Coverage Tips

Laser Eye Surgery (Benefit Tips ® - © 1999)

Laser eye surgery reduces or eliminates dependency on corrective lenses by changing the shape of the patient’s eyes. Please note the risks associated with eye surgery include under-correction, over-correction, loss of sharpness and degradation of night vision.

Now that laser eye surgery has become more affordable ($2,000) and main-stream, benefit plan have included it as an eligible expense. Since vision claims are controlled through the spending limit rather the eligibility of expenses, there should not be any cost associated with extending your vision care benefit to include laser eye surgery.

Employees with a health spending account have always been able to claim the full cost of laser eye surgery by budgeting their medical and dental expenses.

Employee Assistance Program (Benefit Tips ® - © 2001)

Ceridian (the payroll company) has a division that provides a comprehensive Employee Assistance Program (EAP) benefit with the following services:

  • mental health counseling
  • on-site trauma response
  • child care and parenting referrals
  • education and schooling
  • support for teens
  • resources for seniors
  • financial
  • legal
  • healthline
  • health and wellness
  • everyday issues
  • concierge

RBC Insurance provides the most comprehensive Long-term Disability (LTD) insurance benefit with the following features:

  • partial and total disability coverage during the 120 day elimination period
  • partial and total disability coverage to-age-65
  • loss of earnings coverage
  • Cost-Of-Living-Allowance increases during a claim
  • conversion upon termination
  • executive benefits (non-cancellable coverage without medical evidence)
  • early intervention

A basic EAP is included with RBC’s disability insurance policy at no charge for groups with 10 or more staff.