Life and disability
When serious illness, disease, or accident strikes, financial security becomes a dominant issue. Your employees gain important peace of mind despite challenging times from the financial stability provided by life and disability coverage.
In addition to our basic coverage*, we offer several optional benefits to protect your family from financial loss due to disability or death:
- Basic Term Life
- Accidental Death and Dismemberment
- Dependent Life
- Long Term Disability
- Short Term Disability
- Optional Term Life/Employee or Optional Term Life/Employee and Dependents
- Optional Accidental Death and Dismemberment/Employee or Optional Accidental Death and Dismemberment/Employee and Dependents
- Critical illness/LifeLink®
These, together with our health, prescription drugs, travel and dental products provides a full range of coverage and service. As benefits specialists, we can assist you in choosing the most appropriate combination to fit your company needs.
Our experienced and expert case managers ensure thorough claims investigation and timely benefit payments. In addition, we receive support from experts in field investigation, rehabilitation and medical consulting.
These people are part of the local community that enhances our ability to provide proper care and support.
Our comprehensive disability management philosophy is directed at achieving a successful return to work by the disabled employee. We coordinate the efforts of claimants, the employer and health care professionals to develop a tailor-made rehabilitation plan that meets each individual's special needs.
When circumstances do not allow for a return to gainful employment, our disability coverage is there to provide financial protection your employee can count on.
Our approach focuses on:
- strong partnerships with employers and employees,
- early intervention,
- case management, and
- rehabilitation management.
*The benefits listed above are underwritten by the Blue Cross Life Insurance Company of Canada. Please contact us if you have a concern or complaint related to the life and disability coverage listed above.