Overview of the Plan

Disclaimer: This information below is intended to give you an overview of the benefits available to you under the Maritime Resident Doctors Benefit Program. This is not an insurance policy, and does not grant or confer any contractual rights. All rights under this program shall be governed by the provisions of the Master Policy and by applicable law. Maritime Resident Doctors reserves the right to make any applicable changes, modify or discontinue.

For complete plan details, please refer to your Maritime Resident Doctors group benefits booklet; or if you have questions about the plan, contact Maritime Resident Doctors at 902-404-3595.

Group Benefits Policy Year: July 1 - June 30

Health Insurance

Annual Deductible	Nil
Drugs
Pay Direct Card	Yes
Coverage	20% co-pay, out-of-pocket maximum of $25 per script; reimbursement for “generic” equivalent drugs requiring a script including oral contraceptives; $300 lifetime maximum for smoking cessation; $15,000 lifetime maximum for fertility drugs.
Other Medical Services (summary only):
Insurer	Canada Life
Reimbursement	Paramedical Expenses 90%; All other expenses 100%
Paramedical Services:	Coverage provided up to $1,000 per practitioner, per policy year, to a combined maximum of $1,500. Services provided by the following licensed practitioners. Chiropractor, osteopath, occupational therapist, podiatrist / chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, acupuncturist, audiologist, dietician. Psychologist/registered counselling therapist/social worker is eligible for $2,500 per year.
Vision Care	Frames and lenses: $250 / two (2) years (1 year Children) requires a prescription Occupational glasses: $250 / 2 years for members only (in addition to regular benefit and requires a prescription) Eye exam once per policy year up to reasonable and customary charges
Private Duty Nurse	$10,000 per policy year.
Orthopedic shoes	Non-custom: $150 per policy year Custom: One pair per policy year
Custom Made Orthotics	$400 per three (3) policy years.
Hearing Aids	$600 per three (3) calendar years.
Hospital
Coverage	Semi-private accommodations.
Out of Province / Country
Coverage	100%; $5,000,000 maximum per lifetime. Includes Emergency Travel Assistance. Provincial coverage must be in force during absence from province. Referrals reimbursed at 50%; subject to $3,000 maximum per 3 policy years.

Dental Insurance

Insurer	Canada Life
Annual Deductible	Nil
Policy Year	July 1
Fee Guide	Current general practitioner fee guide based on the province in which services are rendered.
Basic Treatment	80% reimbursement including recall exams twice per year
Major Treatment	50% reimbursement.
Orthodontics	Not Covered
Maximum	Combined policy year maximum of $1,500 for all services.

Life Insurance

Insurer	Canada Life
Benefit Level	$100,000.
Waiver of Premium	Up to age 65 if totally disabled.
Conversion	Can convert to individual.
Reduction	Begins at age 61; refer to booklet for reduction schedule.

Accidental Death and Dismemberment

Insurer	Sutton Special Risk
Benefit Level	$100,000.
Waiver of Premium	Up to age 65 if totally disabled.
Conversion	Can convert to individual.
Reduction	Begins at age 61; refer to booklet for reduction schedule.

Short-term sick leave

In accordance with your collective agreement, coverage is provided for 90-working days. If you remain disabled after your short-term sickness disability benefits expire, you are then eligible to apply for long term income disability with Canada Life. For complete program details, visit www.canadalifeatwork.com or contact Maritime Resident Doctors at (902) 404-3595.

Long-Term Disability

Insurer	Canada Life
Benefit
Benefit Level	66.7% of your monthly earnings to a maximum of $10,000.
Commencement	Following 90 working days provided disability is continuous and you are under 65.
Tax Status	Income is taxable.
Additional Provisions
Definition of Disability	Your own occupation first 5 years, any occupation for which you are, or could reasonably become qualified thereafter.
Reductions	CPP, WCB, some other benefits.
Income from other Sources (except for any income provided under the Ontario Medical Association plan)	If necessary, the amount of your benefit will be further reduced so that your total amount from all sources does not exceed 100% of your pre-disability earnings. If you are eligible to receive income resulting from your membership in an association of any kind except for the Ontario Medical Association, the benefit will be reduced by such income only if that income exceeds 100% of the Member’s pre-disability earnings.
Exclusions	Self-inflicted injuries or illnesses. War, insurrection, the hostile actions of any armed forces or participation in a riot or civil commotion. Operation of a motor vehicle while under the influence of any intoxicant. Abuses of addictive substances. Committing or attempt to commit a criminal offense.