Shoreline offers comprehensive group benefits for Canadian employees through Equitable Insurance. Benefits are optional and cost $200/month per employee. Coverage becomes effective after a 60-day waiting period from the employee's start date but if its an old employee we can start right away.
The premium follows a 70/30 cost-sharing model, where employers cover 70% of the monthly premium and employees can contribute anywhere from 0-100% of the remaining 30% through payroll deductions, based on their individual preference for benefit coverage levels. This optional program includes life insurance, prescription drug coverage, paramedical services, vision care, and dental benefits.
For employees seeking additional coverage, the employer may sanction one-time payments to cover employee expenses, such as gym memberships, additional Wellness visits, etc.
All permanent employees working a minimum of 20 hours weekly with provincial health insurance are eligible to participate. See the detailed breakdown below for specific coverage limits and terms.
| Category | Coverage Details |
|---|---|
| Life Insurance & AD&D | • Basic coverage: $50,000• Reduces to 50% at age 65• Terminates at age 70 or earlier retirement |
| • Dependent coverage: - Spouse: $10,000 - Child: $5,000 per child | |
| Disability | • Short Term: $10,000 |
| • Long Term: Not covered | |
| Drug Plan | • 80% coinsurance |
| • Pay-direct drug card | |
| • Mandatory generic drugs | |
| • $7,500 annual maximum | |
| • No coverage for: - Fertility drugs - Smoking cessation - Vaccines | |
| Major Medical | • No deductible |
| • 80% coinsurance | |
| • Semi-private hospital room (100%) | |
| • Hearing aids: $500/5 years• Private duty nursing: $10,000/year | |
| • Out of province/country: $5M lifetime maximum •90-day trip duration limit | |
| Paramedical Services | • 80% coverage |
| • $300 per practitioner annually | |
| • No doctor referral required | |
| • Covered practitioners: - Acupuncturist - Chiropractor - Massage Therapist - Naturopath - Osteopath - Physiotherapist - Podiatrist/Chiropodist - Psychologist/Social Worker/Counsellor - Speech Therapist | |
| Vision Care | • 80% coverage |
| • $200 per 24 months for glasses/contacts | |
| • Eye exams once per 24 months | |
| Dental Care | • 80% coverage for basic services |
| • $1,500 annual maximum | |
| • No deductible• Recall exams every 6 months | |
| • 8 units of scaling per year | |
| • No major restorative or orthodontics coverage | |
| Eligibility Requirements | • Must be permanent, full-time employee |
| • Minimum 20 hours/week | |
| • Must be actively working | |
| • Must have provincial health insurance |