Pharmacy Association of Nova Scotia
GROUP INSURANCE PLAN

This plan is underwritten by Greenshield Canada, Desjardins Financial and Quikcard Solutions Inc.

Benefits include:
GROUP LIFE INSURANCE/ACCIDENTAL DEATH AND DISMEMBERMENT
Several plan designs to match the needs of the individual stores

EXTENDED HEALTH CARE * (A PLAN DESIGNED USING A PHARMACIST'S  KNOWLEDGE)

The prescription drug plan structure is based on the MSI (Government Drug Formulary) for family services but also includes compounds which normally are not covered by the formulary, providing there is a prescriptive ingredient imitrex (with protocols) and anti-histamines.

The formulary is dynamic. Exceptions are made if the medical health of the employee or her/his dependent can be seen to be significantly enhanced by a drug perhaps not on the formulary. The pharmacist makes the recommendation.  Also covered are items that have an economic advantage. This includes providing benefits not normally covered by the Plan i.e. the drug not on the list is less expensive than the drug that is on the list.

Benefits also include emergency travel outside the country, glasses, physiotherapist, psychologist and chiropractors. Medical supplies and services, ambulance, hearing aids etc.

DENTAL BENEFITS*(Optional By Group)
Plan One: Basic Dentistry - 80% Basic Dentistry with no deductible, unlimited maximum, including check-ups, cleanings, fillings, consultations, oral surgery, periodontic work (gum disease treatment), endodontic work (root canals), denture repair, relining and rebasing.

Plan Two: Basic plan that covers 100% with no deductible as well as 80% major restorative benefits such as crowns, bridges and dentures to a maximum of $1,500. and 50% benefit for orthodontics to a maximum of $1,500. per calendar year per individual patient.

SHORT TERM DISABILITY(Optional By Group)
Provides benefit from the first day of an accident or the eighth day of sickness to a maximum of $750 per week at a rate of 66 2/3% of weekly salary. This benefit will replace Employment Insurance which will allow a E.I. premium reduction for employers. The standard rate of 1.4 times the employee rate will be reduced to 1.29 times the employee rate.

LONG TERM DISABILITY*
Provides taxable or non-taxable benefits payable to age 65 at 66 2/3% of monthly earnings and can include a cost of living adjustment to a maximum of 3% per annum. The benefits include a partial disability benefit payable at the rate of 50% to a maximum of two years. The definition of disability is the inability to perform your occupation for two years. Thereafter the inability to perform any occupation for which you are reasonably qualified by training, education and experience.
*Special Benefits for Owners and key employees.