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Perks · Health benefits

The benefits Canadian employees expect. Family included.

Shoreline offers a group benefits plan for your Canadian employees through Equitable Insurance, covering life insurance, disability, prescription drugs, paramedical services, vision and dental. Coverage starts immediately on enrollment, with no waiting period. Want retirement savings too? See Retirement and investing.

Add benefits for my team See full coverage
Shoreline health benefitsOpt-in
$220per employee per month
.
  • .Employee plus family: spouse or common-law partner, and children under 18
  • .No cost to the employee: the full premium is employer-paid, unless you choose to share it
  • .No waiting period: effective immediately on enrollment
  • .Insurer: Equitable Insurance

Why it matters

Public healthcare in Canada doesn't cover these.

Canada's universal healthcare doesn't cover dental, vision, prescriptions or paramedical services, so Canadian employees expect extended benefits as standard. A strong package is a key factor in hiring and retention.

1

Dental

80% of basic services, up to $1,500 a year, recall exams every 6 months.

2

Vision

$200 for glasses or contacts and one eye exam every 24 months.

3

Prescriptions

80% coverage up to $7,500 a year, with a pay-direct drug card.

4

Paramedical

80% coverage, $300 per practitioner a year, including psychologists and counsellors. No referral needed.

Coverage details

What the plan covers, line by line.

Life and AD&DDisabilityPrescription drugsMajor medicalParamedicalVisionDental
Basic life insurance$50,000
Reduction at age 6550% of coverage
TerminationAge 70 or earlier retirement
Spouse coverage$10,000
Dependent child coverage$5,000 per child
Short-term disability$10,000
Long-term disabilityNot included
Coinsurance80%
Annual maximum$7,500
Drug cardPay-direct, no upfront cost
Generic substitutionMandatory where available
Not coveredFertility drugs, smoking cessation, vaccines
DeductibleNone
Coinsurance80%
Semi-private hospital room100%
Hearing aids$500 per 5 years
Private duty nursing$10,000 per year
Out of province or country$5M lifetime maximum
Trip duration limit90 days
Coinsurance80%
Per-practitioner annual limit$300
Doctor referral requiredNo

Covered practitioners: acupuncturist, chiropractor, massage therapist, naturopath, osteopath, physiotherapist, podiatrist or chiropodist, psychologist, social worker, counsellor, speech therapist.

Coinsurance80%
Glasses or contacts$200 per 24 months
Eye examsOnce per 24 months
Coinsurance (basic services)80%
Annual maximum$1,500
DeductibleNone
Recall examsEvery 6 months
ScalingUp to 8 units per year
Major restorative and orthodonticsNot included

Family coverage

Everyone at home, at no extra cost.

Benefits extend to the employee's family at no additional cost.

  • .Spouse or common-law partner
  • .Dependent children under 18 years old

Eligibility

Who can join the plan.

To participate, an employee must meet all of the following:

  • .Permanent employee on Shoreline's payroll
  • .Working a minimum of 20 hours per week
  • .Actively working, not on unpaid leave at enrollment
  • .Enrolled in provincial health insurance (OHIP or equivalent)

Cost sharing

Pay it all, or split it with your employee.

The premium is employer-paid by default. You can also split it with the employee. The split is set up manually, at whatever ratio you agree: tell Shoreline and the employee's share is deducted from their paystub.

  • .Employer-paid by default: you cover the full premium
  • .Or share it: agree a split with the employee and tell Shoreline
  • .Set up manually: Shoreline applies the split you choose; there's no fixed ratio
  • .Deducted for you: the employee's share comes off their paystub