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At Canada Life Group Insurance we believe there is much more to insurance than simply providing financial benefits. Group risk claims do not happen every day, so we aim to provide value and engagement throughout the policy year by including additional services that can be used daily by employees, and often their immediate family members too, at no charge to them.
We work with our service partners to ensure the non-financial benefits are understood and used by employees and their family members. To demonstrate this we have a dynamic communications programme which includes a variety of material, all available on our website.
Group Life Assurance (GLA)
As the GLA[1] market leader we recognise that setting up a scheme correctly is crucial to obtaining the best tax advantages, which requires having suitable trust documentation. Our website contains draft documentation that can be used to establish your scheme, although we always recommend seeking legal advice to ensure it is suitable for you.
In addition to the benefit payment on the death of an employee, we offer the following support at a difficult time for the employee’s family and relatives:
- A 24/7 bereavement helpline for the deceased’s family, with up to four face–to-face counselling sessions.
- A helpline to provide support in dealing with all aspects of obtaining probate[2].
Group Income Protection (GIP)
Alongside paying a financial benefit for long-term absences, we want to ensure the best outcome for employers and their employees, so our GIP product offers:
- Access to a medically trained, experienced, regionally-based Rehabilitation Team.
- Regional Claims Management Consultants who work with employers on every claim, ensuring clear communication of decisions, progress and forecasting likely absence durations.
All of the following services are offered to all employees, whether insured by the GIP policy or not. Our ambition is for employees and employers to make the most of what we offer.
- EmployeeCare, our Employee Assistance Programme provided by Capita, gives employees access to a 24/7 counselling helpline. It also offers up to 4 face-to-face counselling sessions (per employee, per issue, per year).
- Online health risk assessment and portal supports workplace health and wellbeing initiatives.
- Best Doctors® second medical opinion service supports decisions on diagnosis and treatment for employees and their family members, which can reduce the need for medical treatments.
- Treatment Sourcing Service provided by MCD, to help employees and their family members to access cost-effective private healthcare.
Our GIP product also offers support to companies. BusinessCare offers online document creation for employment, Health & Safety and business management and a helpline to discuss specific workplace scenarios.
Group Critical Illness (GCI)
While GCI makes a payment on diagnosis of a specified condition, we also provide:
- The Best Doctors second medical opinion service to insured employees and their family members.
- All claimants will be contacted by the RedArc nurse-led service, which provides unlimited ongoing practical and emotional support – a unique complement to Best Doctors.
- Treatment Sourcing Servicefor all employees and their family members.
- Procedural support for employees, through a claims helpline.
- An online, indexed condition guide for potential claimants, which employers can make available on flexible benefit platforms or their intranet.
We insure almost 2.7m employees and 21,000 employers[3]. We do not compromise on quality, and we leverage our economies of scale to deliver the best services we can through the partners we have chosen. As you can see there is much more to our group risk offering than the financial aspects of an insurance product.
