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Underwritten by The Co-operators Life Insurance Company

ClearGroup

The pooled stability path for groups 3–20+.

Designed to perform over time, not just win the quote.

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Essentials Benefits Programs

Affordable, preventative health focused

Lifestyle Benefits Programs

Enhanced, preventative health focused

Franchise Programs

Available for groups of 3+ (including owners)

Essentials Benefits Program

Affordable and Balanced Coverage

  • Preventative Health Focused
  • Most affordable premiums
  • Stability of pooled claims

Features pooled rates & claims for Extended Healthcare and Dental. Rates are based on the average age, claims, size of the entire pool. This program is a popular choice across many industries including Retail, Service, Franchise, Manufacturing and more…

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Essentials Benefits Program

Easy set-up. No medical questions required.

Put your benefits plan in a superior position, with rate stability normally only available to larger employers

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Lifestyle Benefits Program

Lifestyle Benefits Program

Contemporary, health focused coverage

Ideal Solution for:

  • Enhanced Preventative Health
  • Lifestyle-focused features
  • Enhanced coverage levels

Features pooled rates & claims for Extended Healthcare and Dental. Rates are based on the average age, claims, size of the entire pool.

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Take the guesswork out of benefits

ClearBenefits.ca takes the guesswork out of benefits through the spread of risk across many clients

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Franchise Program

Exclusive Features for the Franchise Industry

Our Franchise Program ensure all locations have the same rate structure through pooled rates and claims, allowing for voluntary participation and choice of coverage options, with franchisees responsible for their own premiums and administration. We have one of the only programs that meet the unique needs of the Canadian franchise industry.

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Franchise Program

Program Details

Option 1Option 2Option 3Option 4Option 5Core Option
Basic Life Insurance & Accidental Death/Dismemberment
Employee Life Insurance (each benefit)$25,000$25,000$25,000$25,000$25,000$25,000
Accidental Death & Dismemberment$25,000$25,000$25,000$25,000$25,000$25,000
Dependent / Child$10,000 /$5,000$10,000 /$5,000$10,000 /$5,000$10,000 /$5,000$10,000 /$5,000$10,000 /$5,000
Optional Life Insurance
Available in units of $10,000 ($500,000 maximum)OptionalOptionalOptionalOptionalOptionalOptional
Available to employee and /or spouseOptionalOptionalOptionalOptionalOptionalOptional
Optional AD&D
Available in units of $10,000 ($300,000 maximum)OptionalOptionalOptionalOptionalOptionalOptional
Available to employee and /or spouseOptionalOptionalOptionalOptionalOptionalOptional
Extended Healthcare
Overall MaximumUnlimitedUnlimitedUnlimitedUnlimitedUnlimitedUnlimited
Out-Of-Country Emergency $5,000,000 / 90 days per trip100%100%100%100%100%100%
Semi-Private Hospital Room100%100%100%100%100%100%
Air & Ground Ambulance100%100%90%90%80%70%
Drug Expenses – Pay Direct Drug Card included on all options Generic / Brand coverage100% / 80%100% / 80%90% / 70%90% / 70%80% / 60%70% / 50%
Drug Expense Annual Limit — per eligible family member$5,000$5,000$2,000$2,000$1,000$750
All Other Covered Expenses100%100%90%90%80%70%
Paramedical Practitioners
Coverage is per type category, per eligible family member, per year:
Acupuncturist$550$550$400$400$350$300
Audiologist$550$550$400$400$350$300
Chiropractor$550$550$400$400$350$300
Massage Therapist$550$550$400$400$350$300
Naturopath$550$550$400$400$350$300
Nutritionist / Dietician$550$550$400$400$350$300
Occupational Therapist$550$550$400$400$350$300
Osteopath$550$550$400$400$350$300
Podiatrist/Chiropodist$550$550$400$400$350$300
Psychologist/Social Worker/Clinical Counsellor/Psychotherapist$550$550$400$400$350$300
Physiotherapist / Athletic Therapist$550$550$400$400$350$300
Speech Therapist$550$550$400$400$350$300
Vision: eye exams once every 24 monthsR&CR&CR&CR&CR&CR&C
Lens, Frames, Contacts once every 24 months$350$350$300$300$250$200
Dental
Annual Dental Maximum (per family member)$1,500$1,500$1,000$1,000$750$500
Recall Exams1 / 6 months1 / 6 months1 / 6 months1 / 6 months1 / 6 months1 / 6 months
Annual Deductible (single / family)$0$0$0$0$0$0
Basic (Routine Coverage)
Cleanings80%80%80%80%80%70%
X-Rays80%80%80%80%80%70%
Scaling80%80%80%80%80%70%
Root Canals80%80%80%80%80%70%
Oral Surgery80%80%80%80%80%70%
Fluoride80%80%80%80%80%70%
Gum Disease Treatment80%80%80%80%80%70%
Denture Maintenance80%80%80%80%80%70%
Major Restorative
Crowns50%50%50%50%n/an/a
On-lays50%50%50%50%n/an/a
Bridges50%50%50%50%n/an/a
Dentures50%50%50%50%n/an/a
Long Term Disability
% of eligible monthly earnings66.7%n/a66.7%n/an/an/a
Maximum monthly benefit$6,000n/a$6,000n/an/an/a
Benefit period5 yearsn/a5 yearsn/an/an/a
Employee Assistance Program — by Morneau ShepellOptionalOptionalOptionalOptionalOptionalOptional
Second Opinion Consult — by WorldCareOptionalOptionalOptionalOptionalOptionalOptional
Short Term Disability (66.7% 1/8/16 Benefit Period)OptionalOptionalOptionalOptionalOptionalOptional
Critical IllnessOptionalOptionalOptionalOptionalOptionalOptional
Virtual HealthcareIncludedIncludedIncludedIncludedIncludedIncluded

Underwritten by The Co-operators Life Insurance Company