enVia Benefits Program

General (15 entries)

• What is the enVia Benefits Program?
  It is a flexible individual benefits and insurance program that has been designed to meet the needs of the Part-time, Contract, Temp, Casual staff as well as self-employed spouses of any ...
• Who can be covered by the Program?
  The enVia Benefits Program is available to individuals as noted in 1 above. The Disability Benefits require that the applicant be working at least 20 hours per week ...
• Is there a waiting period before I can join?
  No, there is no waiting period. You can apply at anytime. Coverage is effective on the 1st of the month coincident with or next following receipt of the fully competed application ...
• Do I have to have a medical exam, or provide evidence of good health?
  No medical exams are required. Most benefits are available on a “guaranteed issue” basis. A Personal Health Declaration is only required for the Optional Disability Insurance, or a medical application for ...
• What does the Program offer?
  The Program offers three options for Health & Dental benefit protection: First, there are two alternative fully insured health and dental programs that will appeal to ...
• What is the Program anniversary date?
  The Insured health and dental programs, as well as the Catastrophic Insurance and all Optional Insurance except the Critical Care Recovery Insurance have a common anniversary date of May 1st each ...
• How do I determine my options and monthly costs?
  We can provide you with a Program Summary and Cost Calculator that allows you to obtain additional plan details and then determine your monthly cost on the spot. The application forms ...
• How are the monthly premiums paid?
  Esorse Corporation , the Program Administrator, issues a monthly invoice via email on the 23rd of each month for the following month’s premiums due based on your personal selections. On the ...
• What proof of coverage will I receive?
  You will receive a booklet dependent on the Program you have chosen and Optional benefits applied for. For those participating in the eHSA Program or the Individual Insured Program, or VALUE ...
• When can I terminate coverage?
  You can terminate coverage at anytime upon 30 days written notice (including by email). Confirmation of termination will be sent via email.
• What if I am covered by my spouse’s benefits plan or by one of the Provincial Drug Plans such as the Trillium Plan in Ontario?
  Maclagan and Esorse will work with you to ensure that benefits are properly coordinated.
• Why should I purchase the Optional Disability coverage?
  Everyone needs protection against unforeseen sudden illness or accident that prevents you from performing the duties of your job. Take away your ability to work and you have lost your most ...
• How do the enVia Health and Dental plans compare against those individual plans offered by Manulife, Sun, Great-West and others?
  The enVia Programs are constantly compared against the competition. We believe that enVia provides more comprehensive protection at lower cost. Detailed comparisons can be provided on request. Most other plans require ...
• What are the advantages of the enVia Health Spending Account versus a fully insured program?
  The eHSA Program provides far greater flexibility in terms of the medical and dental expenses that can be claimed under the Program compared to any individual or group health and dental ...
• What if I need more information?
  Send us an email and we would be happy to respond: info@maclagan.ca Or call us at: 416-446-0115 or 905-554-0875  ...