Group Insurance
PDF version: Group Insurance Information
For more information or to register, please contact the TNS office.
Group Insurance information for TNS Professional Theatre and Affiliate members
- Company must be a member in good standing of Theatre Nova Scotia
- Individuals must be employees of the member company, working on a permanent basis for at least 20 hours per week (and are covered under a Provincial Health Insurance plan and are under age 65)
- Those taking part will be part of the Cultural Federations of Nova Scotia group plan
- The agent is Belmont Financial Group
- The underwriter for Extended Health Plan benefits is The Co-Operators
- Annual administrative fee must be paid upon invoicing
- Payments for at least 6 months must be provided to CFNS as post-dated cheques or automatic e-transfers
Projected Rates: (approximate & subject to change)
$250 annual administrative fee to CFNS and
| Individual | Family | |
| Extended Health Care coverage | $105.12 per month | $249.38 per month |
| Dental coverage | $53.48 per month | $131.58 per month |
| Life Insurance | $0.432 per month | $1000 (2x annual salary to maximum of $105,000) |
| AD&D | $0.048 per month | $1000 (2x annual salary to maximum of $105,000) |
| Long Term Disability | $2.158 per month | $100 (66.67% of monthly salary to a maximum of $3000) |
| Critical Illness | $35.28 flat rate | $35.28 flat rate |
| Travel | $2.81 per month | $5.61 per month |
Extended Health Care Coverage
- Ambulance services
- Hospital and Home Nursing Care for acute, convalescent or palliative care
- No chronic care plan available under this plan
- Out of province out-patient charge in an approved hospital
- Paramedical practitioners including:
- Acupuncturist
- Chiropractor
- Massage Therapist
- Naturopath
- Osteopath
- Physiotherapist
- Podiatrist/Chiropodist
- Psychologist
- Speech Therapist
- Optometrist/Opthamologist
- Prescription drugs (75%)
- Medical supplies including:
- Diabetic supplies
- Laboratory expenses
- Medical equipment
- Therapeutic Equipment
- Oxygen & Equipment
- Orthopedic equipment
- Wheelchairs and hospital beds
- Wigs and hair pieces
- Prosthetic equipment
- Communication aids
- Ostomy supplies
- Dental accident coverage
- Vision Care
- Dependent survivor benefit
Dental Coverage
- Regular exams 1 per 12 month period
- Full mouth x-rays per 24 month period
- Bitewing x-rays per 12 month period
- Cleaning
- Fluoride application
- Tooth extraction
- Fillings
- Spacers
- Denture repairs once per 36 month period
- Filing
- Pit and fissure sealants
- Minor surgical procedures
- Endodontics
- Periodontics
- Crowns & onlays
- Dentures, bridgework & implants
- Dependent survivor benefit
Critical Illness Coverage
Lump sum payment in the event of survival [of a designated period] of the diagnosis or treatment of:
- Life threatening cancer
- Occupational HIV,
- Multiple Sclerosis, Motor neuron disease
- Alzheimer’s disease
- Parkinson’s disease
- Benign brain tumor
- Heart Attack
- Stroke
- Kidney Failure
- Coma
- Deafness
- Burns
- Major organ failure
- Blindness
- Heart surgery (aortic, coronary artery bypass, heart valve replacement)
- Major organ transplant
*Excludes pre-existing conditions
Long Term Disability Coverage
- Monthly salary calculation
- Benefits after 120 days of being unable to work (in any capacity)
*Excludes pre-existing conditions
*Taxable benefit if paid by employer
Life Insurance Coverage
- Payment of 2 years salary
- Living benefit option
- Flat fee payments for dependent coverage
Accidental Death & Dismemberment (AD&D)
- Coverage for injuries or death incurred while actively at work
- Accidental Death payment to beneficiary
- Injuries payment as per schedule
- Rehabilitation Benefits
- Family Transport Benefits
- Home and vehicle alteration/modification benefit
- Continuation of education benefit
- Spousal occupational training benefit
- Repatriation benefit
