Who Is Eligible

Segal’s Canada Benefits Program allows you to design a comprehensive benefits plan to meet your and your family’s personal needs.

Supplemental healthcare benefits

In general, you are eligible to participate in Segal’s Canada supplemental healthcare benefits if you are a Canada resident and a full‑time or part‑time employee regularly scheduled to work at least 60% of your office’s standard work hours. Special project workers (SPWs), interns and independent contractors are not eligible. Supplemental healthcare benefits include extended healthcare, Healthcare Online and dental care benefits. For extended healthcare benefits and Healthcare Online, you must be insured under a provincial plan.

If you are eligible for supplemental healthcare benefits, you may also enroll your eligible dependents, subject to plan rules. Eligible dependents include your spouse and/or child who is a resident of Canada and insured under the provincial plan where:

• Your spouse is your legal spouse, or the person who has been continuously living with you in a role like that of a marriage partner for at least 12 months.
• Your child is your natural or adopted child, stepchild living with you or other child who is unmarried, solely dependent on you for support, not employed on a full-time basis, not eligible for insurance as an employee under this or any other group policy, and either under 21 years of age or, if a full-time student at an accredited school, college or university, under 25 years of age.

Additionally, a covered child, who is incapacitated due to a mental or physical disability on the date he or she reaches the age when he or she would otherwise cease to be an eligible dependent, will continue to be an eligible dependent.

Your supplemental healthcare benefits coverage is effective on the first of the month that is closest to the date upon which you complete six weeks of continuous service with Segal.

Your eligibility for benefits generally ends on the day on which any of the following occurs:

• Your employment with Segal terminates.
• You no longer meet the eligibility requirements.
• The applicable benefit plan or program is terminated.

However, you are eligible to continue company-provided supplemental healthcare benefits in retirement if you are a retired employee who retired on or after age 55 with at least 10 years of service with the company and were eligible to immediately begin collecting your early or normal retirement pension from the Segal pension plan, except that dental care benefits are only offered to retirees under age 65.

Life and disability insurance

In general, you are eligible for life and disability insurance coverage if you are a Canada resident and a full‑time or part‑time employee regularly scheduled to work at least 60% of your office’s standard work hours. Special project workers (SPWs), interns and independent contractors are not eligible.

Your life and disability insurance benefits coverage is effective on the first day of the month following six weeks of continuous employment with Segal. Short-term disability/salary continuation coverage is effective the first day of the month coincident with or following one month of continuous employment.

Your eligibility for life and disability insurance benefits coverage generally ends on the day on which any of the following occurs:

• Your employment with Segal terminates.
• You no longer meet the eligibility requirements.
• You do not make contributions required for your coverage.
• The applicable benefit plan or program is terminated.

Pension plan

If your hire date is on or after January 1, 2014, you are eligible to participate in the pension plan on the first day of the month coincident with or immediately following the completion of:

• 24 months of continuous service if affected by Applicable Legislation of Ontario, Nova Scotia, British Columbia or Alberta, or
• The calendar year in which you have earnings of at least 35% of the Year’s Maximum Pensionable Earnings (YMPE) or 700 hours of employment, whichever is less, if affected by Applicable Legislation of Quebec.

You may elect not to participate in the pension plan by notifying Segal in writing on or before the date you become eligible for participation. Once you become a participant you may not cease your participation prior to your termination of employment with Segal.

Your credited service for the pension plan generally ends on the date on which any of the following occurs:

• Your employment with Segal terminates.
• You no longer meet the eligibility requirements under the pension plan.
• The pension plan is terminated.

Profit sharing

If you are in active employment with Segal at the end of the year for which payment is made and still in active employment on the date payment occurs, you would be eligible to receive a cash contribution based on your participation in the benefit. Participation begins on your date of employment and is automatic.