Group Insurance

PDF version: Group Insurance information for TNS company members

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)

$200 annual administrative fee to CFNS and

  Individual Family
Extended Health Care coverage $77.88 per month $185.36 per month
Dental coverage $45.75 per month $112.56 per month
Life Insurance 1% of gross salary per month 1.2% of gross salary per month
AD&D 0.1% of gross salary per month 0.1% of gross salary per month
Long Term Disability 1.4% of gross salary per month 1.4% of gross salary per month
Critical Illness 1% of gross salary per month 1% of gross salary per month
Travel 0.08% of gross salary per month 0.08% of gross salary 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

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