Build Your Own Custom Benefit Plan
Employee health benefits are one of the most important factors in attracting and retaining employees. We are proud to offer a full line of employee health benefit products to cover every type of Merit Ontario member business.
OCIBP can also help create a fully customized benefit plan for your business featuring wholesale pricing and the protection of large group pooling. Contact us to find the right group benefit package at the right price for your organization.
For more information or for a free quote, call 1-888-303-9878.
The Merit Ontario’s Ontario Construction Industry Benefit Plan includes the following benefits:
| Benefit | Standard | Enhanced | Platinum |
|---|---|---|---|
| Life Insurance | $50,000, Terminates at Retirement | $70,000, Terminates at Retirement | $120,000, Terminates at Retirement |
| Accidental Death & Dismemberment | $50,000 Includes $5,000 Critical Disease Terminates at Retirement |
$70,000 Includes $7,000 Critical Disease Terminates at Retirement |
$120,000 Includes $12,000 Critical Disease Terminates at Retirement |
| Dependent Life Insurance | Spouse - $10,000 Each Dependent Child - $5,000 Terminates at Retirement |
Spouse - $10,000 Each Dependent Child - $5,000 Terminates at Retirement |
Spouse - $10,000 Each Dependent Child - $5,000 Terminates at Retirement |
| Short-term Disability (Optional) | Non-taxable or taxable: EI Maximum 0 injury -7 days sickness Up to 17 weeks 85% All source Maximum |
Non-taxable or taxable: $800 per week 0 injury -7 days sickness Up to 17 weeks 85% All source Maximum |
Non-taxable or taxable: $900 per week 0 injury -7 days sickness Up to 17 weeks 85% All source Maximum |
| Long-term Disability | Non-taxable or taxable: $2,000 per month Elimination Period: 119 days 24 month “Own Occupation” Pre-existing clause: 3/12 Terminates at 65 |
Non-taxable or taxable: $2,000 per month Elimination Period: 119 days 24 month “Own Occupation” Pre-existing clause: 3/12 Terminates at 65 |
Non-Taxable or taxable: $2,500 per month Elimination Period: 119 days 24 month “Own Occupation” Pre-existing clause: 3/12 Terminates at 65 |
| Extended Health Care | |||
| Prescription Drugs | • SMARTspendTM drug formulary • 80% coinsurance • Mandatory Generic pricing • Diabetic supplies (testing strips, syringes) • $8.00 dispensing fee |
• 80% for first $5,000 incurred per person per year, then 90% for balance of year • Mandatory Generic pricing • Diabetic supplies (testing strips, syringes) • $9.00 dispensing fee Includes: vaccines, fertility drugs - $2,500 lifetime, and smoking cessation - $500 lifetime. |
• 100% coinsurance • Mandatory Generic pricing • Diabetic supplies (testing strips, syringes) • $10.00 dispensing fee Includes: vaccines, fertility drugs - $2,500 lifetime, and smoking cessation - $500 lifetime. |
| All other covered health expenses, e.g. • Emergency ambulance • Medical equipment, aids and supplies • Semi-private hospital room |
100% up to reasonable & customary amounts. Limits and Conditions apply |
100% up to reasonable & customary amounts. Limits and Conditions apply |
100% up to reasonable & customary amounts. Limits Conditions apply |
| Emergency Travel Insurance | $2,000,000 per incident Trip limit – 60 days 90 Stability clause |
$2,000,000 per incident Trip limit – 60 days 90 Stability clause |
$2,000,000 per incident Trip limit – 60 days 90 Stability clause |
| Vision | |||
| Prescription glasses and contact lenses | Age 19: $200 every 2 years Under 19: $200 every year |
Age 19: $350 every 2 years Under 19: $350 every year |
Age 19: $350 every 2 years Under 19: $350 every year |
| Eye exams Age 19: | $75 every 2 years Under 19: $75 every year |
Age 19: $75 every 2 years Under 19: $75 every year |
Age 19: $75 every 2 years Under 19: $75 every year |
| Medically necessary contact lenses | Additional $500 per lifetime | Additional $500 per lifetime | Additional $500 per lifetime |
| Prescription Safety Glasses | Additional $150 every 2 years Employee only |
Additional $150 every 2 years Employee only |
Additional $150 every 2 years Employee only |
| Paramedical Practitioners | Pay Direct Claims enabled Reasonable and Customary |
Pay Direct Claims enabled Reasonable and Customary |
Pay Direct Claims enabled Reasonable and Customary |
| Physiotherapist | $400 per year | $600 per year | $600 per year |
| Podiatrist/Chiropodist | $300 per year per year combined | $500 per year per year combined | $500 per year per year combined |
| Other paramedical practitioners (per practitioner type) | $300 per year | $500 per year | $500 per year |
| Dental | |||
| Dental Fee Guide | Current GP fee guide based on province of service; Additional 10% for specialists | Current GP or specialist fee guide based on province of service | Current GP or specialist fee guide based on province of service |
| Basic Services | 80% | 80% | 100% |
| Major Services | 50% | 50% | 50% |
| Maximum for Basic and Major services | $2,000 per year combined | $2,500 per year combined | $3,000 per year combined |
| Employee and Family Assistance Program (EFAP) | Short-term counselling services | Short-term counselling services | Short-term counselling services |
| Termination Age for EHC. Dental and EFAP | Retirement | Retirement | Retirement |
This is a partial list summarizing the benefits offered.
Top Up coverage available to supplement Long-Term Disability coverage.
Contact us for more details.
Top Up coverage available to supplement Long-Term Disability coverage.
Contact us for more details.