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3. Do we send claims for dental or eyewear to you, or to The Co- operators? 4. I forgot to submit my claim for Extended Health or Dental Benefits. Can I still submit it? 5. What happens if I quit my job? 6. Do I need a medical doctors note for massage therapy? 7. I am enrolled in the NEBS benefit programs. How can I get claim forms? 8. I have submitted a claim for benefits. How can I get my money back sooner? 9. I am traveling outside Canada on vacation. Do I need to purchase additional accident insurance? 10. I have Dental Coverage, do I have to pay a portion of the cost of a filling?
Rates for insurance and health care plans are negotiated annually with our insurance underwriters. These rates are generally stable but can go up or down slightly from year to year. Life insurance, long term disability, accidental death, disease and dismemberment, and weekly indemnity plans provide benefits based on an individual's salary. The cost for these plans will vary by the employee's salary and the coverage chosen by the employer. Extended health care and dental services, have a fixed rate for single coverage and another rate for family coverage. The NEBS Pension Plan is legislated and employee contributions are set in the plan. The current contribution for employees is 8% of regular earnings. Employers currently contribute a matching 8%. The NEBS office can provide interested employers with exact costs for the various plans and the optional levels of coverage based on a current employee salary listing.
NEBS is a multi-employer plan, meaning we bill the employer and they are responsible to deduct from employees any premiums the employee is expected to pay. Employers set the level of contributions they will make to the cost of the insurance and health benefits plans. In cases where non-taxable benefits are chosen, employees must pay premiums. In other cases, employers may pay all, or a portion of premiums. These are decisions the employer will make with their employees based on their circumstances. For more information on the NEBS Program, call the Program Administrator at 867-873-4965.
3. Do we send claims for dental or eyewear to you, or The Co-operators? Claims are sent directly to To Co-operators. Their address may be found here.
4. I forgot to submit my claim for Extended Health or Dental Benefits. Can I still submit it? Claims must be sent to The Co-operators within one year from the date of service, to be considered for payment.
5. What happens if I quit my job? Your health benefits stop immediately. If you are a member of the pension plan, your options will be mailed to you.
6. Do I need a Medical Doctor's note for massage therapy? Yes! You must have a Medical Doctor's note, recommending massage therapy. Submit this note with your first claim and The Co-operators will keep it on file.
7. I am enrolled in the NEBS benefit programs. How can I get claim forms? Claim forms are available from your employer, or from our website.
8. I have submitted a claim for benefits. How can I get my money back sooner? You can register to have your claim reimbursements directly deposited to your bank account. It's easy and you get your money back much quicker than by mail!
9. I am traveling outside Canada on vacation. Do I need to purchase additional accident insurance? If you are a member of the NEBS Extended Health program, you are covered for Emergency Out of Canada coverage.
10. I have Dental Coverage, do I have to pay a portion of the cost of a filling? There is a yearly deductible. After that, all basic services, such as fillings, check ups, x-rays, cleanings and getting teeth pulled are 100% paid for by the NEBS dental plan, up to a maximum of $1,500 per person, per year!
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