GROUP BENEFITS PLAN FOR SECA MEMBERS
The Saskatchewan Early Childhood Association (SECA) has named HealthSource Plus as
the official supplier of the Group Benefits Plan to the SECA. The program for our
members is exclusive to the SECA and takes advantage of our considerable buying
power. We are pleased to report that many SECA members are already taking
advantage of the unique program that is designed to save our members money on their
employee benefits programs – permanently. Our members will benefit from long-term
permanent savings on their employee benefits by working with HealthSource Plus.
Who is Eligible?
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Your centre participates in the SECA Group Benefits Plan.
You are a licensed Family Child Care Provider.
You are a new employee.
You are a current Professional or Child Care Assistant or Family Child Care
member of Saskatchewan Early Childhood Association.
You have completed the group benefits waiting period.
You are a permanent full-time employee working a minimum of 20 hours per
week
Types of Coverage?
The plan offers either individual or family coverage. If your dependants (children
and/or spouse) are not covered under any other plan they automatically will be
covered under your plan at the family rate. If your spouse (legal or common law) has a
plan that provides you with sufficient health and dental care coverage, you may opt
out of that portion of the SECA plan. You can be covered for life and disability
insurance at a lower premium.
SCHEDULE OF BENEFITS FOR EMPLOYEES
Two Plan Options have been created under the SECA Group Benefits Plan. The
coverage details are outline on the next page along with their related costs. Each
centre decides, as a whole, which option they would like to implement (decision is not
made on an individual basis).
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Life, AD&D, Dependent Life, LTD and STD Coverage:
These benefits are mandatory. Short Term Disability (STD) coverage is only mandatory
if that centre chooses to implement Plan Option 2:
BENEFITS
SECA PLAN OPTION 1
SECA PLAN OPTION 2
LIFE INS. and AD&D
Schedule
Maximum Benefit
Termination Age
200% of annual income
$200,000
Age 70 or retirement,
whichever is earlier
200% of annual income
$200,000
Age 70 or retirement,
whichever is earlier
$10,000
$5,000
$10,000
$5,000
Not covered
66.7% of gross weekly
earnings
$800/week
DEPENDENT LIFE
Spouse
Each Child
WEEKLY INDEMNITY
Schedule
Maximum Benefit
Payable from
Accident
Sickness
Hospital – Sickness
Maximum Weeks
Tax Status
Termination Age
1st day
8th day
1st day
17 weeks
Non-taxable
Age 70
LONG TERM
DISABILITY
Schedule
Maximum Benefit
Elimination Period
Duration
Occupation Definition
C.P.P. Offset
Tax Status
Termination Age
60% of gross monthly income
$3,000/month
120 days
Age 65
2 year own occupation
Primary Offset
Non-taxable
Age 65
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60% of gross monthly income
$3,000/month
120 days
Age 65
2 year own occupation
Primary Offset
Non-taxable
Age 65
Healthcare, Drug and Dental Coverage:
These benefits are mandatory unless you have coverage through your spouse’s plan in
which case you can waive healthcare, drug and dental coverage:
BENEFITS
SECA PLAN OPTION 1
SECA PLAN OPTION 2
HEALTHCARE
Deductible
Co-Insurance
Hospital
Paramedical Limits
Private Duty Nursing
Out of Country
Expenses
Vision Care Benefits
Termination Age
Nil
80%
Semi-private
$300/yr./practitioner
$5,000/yr.
$5,000,000 per trip +
$5,000/insured of trip
cancellation insurance.
No coverage
Age 70 or retirement,
whichever is earlier
Nil
80%
Semi-private
$500/yr./practitioner
$5,000/yr.
$5,000,000 per trip +
$5,000/insured of trip
cancellation insurance.
No coverage
Age 70 or retirement,
whichever is earlier
$9 dispensing fee cap
80%
Drug Card
Prescription Generic
Age 70 or retirement,
whichever is earlier
$9 dispensing fee cap
80%
Drug Card
Prescription Generic
Age 70 or retirement,
whichever is earlier
Nil
Nil
80%
$1,500/yr./family member
combined with Major
Restorative
6 months
80%
$1,500/yr./family member
combined with Major
Restorative
6 months
50%
$1,500/yr./family member
combined with Basic Services
50%
$1,500/yr./family member
combined with Basic Services
Not covered
Not covered
Current fee guide
Age 70 or retirement,
whichever is earlier
Current fee Guide
Age 70 or retirement,
whichever is earlier
24 months
24 months
DRUG PLAN
Deductible
Co-Insurance
Delivery
Drug Definition
Termination Age
DENTAL CARE
Deductible
BASIC PROCEDURES
Co-Insurance
Maximum Benefit
Examination Recall
MAJOR RESTORATIVE
Co-Insurance
Maximum Benefit
ORTHODONTIA
Co-Insurance
OTHER FEATURES
ODA Fee Guide
Termination Age
SURVIVOR BENEFIT
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WELLNESS (Physical & Mental)
HealthSource Plus is also the first consulting firm in Canada to embed a complete
Wellness Program into their employee benefits program for free. The HealthSource
Plus TOTAL Wellness Program is designed to help your employees stop smoking, lose
weight, eat right and reduce the stress in their lives. This will help control your long
term health costs by introducing a culture of wellness to your employees.
Diagnosis+
 Included at no cost to you a Medical Second Opinion Service. Diagnosis+
provides reassurance by helping you obtain a confirmation of your diagnosis
and, where applicable, the treatment plan that is best adapted to your
situation.
Total Wellness Program
 Access to a full suite of FREE wellness programs including:
 Three types of individual health risk assessments.
 Stress Management and Substance Abuse assistance tools. Provides
assistance in treating the root of emotional causes of addictive behavior
using a method called “structural cognitive training”. Participants learn
how to make rational choices rather than emotional decisions.
 On-line courses are available to quit smoking, lose weight and improve
nutrition.
 These courses proved to be among the best solutions in North America
with success rates exceeding 70%.
Employee Assistance Program through POSACTION Plus
 helps employees and their dependents address personal and workplace
problems. You and your dependents will have access to confidential
assistance, face-to-face counseling, information, action planning, and
referrals on a range of issues, including child and elder care research and
referrals.
COST of Program & Rate Guarantees
The following is a list of the unit rates associated with the SECA Group Benefits Plan:
BENEFITS
Life Insurance
AD&D
Dependent Life
Long Term Disability
Short Term Disability
Healthcare/Drugs
Dental
SECA PLAN OPTION 1
$0.16/$1,000
$0.043/$1,000
$3.18
$1.98/$100
Not covered
$46.66 single/$137.38 family
$29.49 single/$83.86family
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SECA PLAN OPTION 2
$0.16/$1,000
$0.043/$1,000
$3.18
$1.98/$100
$0.592/$10
$47.59 single/$144.81 family
$29.49 single/$83.86 family
The SECA Group Benefits Plan is a unique program that was designed and
developed solely for the members of the
child care industry in the Province of SASKATCHEWAN.
Some unique features of this plan are:
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No underwriting- that is- no medical or medical information of any kind is
required to be covered.
Permanent Full-time employees working 20+ hours per week are eligible.
Family Child Care Providers are eligible for full coverage.
Employee Assistance Program, counselling for employees and all family
members.
Total Wellness Program – available to you and your eligible dependents.
Continuation of health care benefits to dependants for 2 years after an
employee’s death.
Full Out of Country Coverage + $5,000 per insured of Trip Cancellation
Insurance.
Extension of benefits while on maternity leave, leave of absence, or during your
centre’s summer closure.
For more information on the SECA Group Benefits Plan or to obtain a “Group
Enrolment Kit”, please contact the plan ADVISOR:
Keith Warriner, CFP at:
10 Palmer Place
Emerald Park, SK. S4L 1A2
Email: [email protected]
Phone: (306) 781-2868
Cel: (306) 536-8917
Toll Free: 1-877-374-4985
Fax: (306) 781-2803
Laying the foundation for a financially secure future.
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