TotalGUARD Key Features

Flexibility
As a result of our more than 25 years of experience in setting up employee benefits programs, HED recognizes that an employee benefits plan must be flexible. Our TotalGUARD program offers each employee the following:

• Variability - The choice between four levels of coverage (Bronze, Silver, Silver Plus and Gold).
• Scalability - The ability to move between plans.
• Individual Choice - The flexibility to decide as individuals about Life Insurance, Long Term Disability, and Accidental Death and Dismemberment (AD&D).
• Basic Coverage - Life, AD&D, Dependent Life, Dental, and Extended Health Care.
• Optional Coverage - Optional Life, Optional AD&D, Vision, Long Term Disability, and Short Term Disability.

Cost Effectiveness
This flexible and dependable Group Insurance program is a national plan consisting of more than 800 businesses like yours. As a result we have been able to offer our clients:

• Rate Stability - Members associated with this product have benefited by stable rates throughout the 20+ year history of the program.
• Spread of Risk - TotalGUARD presently insures over 800 businesses, which keeps costs down and coverage level and flexibility up.
• Group Rating - The rates are based primarily on the entire group, not an individual firm’s risk. As a result, each insured firm benefits from the strength of the group.

• Assistance with applications and forms at enrolment
• Daily administration - additions, deletions, changes in coverage
• Claims processing
• Dedicated Life and Health department, producing all billings, booklets, and certificates

We provide the following to our clients:

• Branch offices across Canada
• 24-hour message centre for inquiries
• Pay-direct drug cards on all plans
• Electronic transfer of dental claims
• Administrative support

Invoicing
Detailed billings showing premium breakdown on a per member and per coverage basis are provided monthly. Payment is made through pre-authorized chequing for your convenience.

Process and Support
HED provides each client with all the steps involved in program implementation and ongoing support. Each group will be supplied with an administration kit including information about the plan, claim forms and all personal articles (wallet card, pay direct drug card, and travel health card). We assist both the employer and individual employees with the completion of the applicable forms to be submitted.