{"id":103,"date":"2013-07-28T23:21:15","date_gmt":"2013-07-28T23:21:15","guid":{"rendered":"http:\/\/jpress.journalism.ryerson.ca\/royalfr\/?page_id=103"},"modified":"2013-11-02T10:22:45","modified_gmt":"2013-11-02T14:22:45","slug":"details-du-plan","status":"publish","type":"page","link":"https:\/\/corporatebenefits.ca\/royallepagefr\/details-du-plan\/","title":{"rendered":"D\u00e9tails du Plan"},"content":{"rendered":"

D\u00e9tails du Plan<\/b><\/h1>\n\n\n\n
Note: Les points suivants sont indiqu\u00e9s dans un but purement informatif. Il s\u2019agit d\u2019un r\u00e9sum\u00e9 des dispositions de la Politique Collective. Dans le cas o\u00f9 il existerait une diff\u00e9rence entre le pr\u00e9sent document et la Politique, les termes de la Politique Collective pr\u00e9valent.\u00a0<\/span><\/p>\n

Cliquez sur les ent\u00eates figurant ci-dessous pour une description plus d\u00e9taill\u00e9e de votre plan<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Prestations de base<\/b><\/p>\n

    \n
      \n
    1. R\u00e9sum\u00e9 des Prestations de l’Assurance Collective Vie, Mort Accidentelle et Mutilation
      \n<\/b><\/span><\/span><\/li>\n
    2. La pr\u00e9sente offre d\u2019assurance-vie collective comprend tous les employ\u00e9s en service actif \u00e0 temps plein travaillant au moins 20 heures par semaine.<\/li>\n<\/ol>\n<\/ol>\n

       <\/p>\n

        \n
          \n
        1. \n
            \n
          1. \n\n\n\n\n\n\n\n\n
            Montants assur\u00e9s<\/b><\/span><\/span><\/td>\n<\/tr>\n
            Tous les employ\u00e9s – Garantie d’assurance-vie et DMA<\/span><\/span><\/td>\n1 fois le revenu annuel jusqu’\u00e0 concurrence de 250 000$<\/span><\/span><\/td>\n<\/tr>\n
            Montant d’assurance-vie maximal<\/span><\/span><\/td>\n250 000$<\/span><\/span><\/td>\n<\/tr>\n
            Montant global maximal<\/span><\/span><\/td>\n250 000$<\/span><\/span><\/td>\n<\/tr>\n
            Formule de r\u00e9duction<\/span><\/span><\/td>\n50% jusqu’\u00e0 l’age de 65 ans, prend fin a l’age de 70 ans<\/span><\/span><\/td>\n<\/tr>\n
            Exon\u00e9ration des primes<\/span><\/span><\/td>\n120 jours, 2 ans d’occupation \u00e0 sa propre profession<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

            Caract\u00e9ristiques:<\/b><\/p>\n\n\n\n\n\n\n\n
            Assurance-vie<\/b><\/span><\/span><\/td>\n<\/tr>\n
            Accel\u00e9r\u00e9\u00e9\/Prestation du vivant<\/span><\/span><\/td>\n<\/tr>\n
            Droit de transformation<\/span><\/span><\/td>\n<\/tr>\n
            Exon\u00e9ration des primes<\/span><\/span><\/td>\n<\/tr>\n
            Taux garanti de 2 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

             <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
            DMA<\/b><\/span><\/span><\/td>\n<\/tr>\n
            Garantie pour paralysie<\/span><\/span><\/td>\n200%, ne pas d\u00e9passer le montant maximal de 1 000 000$<\/span><\/span><\/td>\n<\/tr>\n
            Exon\u00e9ration des primes<\/span><\/span><\/td>\navant l’age de 65 ans et doit \u00eatre totalement invalide pour 120 jours<\/span><\/span><\/td>\n<\/tr>\n
            Maintient de l\u2019assurance<\/span><\/span><\/td>\njusqu\u2019\u00e0 la fin du mois en raison d\u2019une mise \u00e0 pied ou d\u2019un cong\u00e9 (exclut les gr\u00e8ves)<\/span><\/span><\/td>\n<\/tr>\n
            Droit de transformation<\/span><\/span><\/td>\njusqu\u2019\u00e0 concurrence de 100 000$<\/span><\/span><\/td>\n<\/tr>\n
            Exposition aux \u00e9l\u00e9ments et disparition<\/span><\/span><\/td>\nlimite d\u2019un an<\/span><\/span><\/td>\n<\/tr>\n
            Indemnit\u00e9 d’allocation d’\u00e9tudes<\/span><\/span><\/td>\nle moindre de 3 % du montant assur\u00e9 ou 5 000$\/ann\u00e9e; maximal<\/span><\/span><\/td>\n<\/tr>\n
            Indemnit\u00e9 du transport d’un membre de la famille<\/span><\/span><\/td>\njusqu\u2019\u00e0 concurrence de 2 500$ \u00a0<\/span><\/span><\/td>\n<\/tr>\n
            Indemnit\u00e9 de r\u00e9adaptation<\/span><\/span><\/td>\njusqu\u2019\u00e0 concurrence de 10 000$<\/span><\/span><\/td>\n<\/tr>\n
            Indemnit\u00e9 de rapatriement:<\/span><\/span><\/td>\njusqu\u2019\u00e0 concurrence de 10 000$ (minimum de 50 km)<\/span><\/span><\/td>\n<\/tr>\n
            Indemnit\u00e9 pour la formation professionnelle du conjoint<\/span><\/span><\/td>\njusqu\u2019\u00e0 concurrence de 10 000$<\/span><\/span><\/td>\n<\/tr>\n
            Indemnit\u00e9 de garde d\u2019enfants<\/span><\/span><\/td>\nle moindre de 5 % du montant assur\u00e9 ou 5 000$\/ann\u00e9e; maximum<\/span><\/span><\/td>\n<\/tr>\n
            Indemnit\u00e9 pour la transformation d’un logement ou d’un v\u00e9hicule<\/span><\/span><\/td>\njusqu\u2019\u00e0 concurrence de 10 000$<\/span><\/span><\/td>\n<\/tr>\n
            Indemnit\u00e9 en cas d\u2019hospitalisation :<\/span><\/span><\/td>\nprestation quotidienne \u00e9gale \u00e0 1\/30e<\/span><\/sup>\u00a0du montant assur\u00e9; montant mensuel maximal de 1 000 $; maximum de 12 mois<\/span><\/span><\/td>\n<\/tr>\n
            Exclusions:<\/span><\/span><\/td>\nstandard, y compris guerre, pilote\/\u00e9quipage, a\u00e9ronefs appartenant au proposant ou lou\u00e9s ou exploit\u00e9s par celui-ci<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

             <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
            Tableau des pertes<\/b><\/span><\/span><\/td>\n<\/tr>\n
            Pour la perte<\/span><\/span><\/td>\nLa prestation sera \u00e9gale<\/span><\/span><\/td>\n<\/tr>\n
            De la vie<\/span><\/span><\/td>\nau montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            Des deux mains ou des deux pieds<\/span><\/span><\/td>\nau montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            De la vue des deux yeux<\/span><\/span><\/td>\nau montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            D’une main et d’un pied<\/span><\/span><\/td>\nau montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            D’une main ou d’un pied et de la vue d’un oeil<\/span><\/span><\/td>\nau montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            De la parole et de l’ou\u00efe des deux oreilles<\/span><\/span><\/td>\nau montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            D’une jambe ou d’un bras<\/span><\/span><\/td>\n\u00e0 3\/4 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            D’une main ou d’un pied<\/span><\/span><\/td>\n\u00e0 2\/3 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            De la parole ou de l’ou\u00efe des oreilles<\/span><\/span><\/td>\n\u00e0 2\/3 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            De la vue d’un oeil<\/span><\/span><\/td>\n\u00e0 2\/3 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            D’un pouce ou de l’index ou de quatre doigts de la m\u00eame main<\/span><\/span><\/td>\n\u00e0 1\/3 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            De l’ou\u00efe d’une oreille<\/span><\/span><\/td>\n\u00e0 1\/6 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            De tous les orteils d’un pied<\/span><\/span><\/td>\n\u00e0 1\/8 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            Quadripl\u00e9gie (paralysie totale et d\u00e9finitive des quatre membres)<\/span><\/span><\/td>\n\u00e0 2 fois le montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            Parapl\u00e9gie (paralysie totale et d\u00e9finitive des deux membres inf\u00e9rieurs)<\/span><\/span><\/td>\n\u00e0 2 fois le montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            H\u00e9mipl\u00e9gie (paralysie totale et d\u00e9finitive d’un
            \nbras et d’une jambe du m\u00eame c\u00f4t\u00e9 du corps)<\/span><\/span><\/td>\n            		\u00e0 2 fois le montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            Pour la perte de l’usage<\/span><\/span><\/p>\n
            \n\n\n\n\n\n\n
            Des deux mains ou des deux bras\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/span><\/td>\nau montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            D\u2019un bras ou d\u2019une jambe<\/span><\/span><\/td>\n\u00e0 3\/4 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n
            D\u2019une main ou d\u2019un pied<\/span><\/span><\/td>\n\u00e0 2\/3 du montant assur\u00e9<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n<\/tr>\n
            *<\/span>\u00a0Une seule prestation (la plus \u00e9lev\u00e9e) sera vers\u00e9e pour des blessures r\u00e9sultant d\u2019un seul et m\u00eame accident. De plus, seulement le montant maximal du montant assur\u00e9 sera vers\u00e9 pour des blessures r\u00e9sultant d\u2019un seul et m\u00eame accident.<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

            \u00a0<\/span><\/a><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<\/ol>\n

            R\u00e9sum\u00e9 des Prestations de l’Assurance Collective Vie \u00e0 Charge\u00a0<\/b><\/p>\n

              \n
                \n
              1. La pr\u00e9sente offre d\u2019assurance-vie collective comprend tous les employ\u00e9s en service actif \u00e0 temps plein travaillant au moins 20 heures par semaine.<\/li>\n<\/ol>\n<\/ol>\n

                 <\/p>\n

                  \n
                    \n
                  1. \n
                      \n
                    1. \n\n\n\n\n\n
                      Montant assur\u00e9s<\/b><\/span><\/span><\/td>\n<\/tr>\n
                      Conjoint<\/span><\/span><\/td>\n10,000 $<\/span><\/span><\/td>\n<\/tr>\n
                      Enfant de 14 jours \u00e0 21 ans, 25 ans si \u00e9tudiant<\/span><\/span><\/td>\n5,000 $<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                      \u00a0<\/span><\/a><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<\/ol>\n

                      Assurance de Protection des Revenus pour Invalidite\u00e9 \u00e0 Long Terme
                      \n<\/b><\/p>\n

                        \n
                          \n
                        1. La pr\u00e9sente offre d\u2019assurance Protection du revenu en cas d\u2019invalidit\u00e9 de longue dur\u00e9e comprend tous les employ\u00e9s en service \u00e0 temps plein actif travaillant 20 heures par semaine au Canada aupr\u00e8s de l\u2019employeur.<\/span><\/li>\n<\/ol>\n<\/ol>\n

                           <\/p>\n

                            \n
                              \n
                            1. \n
                                \n
                              1. \n\n\n\n\n\n\n
                                Description du r\u00e9gime<\/span><\/b><\/span><\/td>\n<\/tr>\n
                                Prestation mensuelle:<\/span><\/span><\/td>\nLe moindre des articles 1, 2 ou 3 suivants :<\/span><\/span><\/span><\/p>\n
                                  \n
                                    \n
                                  1. 66,6667% de la premi\u00e8re tranche de 2 250 $ de votre r\u00e9mun\u00e9ration mensuelle avant imp\u00f4t, plus 50 % de la balance de votre r\u00e9mun\u00e9ration mensuelle avant imp\u00f4t, moins 100 % des revenus re\u00e7us des sources d\u00e9ductibles directes et indirectes;<\/span><\/span><\/li>\n<\/ol>\n<\/ol>\n
                                      \n
                                    • si la prestation mensuelle est imposable, 85 % du revenu mensuel avant imp\u00f4t, moins 100 % des sources d\u00e9ductibles directes et indirectes de revenu; ou si la prestation mensuelle est non imposable, 85 % du revenu mensuel apr\u00e8s imp\u00f4t, moins 100 % des sources d\u00e9ductibles directes et indirectes de revenu;<\/span><\/li>\n<\/ul>\n
                                        \n
                                      1. 7 000 $, la prestation mensuelle maximale.<\/span><\/span><\/li>\n<\/ol>\n<\/td>\n<\/tr>\n
                                Maximum sans preuve :<\/span><\/span><\/td>\n7 000 $<\/span><\/span><\/td>\n<\/tr>\n
                                D\u00e9finition d\u2019invalidit\u00e9:<\/span><\/span><\/td>\n\n\n\n\n\n\n\n
                                <\/td>\n2 ans de propre profession<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nInvalidit\u00e9 partielle<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nGarantie d\u2019incitation au travail pendant les 12 premiers mois de prestations d\u2019invalidit\u00e9<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
                                D\u00e9lai de carence:<\/span><\/span><\/td>\n\n\n\n\n\n\n\n\n
                                <\/td>\n120 jours<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\n30 jours cumulatifs<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
                                P\u00e9riode d\u2019indemnisation:<\/span><\/span><\/td>\nJusqu\u2019\u00e0 65 ans, mais pas moins d\u2019un an<\/span><\/span><\/td>\n<\/tr>\n
                                Int\u00e9gration RPC\/RRQ:<\/span><\/span><\/td>\nPrestation primaire seulement rajustement direct<\/span><\/span><\/td>\n<\/tr>\n
                                Caract\u00e9ristiques du r\u00e9gime optionnel faisant partie de l’offre:<\/span><\/span><\/td>\nAjustement de vie ch\u00e8re: 3 % d\u00e9butant apr\u00e8s 1 an.<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                 <\/p>\n\n\n\n\n
                                Caract\u00e9ristiques du r\u00e9gime standard faisant partie de l\u2019offre :<\/span><\/b><\/span><\/td>\n<\/tr>\n
                                \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                <\/td>\nAssurance protection du revenu Passages de VieMC<\/span><\/sup>\u00a0\u2013 Protection et soutien \u00e0 chaque \u00e9tape de la vie<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nService Premi\u00e8re alerte offert aux clients n\u2019ayant pas d\u2019ICD aupr\u00e8s d\u2019un autre assureur<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nProgramme exclusif complet d\u2019aide aux employ\u00e9s et de services professionnels et personnels LifeBalanceMD<\/span><\/sup><\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nProgramme de r\u00e9adaptation et d\u2019aide au retour au travail<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nGarantie de soins aux personnes \u00e0 charge<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nGarantie de modification du lieu de travail<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nGarantie de rechute d\u2019invalidit\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nRevenu pr\u00e9invalidit\u00e9 index\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\n\u201cGel\u201d des augmentations des co\u00fbts de la vie provenant des sources d\u00e9ductibles de revenu<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nExon\u00e9ration des primes pour les employ\u00e9s touchant des prestations ILD\u00a0<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nDisposition de 12 mois de r\u00e9embauche<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nExclusions et limitations standard<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nExclusion d\u2019\u00e9tat pr\u00e9existant 3\/12<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nGarantie en cas d\u2019invalidit\u00e9 du conjoint:
                                \nPrestation mensuelle payable : 1,000 $
                                \nD\u00e9lai de carence : 60 jours
                                \nP\u00e9riode de paiement maximale : 2 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                 <\/p>\n\n\n\n\n
                                Exclusions<\/span><\/b><\/span><\/td>\n<\/tr>\n
                                \n\n\n\n\n\n\n\n\n\n
                                <\/td>\n\u00c9tat pr\u00e9existant 3\/12*<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nBlessures auto-inflig\u00e9es intentionnellement<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nParticipation active \u00e0 une \u00e9meute<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nPerte de l\u2019autorisation d\u2019exercer, de la licence ou d\u2019un certificat professionnel<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nTentative de perp\u00e9tration ou perp\u00e9tration d\u2019un crime, que l\u2019employ\u00e9 ait \u00e9t\u00e9 trouv\u00e9 coupable ou non<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nInvalidit\u00e9 r\u00e9sultant directement ou indirectement de la guerre, d\u00e9clar\u00e9e ou non, ou de tout acte de guerre<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nIncarc\u00e9ration<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                *Un \u201c\u00e9tat pr\u00e9existant\u201d signifie que l\u2019employ\u00e9 assur\u00e9:<\/span><\/p>\n\n\n\n\n
                                <\/td>\na re\u00e7u un traitement m\u00e9dical, \u00e9t\u00e9 re\u00e7u en consultation, ou a obtenu des soins ou services m\u00e9dicaux, y compris des actes \u00e0 but diagnostique, ou pris des m\u00e9dicaments sur ordonnance au cours des 3 mois pr\u00e9c\u00e9dant imm\u00e9diatement la date d\u2019effet de son assurance; ou encore, au cours de cette m\u00eame p\u00e9riode, l\u2019employ\u00e9 a pr\u00e9sent\u00e9 des sympt\u00f4mes qui auraient amen\u00e9 une personne normalement prudente \u00e0 consulter un professionnel de la sant\u00e9; et<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nl\u2019invalidit\u00e9 commence au cours des 12 mois suivant imm\u00e9diatement la date d\u2019effet de l\u2019assurance de l\u2019employ\u00e9.<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                 <\/p>\n\n\n\n\n
                                R\u00e9siliation de l\u2019assurance<\/span><\/b><\/span><\/td>\n<\/tr>\n
                                L\u2019assurance d\u2019un employ\u00e9 en vertu du r\u00e9gime prend fin \u00e0 la premi\u00e8re des dates suivantes:<\/span><\/span><\/p>\n\n\n\n\n\n\n\n\n
                                <\/td>\nle 65e anniversaire de l\u2019employ\u00e9;<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nla date \u00e0 laquelle la police ou un r\u00e9gime est r\u00e9sili\u00e9;<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nla date \u00e0 laquelle l\u2019employ\u00e9 ne fait plus partie d\u2019un groupe admissible;<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nla date \u00e0 laquelle le groupe admissible de l\u2019employ\u00e9 n\u2019est plus assur\u00e9;<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nle dernier jour de la p\u00e9riode pour laquelle l\u2019employ\u00e9 a fait une contribution requise quelconque; ou<\/span><\/span><\/td>\n<\/tr>\n
                                <\/td>\nle dernier jour de service actif de l\u2019employ\u00e9, \u00e0 moins qu\u2019il ne soit absent en raison d\u2019une mise \u00e0 pied ou d\u2019un cong\u00e9 assur\u00e9.<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                \u00a0<\/span><\/a><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<\/ol>\n

                                Lignes principales et Descriptions de la Couverture LTD
                                \n<\/b><\/span><\/span><\/p>\n

                                  \n
                                1. \n\n\n\n\n
                                  Passages de VieMC<\/sup><\/b><\/span><\/span><\/td>\n<\/tr>\n
                                  De nos jours, les r\u00e9gimes d\u2019avantages sociaux qui tiennent compte des r\u00e9alit\u00e9s de la vie quotidienne repr\u00e9sentent une r\u00e9elle valeur ajout\u00e9e pour les employ\u00e9s, invalides ou non. C\u2019est pourquoi Passages de Vie a \u00e9t\u00e9 con\u00e7u pour r\u00e9pondre plus efficacement que jamais \u00e0 la gamme compl\u00e8te des besoins des employeurs. Le programme de protection collective du revenu Passages de Vie d\u2019RBC Assurances offre les garanties et services de soutien centr\u00e9s sur la famille suivants :<\/span><\/span><\/p>\n\n\n\n\n
                                  <\/td>\nLifeBalanceMD<\/sup>:\u00a0<\/b>donne l\u2019acc\u00e8s \u00e0 un programme complet d\u2019aide aux employ\u00e9s et de services professionnels et personnels pour l\u2019employ\u00e9 assur\u00e9 et sa famille, afin d\u2019aider \u00e0 g\u00e9rer le stress au travail et \u00e0 r\u00e9gler de fa\u00e7on plus efficace les probl\u00e8mes personnels, qu\u2019ils soient graves ou quotidiens. De plus, LifeBalance comprend \u00e9galement le service en cours de demande de r\u00e8glement OnClaim Support.<\/span><\/span><\/td>\n<\/tr>\n
                                  <\/td>\nGarantie de soins aux personnes \u00e0 charge:\u00a0<\/b>Prestation suppl\u00e9mentaire de 350 $ par mois, jusqu\u2019\u00e0 concurrence d\u2019un montant global familial maximal de 1 000 $ pour les employ\u00e9s invalides touchant des prestations ILD pendant leur participation au programme de r\u00e9adaptation\/d\u2019aide au retour au travail.<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                   <\/p>\n\n\n\n\n
                                  Best Doctors\u00ae<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                  Offre aux employ\u00e9s une combinaison unique d\u2019information et d\u2019acc\u00e8s aux meilleurs soins m\u00e9dicaux lorsque vous en avez le plus besoin. Advenant qu\u2019un m\u00e9decin diagnostique une maladie ou une blessure grave d\u2019un employ\u00e9, ce dernier peut obtenir une “contre-expertise” par l\u2019entremise d\u2019une \u00e9valuation m\u00e9dicale compl\u00e8te effectu\u00e9e par l\u2019\u00e9quipe de sp\u00e9cialistes Best Doctors\u00ae. Consulter la brochure de Best Doctors\u00ae pour obtenir une liste compl\u00e8te des maladies et blessures assur\u00e9es.<\/span><\/span><\/span>Ayant recours \u00e0 sa base de donn\u00e9es globale de plus de 50 000 m\u00e9decins renomm\u00e9s, Best Doctors\u00ae travaille directement avec le m\u00e9decin traitant de l\u2019employ\u00e9 pour avoir acc\u00e8s \u00e0 et consulter les experts m\u00e9dicaux afin de red\u00e9finir ou confirmer le diagnostic m\u00e9dical et le protocole de traitement de l\u2019employ\u00e9, ainsi que localiser les sp\u00e9cialistes les plus qualifi\u00e9s satisfaisant \u00e0 leurs besoins m\u00e9dicaux sp\u00e9cifiques.<\/span><\/p>\n

                                  Best Doctors\u00ae offre une assistance continue ayant trait \u00e0 l\u2019admission \u00e0 l\u2019h\u00f4pital, aux rendez-vous m\u00e9dicaux, \u00e0 l\u2019\u00e9valuation des co\u00fbts, \u00e0 l\u2019\u00e9tude de facturation, ainsi qu\u2019\u00e0 l\u2019organisation des voyages et d\u2019h\u00e9bergement si l\u2019employ\u00e9 doit voyager \u00e0 l\u2019ext\u00e9rieur du Canada pour recevoir le traitement appropri\u00e9.<\/span><\/p>\n

                                  Enfin, Best Doctors continuera de surveiller le processus de traitement afin de s\u2019assurer que les besoins m\u00e9dicaux de l\u2019employ\u00e9 sont combl\u00e9s.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                   <\/p>\n\n\n\n\n
                                  Programme de r\u00e9adaptation et d\u2019aide au retour au travail<\/span><\/b><\/span><\/td>\n<\/tr>\n
                                  Prestation de r\u00e9adaptation et d\u2019aide au retour au travail pour les employ\u00e9s invalides touchant des prestations ILD et pouvant y participer du point de vue m\u00e9dical. RBC Assurances d\u00e9termine l\u2019admissibilit\u00e9 \u00e0 ce programme.<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                   <\/p>\n\n\n\n\n
                                  Ajustement de vie ch\u00e8re<\/span><\/b><\/span><\/td>\n<\/tr>\n
                                  Ajustement mensuel de vie ch\u00e8re apr\u00e8s que la personne assur\u00e9e ait \u00e9t\u00e9 invalide et ait touch\u00e9 des prestations mensuelles pendant une p\u00e9riode d\u00e9finie. L\u2019ajustement de vie ch\u00e8re est ajout\u00e9 chaque mois \u00e0 la prestation mensuelle.<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                  \u00a0<\/span><\/a><\/li>\n<\/ol>\n

                                  Programme d’Assistance des Employ\u00e9s
                                  \n<\/b><\/span><\/p>\n

                                    \n
                                  1. Solutions de garanties pour employ\u00e9s<\/span><\/a><\/span><\/li>\n
                                  2. Programme en ligne d’aide professionnelle et personnelle aux employ\u00e9s<\/span><\/a><\/span><\/li>\n
                                  3. Le Programme d’aide professionelle et personnelle aux employ\u00e9s vous offre des ressources utiles<\/span><\/a><\/span><\/li>\n<\/ol>\n

                                    \u00a0<\/span><\/span><\/p>\n

                                    Best Doctors\u00ae
                                    \n<\/b><\/span><\/p>\n

                                      \n
                                    1. Best Doctors\u00ae<\/span><\/a><\/span><\/li>\n
                                    2. T\u00e9moignages<\/span>\u00a0– Best Doctors\u00ae<\/span><\/a><\/li>\n
                                    3. \u00c9tapes<\/span>\u00a0\u00e0 suivre pour activer le service Best Doctors\u00ae<\/span><\/a><\/li>\n
                                    4. Foire<\/span>\u00a0aux questions – Best Doctors\u00ae<\/span><\/a><\/li>\n<\/ol>\n

                                       <\/p>\n

                                      Prestations Optionnelles<\/b><\/span><\/h2>\n

                                      Sanitaire & Dentaire – Plan A
                                      \n<\/b><\/span><\/span><\/p>\n

                                        \n
                                      1. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                        Soins m\u00e9dicaux suppl\u00e9mentaire<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                        Franchise<\/span><\/span><\/td>\n50 $ Indiv., 100 $ Fam. par ann\u00e9e civile. N\/A aux m\u00e9dicaments, h\u00f4pital, & vision<\/span><\/span><\/td>\n<\/tr>\n
                                        Taux de remboursement<\/span><\/span><\/td>\n80 %<\/span><\/span><\/td>\n<\/tr>\n
                                        Frais d’hospitalisation<\/span><\/span><\/td>\nChambre \u00e0 2 lits<\/span><\/span><\/td>\n<\/tr>\n
                                        Plafond<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                        Convalescence \u00e0 l’hopital<\/span><\/span><\/td>\n20 $ jour, 120 max jours<\/span><\/span><\/td>\n<\/tr>\n
                                        Services professionnels Chiroprakteur, Ost\u00e9opathe, Naturopath, P\u00e9dicure, Massage Therapist, Physioth\u00e9rapeute, Psychologue, Audiologist Et Parole Therapist<\/span><\/span><\/td>\n300 $ par practicien<\/span><\/span><\/td>\n<\/tr>\n
                                        Soins de la vue<\/span><\/span><\/td>\nAucune protection<\/span><\/span><\/td>\n<\/tr>\n
                                        Proth\u00e8ses auditives<\/span><\/span><\/td>\n400 $\u00a0 tous les 5 ans<\/span><\/span><\/td>\n<\/tr>\n
                                        Chaussures orthop\u00e9diques<\/span><\/span><\/td>\n200 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                        Services infirmiers particuliers<\/span><\/span><\/td>\n25,000 $ par 3 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                        Assurance-voyage<\/span><\/span><\/td>\nFrais admissibles<\/span><\/span><\/td>\n<\/tr>\n
                                        ManuAssist<\/span><\/span><\/td>\n1,000,000 $<\/span><\/span><\/td>\n<\/tr>\n
                                        Termine \u00e0 l’\u00e2ge de<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                         <\/p>\n\n\n\n\n\n\n
                                        M\u00e9dicaments<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                        Taux de remboursement<\/span><\/span><\/td>\n80 % G\u00e9n\u00e9rique (ou nomde marque si \u00e9quivalent non g\u00e9n\u00e9rique)<\/span><\/span><\/td>\n<\/tr>\n
                                        Carte pour m\u00e9dicaments<\/span><\/span><\/td>\nPaiement direct par carte<\/span><\/span><\/td>\n<\/tr>\n
                                        Plafond<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                         <\/p>\n\n\n\n\n\n\n\n\n\n
                                        Dentaire<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                        Franchise annuelle<\/span><\/span><\/td>\n50 $ Indiv., 100 $ Fam.<\/span><\/span><\/td>\n<\/tr>\n
                                        Soins de base<\/span><\/span><\/td>\n80 %<\/span><\/span><\/td>\n<\/tr>\n
                                        Plafond par individu<\/span><\/span><\/td>\n1,000 $ par an<\/span><\/span><\/td>\n<\/tr>\n
                                        Soins de restauration<\/span><\/span><\/td>\nAucune protection<\/span><\/span><\/td>\n<\/tr>\n
                                        Examens de rappel<\/span><\/span><\/td>\nTous le 6 mois<\/span><\/span><\/td>\n<\/tr>\n
                                        Termine \u00e0 l’\u00e2ge de<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                        \u00a0<\/span><\/a><\/li>\n<\/ol>\n

                                        Sanitaire & Dentaire – Plan B
                                        \n<\/b><\/span><\/span><\/p>\n

                                          \n
                                        1. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                          Soins m\u00e9dicaux suppl\u00e9mentaire<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                          Franchise<\/span><\/span><\/td>\n25 $ Indiv., 50 $ Fam. par ann\u00e9e civile. N\/A aux m\u00e9dicaments, h\u00f4pital, & vision<\/span><\/span><\/td>\n<\/tr>\n
                                          Taux de remboursement<\/span><\/span><\/td>\n80%<\/span><\/span><\/td>\n<\/tr>\n
                                          Frais d’hospitalisation<\/span><\/span><\/td>\nChambre \u00e0 2 lits<\/span><\/span><\/td>\n<\/tr>\n
                                          Plafond<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                          Convalescence \u00e0 l’hopital<\/span><\/span><\/td>\n20 $ jour, 120 max jours<\/span><\/span><\/td>\n<\/tr>\n
                                          Services professionnels Chiroprakteur, Ost\u00e9opathe, Naturopath, P\u00e9dicure, Massage Therapist, Physioth\u00e9rapeute, Psychologue, Audiologist Et Parole Therapist<\/span><\/span><\/td>\n500 $ par practicien<\/span><\/span><\/td>\n<\/tr>\n
                                          Soins de la vue<\/span><\/span><\/td>\n250 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                          Proth\u00e8ses auditives<\/span><\/span><\/td>\n400 $ tous le 5 ans<\/span><\/span><\/td>\n<\/tr>\n
                                          Chaussures orthop\u00e9diques<\/span><\/span><\/td>\n200 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                          Services infirmiers particuliers<\/span><\/span><\/td>\n25,000 $ par 3 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                          Assurance-voyage<\/span><\/span><\/td>\nFrais admissibles<\/span><\/span><\/td>\n<\/tr>\n
                                          ManuAssist<\/span><\/span><\/td>\n1,000,000 $<\/span><\/span><\/td>\n<\/tr>\n
                                          Termine \u00e0 l’\u00e2ge de<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                           <\/p>\n\n\n\n\n\n\n
                                          M\u00e9dicaments<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                          Taux de remboursement<\/span><\/span><\/td>\n80 % G\u00e9n\u00e9rique (ou nomde marque si \u00e9quivalent non g\u00e9n\u00e9rique)<\/span><\/span><\/td>\n<\/tr>\n
                                          Carte pour m\u00e9dicaments<\/span><\/span><\/td>\nPaiement direct par carte<\/span><\/span><\/td>\n<\/tr>\n
                                          Plafond<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                           <\/p>\n\n\n\n\n\n\n\n\n\n\n
                                          Dentaire<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                          Franchise annuelle<\/span><\/span><\/td>\n25 $ Indiv., 50 $ Fam.<\/span><\/span><\/td>\n<\/tr>\n
                                          Soins de base<\/span><\/span><\/td>\n80 %<\/span><\/span><\/td>\n<\/tr>\n
                                          Plafond par individu<\/span><\/span><\/td>\nCombin\u00e9 avec soins restauration<\/span><\/span><\/td>\n<\/tr>\n
                                          Soins de restauration<\/span><\/span><\/td>\n50 %<\/span><\/span><\/td>\n<\/tr>\n
                                          Plafond par individu<\/span><\/span><\/td>\n$2,000 combin\u00e9 avec soins de base<\/span><\/span><\/td>\n<\/tr>\n
                                          Examens de rappel<\/span><\/span><\/td>\nTous le 6 mois<\/span><\/span><\/td>\n<\/tr>\n
                                          Termine \u00e0 l’\u00e2ge de<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                          \u00a0<\/span><\/a><\/li>\n<\/ol>\n

                                          Sanitaire & Dentaire – Plan C
                                          \n<\/b><\/span><\/span><\/p>\n

                                            \n
                                          1. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                            Soins m\u00e9dicaux suppl\u00e9mentaire<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                            Franchise<\/span><\/span><\/td>\nAucune protection<\/span><\/span><\/td>\n<\/tr>\n
                                            Taux de remboursement<\/span><\/span><\/td>\n100 %<\/span><\/span><\/td>\n<\/tr>\n
                                            Frais d’hospitalisation<\/span><\/span><\/td>\nChambre \u00e0 2 lits<\/span><\/span><\/td>\n<\/tr>\n
                                            Plafond<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                            Convalescence \u00e0 l’hopital<\/span><\/span><\/td>\n20 $ jour, 120 max jours<\/span><\/span><\/td>\n<\/tr>\n
                                            Services professionnels Chiroprakteur, Ost\u00e9opathe, Naturopath, P\u00e9dicure, Massage Therapist, Physioth\u00e9rapeute, Psychologue, Audiologist Et Parole Therapist<\/span><\/span><\/td>\n750 $ par practicien<\/span><\/span><\/td>\n<\/tr>\n
                                            Soins de la vue<\/span><\/span><\/td>\n350 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                            Proth\u00e8ses auditives<\/span><\/span><\/td>\n400 $ tous le 5 ans<\/span><\/span><\/td>\n<\/tr>\n
                                            Chaussures orthop\u00e9diques<\/span><\/span><\/td>\n300 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                            Services infirmiers particuliers<\/span><\/span><\/td>\n25,000 $ par 3 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                            Assurance-voyage<\/span><\/span><\/td>\nFrais admissibles<\/span><\/span><\/td>\n<\/tr>\n
                                            ManuAssist<\/span><\/span><\/td>\n1,000,000 $<\/span><\/span><\/td>\n<\/tr>\n
                                            Termine \u00e0 l’\u00e2ge de<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                             <\/p>\n\n\n\n\n\n\n
                                            M\u00e9dicaments<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                            Taux de remboursement<\/span><\/span><\/td>\n100 % G\u00e9n\u00e9rique (ou nomde marque si \u00e9quivalent non g\u00e9n\u00e9rique)<\/span><\/span><\/td>\n<\/tr>\n
                                            Carte pour m\u00e9dicaments<\/span><\/span><\/td>\nPaiement direct par carte<\/span><\/span><\/td>\n<\/tr>\n
                                            Plafond<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                             <\/p>\n\n\n\n\n\n\n\n\n\n\n
                                            Dentaire<\/b><\/span><\/span><\/td>\nDescription<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                            Franchise annuelle<\/span><\/span><\/td>\nAucune protection<\/span><\/span><\/td>\n<\/tr>\n
                                            Soins de base<\/span><\/span><\/td>\n100 %<\/span><\/span><\/td>\n<\/tr>\n
                                            Plafond par individu<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                            Soins de restauration<\/span><\/span><\/td>\n50 %<\/span><\/span><\/td>\n<\/tr>\n
                                            Plafond par individu<\/span><\/span><\/td>\n2,000 $ par an<\/span><\/span><\/td>\n<\/tr>\n
                                            Examens de rappel<\/span><\/span><\/td>\nTous le 6 mois<\/span><\/span><\/td>\n<\/tr>\n
                                            Termine \u00e0 l’\u00e2ge de<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                            \u00a0<\/span><\/a><\/li>\n<\/ol>\n

                                            Sanitaire & Dentaire – Comparison c\u00f4te \u00e0 c\u00f4te
                                            \n<\/b><\/span><\/span><\/p>\n

                                              \n
                                            1. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                              Soins m\u00e9dicaux suppl\u00e9mentaire<\/b><\/span><\/span><\/td>\nPlan A<\/b><\/span><\/span><\/td>\nPlan B<\/b><\/span><\/span><\/td>\nPlan C<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                              Franchise<\/span><\/span><\/td>\n50 $ Indiv., 100 $ Fam. par ann\u00e9e civile. N\/A aux m\u00e9dicaments, h\u00f4pital, & vision<\/span><\/span><\/td>\n25 $ Indiv., 50 $ Fam. par ann\u00e9e civile. N\/A aux m\u00e9dicaments, h\u00f4pital, & vision<\/span><\/span><\/td>\nAucune protection<\/span><\/span><\/td>\n<\/tr>\n
                                              Taux de remboursement<\/span><\/span><\/td>\n80 %<\/span><\/span><\/td>\n80 %<\/span><\/span><\/td>\n100 %<\/span><\/span><\/td>\n<\/tr>\n
                                              Frais d’hospitalisation<\/span><\/span><\/td>\nChambre \u00e0 2 lits<\/span><\/span><\/td>\nChambre \u00e0 2 lits<\/span><\/span><\/td>\nChambre \u00e0 2 lits<\/span><\/span><\/td>\n<\/tr>\n
                                              Plafond<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                              Convalescence \u00e0 l’hopital<\/span><\/span><\/td>\n20 $ jour, 120 max jours<\/span><\/span><\/td>\n20 $ jour, 120 max jours<\/span><\/span><\/td>\n20 $ jour, 120 max jours<\/span><\/span><\/td>\n<\/tr>\n
                                              Services professionnels Chiroprakteur, Ost\u00e9opathe, Naturopath, P\u00e9dicure, Massage Therapist, Physioth\u00e9rapeute, Psychologue, Audiologist Et Parole Therapist<\/span><\/span><\/td>\n300 $ par practicien<\/span><\/span><\/td>\n500 $ par practicien<\/span><\/span><\/td>\n750 $ par practicien<\/span><\/span><\/td>\n<\/tr>\n
                                              Soins de la vue<\/span><\/span><\/td>\nAucune protection<\/span><\/span><\/td>\n250 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n350 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                              Proth\u00e8ses auditives<\/span><\/span><\/td>\n400 $ tous les 5 ans<\/span><\/span><\/td>\n400 $ tous le 5 ans<\/span><\/span><\/td>\n400 $ tous le 5 ans<\/span><\/span><\/td>\n<\/tr>\n
                                              Chaussures orthop\u00e9diques<\/span><\/span><\/td>\n200 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n200 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n300 $ par 2 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                              Services infirmiers particuliers<\/span><\/span><\/td>\n25,000 $ par 3 ann\u00e9es civiles<\/span><\/span><\/td>\n25,000 $ par 3 ann\u00e9es civiles<\/span><\/span><\/td>\n25,000 $ par 3 ann\u00e9es civiles<\/span><\/span><\/td>\n<\/tr>\n
                                              Assurance-voyage<\/span><\/span><\/td>\nFrais admissibles<\/span><\/span><\/td>\nFrais admissibles<\/span><\/span><\/td>\nFrais admissibles<\/span><\/span><\/td>\n<\/tr>\n
                                              ManuAssist<\/span><\/span><\/td>\n1,000,000 $<\/span><\/span><\/td>\n1,000,000 $<\/span><\/span><\/td>\n1,000,000 $<\/span><\/span><\/td>\n<\/tr>\n
                                              Termine \u00e0 l’\u00e2ge de<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                               <\/p>\n\n\n\n\n\n\n\n
                                              M\u00e9dicaments<\/b><\/span><\/span><\/td>\nPlan A<\/b><\/span><\/span><\/td>\nPlan B<\/b><\/span><\/span><\/td>\nPlan C<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                              Taux de remboursement<\/span><\/span><\/td>\n80 % G\u00e9n\u00e9rique (ou nomde marque si \u00e9quivalent non g\u00e9n\u00e9rique)<\/span><\/span><\/td>\n80% G\u00e9n\u00e9rique (ou nomde marque si \u00e9quivalent non g\u00e9n\u00e9rique)<\/span><\/span><\/td>\n100% G\u00e9n\u00e9rique (ou nomde marque si \u00e9quivalent non g\u00e9n\u00e9rique)<\/span><\/span><\/td>\n<\/tr>\n
                                              Carte pour m\u00e9dicaments<\/span><\/span><\/td>\nPaiement direct par carte<\/span><\/span><\/td>\nPaiement direct par carte<\/span><\/span><\/td>\nPaiement direct par carte<\/span><\/span><\/td>\n<\/tr>\n
                                              Franchise<\/span><\/span><\/td>\n10 $ par ordonnance<\/span><\/span><\/td>\n10 $ par ordonnance<\/span><\/span><\/td>\n10 $ par ordonnance<\/span><\/span><\/td>\n<\/tr>\n
                                              Plafond<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                               <\/p>\n\n\n\n\n\n\n\n\n\n\n
                                              Dentaire<\/b><\/span><\/span><\/td>\nPlan A<\/b><\/span><\/span><\/td>\nPlan B<\/b><\/span><\/span><\/td>\nPlan C<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                              Franchise annuelle<\/span><\/span><\/td>\n50 $ Indiv., 100 $ Fam.<\/span><\/span><\/td>\n25 $ Indiv., 50 $ Fam.<\/span><\/span><\/td>\nAucune protection<\/span><\/span><\/td>\n<\/tr>\n
                                              Soins de base<\/span><\/span><\/td>\n80 %<\/span><\/span><\/td>\n80 %<\/span><\/span><\/td>\n100 %<\/span><\/span><\/td>\n<\/tr>\n
                                              Plafond par individu<\/span><\/span><\/td>\n1,000 $ par an<\/span><\/span><\/td>\nCombin\u00e9 avec soins restauration<\/span><\/span><\/td>\nIllimit\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                              Soins de restauration<\/span><\/span><\/td>\nAucune protection<\/span><\/span><\/td>\n50 %<\/span><\/span><\/td>\n50 %<\/span><\/span><\/td>\n<\/tr>\n
                                              Plafond par individu<\/span><\/span><\/td>\nN\/A<\/span><\/span><\/td>\n2,000 $ combin\u00e9 avec soins de base<\/span><\/span><\/td>\n2,000 $ par an<\/span><\/span><\/td>\n<\/tr>\n
                                              Examens de rappel<\/span><\/span><\/td>\nTous le 6 mois<\/span><\/span><\/td>\nTous le 6 mois<\/span><\/span><\/td>\nTous le 6 mois<\/span><\/span><\/td>\n<\/tr>\n
                                              Termine \u00e0 l’\u00e2ge de<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n70 ans<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                              \u00a0<\/span><\/a><\/li>\n<\/ol>\n

                                              Assistance d’Urgence en Voyage \u00e0 l’Etranger
                                              \n<\/b><\/span><\/p>\n

                                                \n
                                              1. Click here<\/span><\/a><\/span>\u00a0for information on emergency assistance when traveling outside of Canada.<\/span><\/li>\n<\/ol>\n

                                                 <\/p>\n

                                                Prestations Volontaires<\/b><\/span><\/h2>\n

                                                Prestations Volontaires Assurance Vie
                                                \n<\/b><\/span><\/span><\/p>\n

                                                  \n
                                                1. \n\n\n\n\n\n\n\n
                                                  Description du r\u00e9gime<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                                  Tout employ\u00e9 en service actif, travaillant au moins 20 heures par semaine, peut faire une demande d\u2019assurance-vie volontaire. Pour l\u2019achat de toute assurance-vie volontaire, vous devez soumettre une Preuve d\u2019assurabilit\u00e9.<\/p>\n

                                                  UNUM Provident v\u00e9rifiera les informations fournies dans votre Preuve d\u2019assurabilit\u00e9 avant d\u2019approuver ou de refuser votre demande d\u2019assurance-vie volontaire. Vous pouvez obtenir un formulaire d\u2019application pour l\u2019assurance-vie volontaire, ainsi que pour une preuve d\u2019assurabilit\u00e9 sur notre site Internet, dans la section des formulaires.<\/span><\/span><\/td>\n<\/tr>\n

                                                  Employ\u00e9<\/span><\/span><\/td>\nTranches de 10 000 $ jusqu\u2019\u00e0 concurrence de 500 000 $<\/span><\/span><\/td>\n<\/tr>\n
                                                  Conjoint<\/span><\/span><\/td>\nTranches de 5 000 $; 50 % du montant assur\u00e9 de l\u2019employ\u00e9<\/span><\/span><\/td>\n<\/tr>\n
                                                  Chaque enfant<\/span><\/span><\/td>\nTranches de 2 000 $ jusqu\u2019\u00e0 concurrence de 10 000 $
                                                  \n(Nota : Le montant maximal de l\u2019enfant est assujetti \u00e0 50 % du montant assur\u00e9 de l\u2019employ\u00e9 et est limit\u00e9 \u00e0 10 000 $.)<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                                  \u00a0<\/span><\/a><\/li>\n<\/ol>\n

                                                    \n
                                                  1. \n
                                                      \n
                                                    1. \n\n\n\n\n\n\n\n
                                                      <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
                                                      <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
                                                      <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
                                                      <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
                                                      <\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n

                                                      Taux unitaires Assurance Vie Volontaire
                                                      \n<\/b><\/span><\/span><\/p>\n

                                                        \n
                                                      1. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                        Groupe d\u2019\u00e2ge<\/b><\/span><\/span><\/td>\nNon-fumeur par tranche de 10 000<\/b><\/span><\/span><\/td>\nFumeur par tranche de 10 000<\/b><\/span><\/span><\/td>\nConjoint par tranche de 5 000<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                                        0 to 24<\/span><\/span><\/td>\n0,56<\/span><\/span><\/td>\n0,95<\/span><\/span><\/td>\n0,34<\/span><\/span><\/td>\n<\/tr>\n
                                                        25 to 29<\/span><\/span><\/td>\n0,50<\/span><\/span><\/td>\n0,88<\/span><\/span><\/td>\n0,34<\/span><\/span><\/td>\n<\/tr>\n
                                                        30 to 34<\/span><\/span><\/td>\n0,57<\/span><\/span><\/td>\n1,05<\/span><\/span><\/td>\n0,41<\/span><\/span><\/td>\n<\/tr>\n
                                                        35 to 39<\/span><\/span><\/td>\n0,90<\/span><\/span><\/td>\n1,57<\/span><\/span><\/td>\n0,64<\/span><\/span><\/td>\n<\/tr>\n
                                                        40 to 44<\/span><\/span><\/td>\n1,18<\/span><\/span><\/td>\n2,56<\/span><\/span><\/td>\n1,09<\/span><\/span><\/td>\n<\/tr>\n
                                                        45 to 49<\/span><\/span><\/td>\n1,75<\/span><\/span><\/td>\n3,85<\/span><\/span><\/td>\n1,80<\/span><\/span><\/td>\n<\/tr>\n
                                                        50 to 54<\/span><\/span><\/td>\n3,07<\/span><\/span><\/td>\n6,59<\/span><\/span><\/td>\n2,88<\/span><\/span><\/td>\n<\/tr>\n
                                                        55 to 59<\/span><\/span><\/td>\n5,01<\/span><\/span><\/td>\n10,10<\/span><\/span><\/td>\n4,00<\/span><\/span><\/td>\n<\/tr>\n
                                                        60 to 64<\/span><\/span><\/td>\n8,60<\/span><\/span><\/td>\n15,75<\/span><\/span><\/td>\n5,70<\/span><\/span><\/td>\n<\/tr>\n
                                                        65 to 69<\/span><\/span><\/td>\n18,50<\/span><\/span><\/td>\n29,48<\/span><\/span><\/td>\n8,51<\/span><\/span><\/td>\n<\/tr>\n
                                                        70 to 74<\/span><\/span><\/td>\n33,23<\/span><\/span><\/td>\n50,05<\/span><\/span><\/td>\n14,17<\/span><\/span><\/td>\n<\/tr>\n
                                                        75+<\/span><\/span><\/td>\n69,82<\/span><\/span><\/td>\n87,09<\/span><\/span><\/td>\n34,60<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                                        Enfant\u00a0 – 0,29<\/p>\n\n\n\n\n\n\n\n
                                                        Example<\/span><\/b><\/span><\/td>\n\u00c2ge<\/span><\/b><\/span><\/td>\n\u00a0<\/span><\/td>\nVolume pour assurance-vie<\/span><\/b><\/span><\/td>\n\u00a0<\/span><\/td>\nVolume par tranche<\/span><\/b><\/span><\/td>\n\u00a0<\/span><\/td>\nTaux par tranche<\/span><\/b><\/span><\/td>\n\u00a0<\/span><\/td>\n\u00a0Co\u00fbt<\/b><\/span><\/span><\/td>\n<\/tr>\n
                                                        Employ\u00e9<\/span><\/span><\/td>\n24<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n50 000 $<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n5<\/span><\/span><\/td>\nx<\/span><\/span><\/td>\n0,50<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n2,50<\/span><\/span><\/td>\n<\/tr>\n
                                                        Conjoint<\/span><\/span><\/td>\n24<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n25 000 $<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n5<\/span><\/span><\/td>\nx<\/span><\/span><\/td>\n0,34<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n1,70<\/span><\/span><\/td>\n<\/tr>\n
                                                        Enfant<\/span><\/span><\/td>\n10<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n4 000 $<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n2<\/span><\/span><\/td>\nx<\/span><\/span><\/td>\n0,29<\/span><\/span><\/td>\n=<\/span><\/span><\/td>\n0,58<\/span><\/span><\/td>\n<\/tr>\n
                                                        Co\u00fbt par p\u00e9riode de paye<\/span><\/b><\/span><\/td>\n\u00a0<\/span><\/td>\n4,78$<\/p>\n

                                                        <\/span><\/b><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

                                                        D\u00e9tails du Plan Note: Les points suivants sont indiqu\u00e9s dans un but purement informatif. Il s\u2019agit d\u2019un r\u00e9sum\u00e9 des dispositions de la Politique Collective. Dans le cas o\u00f9 il existerait une diff\u00e9rence entre le pr\u00e9sent document et la Politique, les termes de la Politique Collective pr\u00e9valent.\u00a0 Cliquez sur les ent\u00eates figurant ci-dessous pour une description plus d\u00e9taill\u00e9e de votre plan   Prestations de base R\u00e9sum\u00e9 des Prestations de l’Assurance Collective Vie, Mort Accidentelle et Mutilation La pr\u00e9sente offre d\u2019assurance-vie collective comprend tous les employ\u00e9s en service actif \u00e0 temps plein travaillant au moins 20 heures par semaine.   Montants assur\u00e9s Tous les employ\u00e9s – Garantie d’assurance-vie et DMA 1 fois le revenu annuel jusqu’\u00e0 concurrence de 250 000$ Montant d’assurance-vie maximal 250 000$ Montant global maximal 250 000$ Formule de r\u00e9duction 50% jusqu’\u00e0 l’age de 65 ans, prend fin a l’age de 70 ans Exon\u00e9ration des primes 120 jours, 2 ans d’occupation \u00e0 sa propre profession Caract\u00e9ristiques: Assurance-vie Accel\u00e9r\u00e9\u00e9\/Prestation du vivant Droit de transformation Exon\u00e9ration des primes Taux garanti de 2 ans   DMA Garantie pour paralysie 200%, ne pas d\u00e9passer le montant maximal de 1 000 000$ Exon\u00e9ration des primes avant l’age de 65 ans et doit \u00eatre totalement invalide pour 120 jours Maintient de l\u2019assurance jusqu\u2019\u00e0 la fin du mois en raison d\u2019une mise \u00e0 pied ou d\u2019un cong\u00e9 (exclut les gr\u00e8ves) Droit de transformation jusqu\u2019\u00e0 concurrence de 100 000$ Exposition aux \u00e9l\u00e9ments et disparition limite d\u2019un an Indemnit\u00e9 d’allocation d’\u00e9tudes le moindre de 3 % du montant assur\u00e9 ou 5 000$\/ann\u00e9e; maximal Indemnit\u00e9 du transport d’un membre de la famille jusqu\u2019\u00e0 concurrence de 2 500$ \u00a0 Indemnit\u00e9 de r\u00e9adaptation jusqu\u2019\u00e0 concurrence de 10 000$ Indemnit\u00e9 de rapatriement: jusqu\u2019\u00e0 concurrence de 10 000$ […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-103","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/corporatebenefits.ca\/royallepagefr\/wp-json\/wp\/v2\/pages\/103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/corporatebenefits.ca\/royallepagefr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/corporatebenefits.ca\/royallepagefr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/corporatebenefits.ca\/royallepagefr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/corporatebenefits.ca\/royallepagefr\/wp-json\/wp\/v2\/comments?post=103"}],"version-history":[{"count":1,"href":"https:\/\/corporatebenefits.ca\/royallepagefr\/wp-json\/wp\/v2\/pages\/103\/revisions"}],"predecessor-version":[{"id":148,"href":"https:\/\/corporatebenefits.ca\/royallepagefr\/wp-json\/wp\/v2\/pages\/103\/revisions\/148"}],"wp:attachment":[{"href":"https:\/\/corporatebenefits.ca\/royallepagefr\/wp-json\/wp\/v2\/media?parent=103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}