Understanding plan coverage terms

Your current benefits booklet is the best starting point for a coverage question. Look for the relevant benefit, its definitions, any waiting period and applicable maximums. Each employer's plan can differ from a sample booklet.

Ask your plan administrator which contract version applies and who can clarify unclear terms. A licensed advisor can help you read the language, but the carrier administers its own contract.

Browse workplace health resources or learn how to read your coverage.

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Any non-insurance service described on this site is offered on its own stated terms. No such service is funded by, drawn from, added to, or provided as a rebate of any client's insurance premium. These services do not reduce, rebate, or vary the premium, terms, cost, coverage, or benefits of any insurance policy.

Insurance services described here are provided through Harikaran Loganathan personally, a FSRA-licensed Ontario Life Insurance Agent (FSRA Licence #26250965). Appointing Harikaran Loganathan as Broker of Record transfers the servicing of a group benefits plan to him personally through HLVC | Insurance & Benefits Advisory; it is not the purchase, sale, replacement, or switching of an insurance contract or carrier. These services are not offered as an inducement to buy, replace, renew, or maintain any insurance product within the meaning of the insurance legislation of the applicable Canadian province (including, in Ontario, the Insurance Act and FSRA's Unfair or Deceptive Acts or Practices rule). Nothing here is insurance advice, a recommendation to buy or replace coverage, or a binding offer of insurance; all insurance activity is performed by Harikaran Loganathan personally as an Ontario Life Insurance Agent, under and subject to the requirements of FSRA and the applicable provincial insurance regulators of Canada.

HLVC | Insurance & Benefits Advisory. Insurance services are provided by Harikaran Loganathan, an Ontario Life Insurance Agent (FSRA Licence #26250965), compensated by carrier commission as Broker of Record — no fee to the client corporation. Any tax discussion is illustrative only; confirm both corporate deductibility and possible employee taxable-benefit treatment with your accountant. Figures shown are illustrative and based on stated assumptions. Personal credentials: CSEP-CPT #26660 · B.H.Sc. (Kin). Fully insured CGL.