form
The enrollment form should be completed on an employee’s date of hire or re-hire and must be signed no later than 31 days after the employee’s first day of eligibility.

Voluntary Life Application Form
Complete this application for Voluntary Life Benefits.

Evidence of Insurability
This application must be filled out and submitted with your Voluntary Life Application Form.

Voluntary Critical Illness Insurance Application

Vous trouverez ci-dessous les formulaires pour l’Inscription correspondant aux Franchises, Membres et Prestations Volontaires de l’Assurance Vie.

Formulaire
Description

Formulaire d’Inscription de Franchise
Complétez ce formulaire pour demander des renseignements sur votre Plan d’Assurance Collective Royal LePage. Il inclut un formulaire vous permettant de payer vos primes Manulife électroniquement.

Formulaire d’Inscription de Membre
Le formulaire d’inscription devra être complété le jour où un employé est embauché ou réembauché et doit être signé dans les 31 jours après le premier jour d’admissibilité de l’employé.

Formulaire de demande d’Assurance Vie Volontaire
Complétez ce formulaire pour les Prestations Volontaires de l’Assurance Vie.

Evidence d’Assurnaçabilité
Ce formulaire doit être rempli et soumis conjointement avec votre Formulaire de Demande d’Assurance Vie Volontaire.

By |July 16th, 2013|How to apply|0 Comments|
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Need a Quote

Obtaining a quote for the Royal LePage Broker/Owner Plan is a two-step process.
Step One
You’ll need to determine which Health & Dental Plan is best suited to your corporate and employee objectives. Click here to request pricing for Optional Plans A, B or C. (Note: If you already have Health & Dental plan pricing, skip to Step 2).
Step Two
To receive a detailed Group Benefits quotation, including Life and Long-term Disability benefits, you will need to complete and submit a Confidential Employee Data sheet. Click here to begin this process. Once submitted, Franchise pricing will be provided within 48 hours.L’obtention d’un devis pour le Royal LePage Broker/Owner Plan est un processus en deux étapes.
Etape 1:
Vous devrez déterminer quel est le Plan Sanitaire & Dentaire le mieux adapté aux objectifs de votre compagnie et de vos employés. Cliquez sur ici afin de demander les tarifs pour les Plans Optionnels A, B ou C. (Note : si vous disposez déjà des tarifs du plan Sanitaire & Dentaire, passez à l’Etape 2);
Etape 2:
Afin de recevoir un Devis détaillé des Prestations Collectives, incluant des prestations d’Invalidité à Vie et à Long Terme, vous devrez remplir et remettre une Fiche de Données Confidentielles d’Employés. Cliquez sur ici pour commencer ce processus. Une fois fait, les tarifs de Franchise vous seront fournis en 48 heures.

By |July 16th, 2013|Need a Quote|0 Comments|
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Brochure

Program Brochure
Download the brochure
Core Benefits
Underwritten by RBC Insurance, your core benefits include:

Life and AD&D Insurance
Dependent Life Insurance
Long-Term Disability Insurance

Voluntary Life Insurance

RBC Insurance provides Voluntary Life Insurance** for employees up to $500,000, spouse up to $250,000 and child up to $10,000.

** Subject to medical underwriting
Voluntary Critical Illness Insurance
FutureBright Insurance Group Inc. provides Voluntary Critical Illness Insurance for employees to a maximum of $25,000 and for spouses to a maximum of $25,000. No medical evidence is required for amounts up to $25,000.
Optional Benefits
Underwritten by Manulife Financial. Each participant must enroll in all Core Benefits plus one of three available plan options for Extended Healthcare and Dental coverage for a minimum of two years. Changes in coverage (one Plan Level up or down) may be elected once the lock-in period has expired. You and your full-time support staff can choose different plans. It’s tailor made for all! Click here for Plan Details.
General Provisions
Who is eligible?

All Royal LePage franchise owners, Royal LePage Corporate Brokerage Managers and full-time support staff who work a minimum of 20 hours per week are eligible. Sales staff are not eligible to join this program. Please contact Human Resources at humanresources@royallepage2.com for more information.

When can I join?

For current employees, there is no waiting period. Newly hired employees must wait 90 days before they are eligible to join the program.

Is participation mandatory?

Yes. All eligible members of a participating franchise must enroll.

Are all benefits mandatory?

Yes. However, extended healthcare and dental benefits can be waived if you are currently covered by your spouse’s plan.

Who pays the premium?

Long-term disability premiums must be 100% paid by the employee. At least 50% of all other benefit premiums must be paid by the employer. (Employer contribution as determined by the Franchise […]

By |July 16th, 2013|Borchure|0 Comments|
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