Updates to your benefits: New Caregiver Leave, Wellthy family care support, and a new Leave/Disability administrator. Explore your updated benefits now.

Health Benefits

The Company pays the full cost of health, dental, vision, and Employee Assistance Program benefits for you, your spouse, and your eligible child(ren). You are responsible for Long-Term Disability, Life and AD&D, and Dependent life insurance. Benefits are provided through Industrial Alliance (IA).

You are automatically enroled in a Health Spending Account (HSA) through iA to help cover eligible medical, dental, and vision expenses. Funds can be used for a wide range of qualified healthcare costs, making it a valuable resource for managing out-of-pocket expenses. To learn more about how to use your HSA and see what’s covered, visit the Health Spending Account page.

Learn about Your Benefits

Join Industrial Alliance for a virtual presentation to better understand the benefits available to you and your family. The session will cover coverage details, how to access care, using the IA portal, and tips for getting the most out of your benefits.

Don’t miss this opportunity to get your questions answered and feel more confident about your coverage.

Find It Fast

New to the Company?

You’ll enrol in mandatory benefits using an IA form provided during onboarding. You can waive medical and dental with proof of other coverage. ID cards and portal login details will be mailed to your home within two weeks.

Need to Make a Mid-Year Change?

To adjust benefits mid-year due to a life event, submit a Change Request Form through an HR4You ticket.

You, your spouse, and your dependent children are covered for a wide range of services to support your physical and mental well-being. Log into My Client Space to view your benefits, check your balance, and review claim status. To file a claim, click “Your Claims” in the left column of the home page.

The chart below outlines some of the most commonly used medical services. For full coverage information and a complete list of available support, please refer to your benefits booklet.

Note: If you are in Class 950, your benefits may differ slightly from what is shown. For specific details, contact Industrial Alliance directly.

Did You Know?

You can use the Provider Search tool in My Client Space or the IA Mobile app to check that your healthcare provider is covered by your insurance plan. It’s a quick way to confirm the provider is eligible and that your claim will be accepted.

Support Your Path to Parenthood

Every family-building journey is different. Your medical coverage includes infertility drugs and treatment—covered in full and not subject to the deductible.

  • Medical benefit: Up to $10,000 lifetime maximum (reimbursed through Industrial Alliance).
  • Prescription drug benefit: Up to $20,000 lifetime maximum. The first $10,000 is reimbursed by IA. To access the second $10,000, submit your receipts through HR4You.

To help you navigate this process with confidence, you also have access to expert-led, easy-to-understand FertilityIQ courses through Inflection.

Benefit

Reimbursement

Max per Visit/Service

Yearly Maximum

Subject to Deductible

Paramedical

Chiropractor

90%

R&C*

$500.00 per insured person/year

Yes

Massage Therapist

90%

R&C*

$500.00 per insured person/year

Yes

Naturopath

90%

R&C*

$500.00 per insured person/year

Yes

Osteopath

90%

R&C*

$500.00 per insured person/year

Yes

Physiotherapist

90%

R&C*

$500.00 per insured person/year

Yes

Podiatrist/Chiropodist

90%

R&C*

$500.00 per insured person/year

Yes

Speech Therapist

90%

R&C*

$500.00 per insured person/year

Yes

Psychologist,
Psychotherapist, and
Social Worker

90%

R&C*

Combined maximum of $800 per insured person/year

Yes

Medical

Diabetic monitoring equipment

100%

–

$1,000 per lifetime

Yes

Diabetic administrative equipment (insulin pumps)

100%

–

$4,000 per period of 60 consecutive months

Yes

Foot orthotics

100%

R&C*

$300 per calendar year

Yes

Hearing aids

100%

R&C*

$500 per period of 5 consecutive calendar years

Yes

Orthopedic shoes
(modified off the shelf, custom made/molded)

90%

R&C*

$300 per calendar year

Yes

Surrogacy charges

100%

–

$10,000 per lifetime combined for all insured persons

No

Infertility treatment**

100%

–

$10,000 per lifetime

No

Gender-affirming care

100%

–

$20,000 per lifetime

No

Hospitalization

Hospital room (Semi-private room rate)

100%

$200 per day

$200 per day

No

Special Benefits

Emergency out-of-province medical fees

Eligible with a lifetime limit

Trip cancelation

Eligible
* The cost of a paramedical service varies between specialists. Reasonable and customary fees correspond to the maximum acceptable amounts established for certain services based on their average cost in any given region. An updated list for the current calendar year can be found in My Client Space under Guides and Resources. For further information regarding your coverage with respect to reasonable and customary fees for paramedical services, please refer to your group insurance booklet in My Client Space under Forms and Documents in the left column.

** Your medical coverage also includes infertility drugs at no cost, up to a $20,000 lifetime maximum. Learn more on the prescription drug section.

To better understand your prescription drug coverage, Industrial Alliance offers WebRx. The dashboard helps you check if a drug is covered under your plan, how much will be reimbursed, which nearby pharmacies carry it, and whether there’s a more cost-effective alternative.

To get started, sign into My Client Space and click WebRx in the left column.

Save on your prescriptions

If you take a prescription drug on a regular and continuous basis and don’t plan any changes in the coming months, you can buy 60-or 90-day supplies. This will help you save on dispensing fees, and reduce the time spent going to the pharmacy. Check with your pharmacy to see if they offer extended-day supplies and if your medication qualifies.

Note: Some medications may require prior authorization.

Coverage

Reimbursement

100%

Deductible

$5 for each prescription or refill

Overall maximum

Unlimited

Find It Fast

Support Your Path to Parenthood

Every family-building journey is different. Your medical coverage includes infertility drugs and treatment—covered in full and not subject to the deductible.

  • Medical benefit: Up to $10,000 lifetime maximum (reimbursed through Industrial Alliance).
  • Prescription drug benefit: Up to $20,000 lifetime maximum. The first $10,000 is reimbursed by IA. To access the second $10,000, submit your receipts through HR4You.

To help you navigate this process with confidence, you also have access to expert-led, easy-to-understand FertilityIQ courses through Inflection.

Log into My Client Space and click on “Your Coverage” to view your dental benefits, review your balances, and check when you’re eligible for your next dental service, like a cleaning or exam.

Category

Coverage

Frequency/Limits

Preventive
Exams, cleanings, X-rays, fluoride, oral hygiene, space maintainers

100%

Exams: 1 every 6 months

X-rays: 1 every 24 months

Cleanings: 1 every 6 months
Up to $1,500 combined per calendar year

Basic
Fillings, root canals, sealants, extractions, minor oral surgery

100%

Major
Crowns, dentures, inlays/onlays, implants

50%

Up to $1,500 per calendar year

Orthodontic
Braces, retainers, related exams

50%

Up to $1,500 per lifetime
Note: If your dentist charges the exact fee listed in the Provincial Dental Fee Guide, your plan will reimburse based on that amount according to your plan’s coverage. If your dentist charges more than the guide, you may be responsible for the difference (this is called a balance bill). For example, if the fee guide says a cleaning is $120, and your dentist charges $130, you would pay the $10 difference.

You can log into My Client Space and click on “Your Coverage” to view your vision benefits, review your balances, and check when you will be eligible for the next full $300 amount, based on your age and plan rules.

Coverage

Reimbursement

100%

Eye Exams, Eye Glasses, Contact Lenses

Under age 18: $300 every 12 months
Over 18: $300 every 24 months