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Alberta Association of Physiotherapy supports our members in many ways. We are excited to offer a competitive Health and Dental plan to support you and your family.
This association health and dental plan is a group insurance plan offered to all members of AAP through our partners at Davis Benefits.
- Member pays 100% of the cost of the coverage (billed directly from our Benefits platform)
- No medical underwriting
- Affordable premiums with competitive coverage
For more information, download AAP Extended Health Benefits – 2024.
Membership Enrollment:
Members of the association are given the option to enroll in the health and dental plan within the member portal. Our partner Katrina Sinclair (katrina@davisbenefits.ca) from Davis Benefits will help coordinate getting you set up.
Enrollment is voluntary, as members may choose to participate based on their individual needs and preferences.
Coverage Options:
The health and dental plan provides one plan design for all members. If you are an incorporated business, you can also look at adding a Health Care Spending Account. Please contact our insurance partner Katrina Sinclair to discuss setup.
Basics of a Health Care Spending Account
Provider Networks:
Your plan provider: Simply Benefits
The plan is set up to coordinate with all dentists and practitioners. However, it is up to the individual business (i.e. dentist) to coordinate claims with insurance providers. Some businesses require the patient to pay everything up front, some businesses coordinate with insurance providers instantly.
Renewal and Changes:
The association periodically reviews the health and dental plan, considering factors such as the overall health of the group, cost trends, and changes in the insurance market.
This Plan may be renewed or modified based on the needs of the association and its members.
Overall, our association health and dental plan aims to provide cost-effective and comprehensive coverage for our members. Being part of an association plan often results in better negotiating power and more affordable premiums compared to individual insurance policies.
Rules of the Benefits Plan:
If you cancel your plan and choose to rejoin the plan at a later date you will be medically underwritten to re-join the plan.
Spouses and Dependents must be added to the plan within 30 days of a life event: Marriage, divorce, birth of a child. For further details please refer to your booklet in your employee benefits portal.
Plan Details for AAP Members
PLAN DESIGN
Basic Life Insurance
Flat $10,000
Face amount reduces by 50% at age 65 and an additional 50% at age 70.
Termination: Participant’s 75ᵗʰ birthday or earlier retirement
What is Life Insurance?
Life insurance can financially support your loved ones when faced with tragedy. The flat amount will be paid to your selected beneficiary in the tragic event you should pass on.
- Assist with the adjustment of sudden loss of income
- Continue to live the lifestyle they are familiar with
- Cover debts and final expenses such as funeral costs
The Average funeral cost in Alberta ranges from $3,500 to $12,000+.
This plan was designed to support you and your family’s Health and Dental needs. For further information on Life insurance and estate planning please get in touch with our insurance partner shanna@coveadvisors.ca for a full evaluation with member discounts.
Accidental Death and Dismemberment
Flat $10,000
Face amount reduces by 50% at age 65 and an additional 50% at age 70.
Termination: Participant’s 75ᵗʰ birthday or earlier retirement
Accidental Death and Dismemberment (AD&D) is included in your benefits plan. AD&D Insurance provides a lump sum payment* if you die or suffer an injury caused by accidental, violent and external means, independently of all other causes. An amount will be paid to your selected beneficiary if you suffer an accidental death or dismemberment.
*The percentage of benefit paid, is predetermined by the loss suffered. The full benefit is paid on death. Partial benefits are paid for other losses.
Dependent Life
Spouse $10,000
Child(ren) $5,000
Child Coverage Begins from Live Birth. Children are eligible until age 21, or 25 if enrolled in full time post secondary school.
Termination Age: Participant’s/Member’s 70ᵗʰ birthday or earlier retirement.
Dependent Life insurance can financially support you when faced with tragedy. If your spouse or child passes away, this coverage can assist with:
- Final expenses such as funeral costs
- Supporting the adjustment of a sudden loss
The Average funeral cost in Alberta ranges from $3,500 to $12,000+.
This plan was designed to support you and your family’s Health and Dental needs. For further information on Life insurance and estate planning please get in touch with our insurance partner shanna@coveadvisors.ca for a full evaluation with member discounts.
Extended Health Coverage
You will be provided a digital benefits card for you and your dependents, which you can use at the pharmacy for medications. Please ensure your legal name is correct on the card, or there may be issues processing your claims.
Dental Coverage
Your digital benefits card will be available in your app, to assist your dentist in coordinating with the provider: Simply Benefits
Monthly Cost
Simply Benefits will bill you directly for your monthly premiums. As of January 1st, 2024 the cost will be:
Single (1 person) $135.03/month
Duo (2 people) $255.35/month
Family (3+people) $332.90/month
Contact:
Katrina Sinclair
Insurance Advisor
Davis Benefits & Pensions Ltd.
katrina@davisbenefits.ca
778-554-6676
