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We're excited to share the convenient solutions and services available to help you achieve your health and wealth goals.
If you have questions, call us at 1-888-488-2356.
Your group benefits
New to EXP? Enrol in group benefits. Life event? Review and make changes to your group benefits plan.
New to EXP or not yet participating in the RRSP and DPSP? Join now by following the easy steps in the Group Retirement Plan Enrolment Guide.
My Canada Life at WorkTM
Access your group benefits (including Consult+) and retirement plan information at your convenience through Canada Life’s member site My Canada Life at Work.
Consult+ lets you talk to healthcare professionals for non-urgent medical care. You can use it anywhere you’re comfortable talking through chat, video or phone call.
With Consult+ you get:
- 24/7 access to medical professionals
- Help for non-urgent health conditions
- Prescriptions and refills for most medications
- Self-led therapy for mild and moderate depression and anxiety
- Requisitions for lab tests and follow-up test results, when medically needed
To use Consult+, you need to create an account with your plan number and member ID
Create your account now – so it’s ready when you need it!
Sign in to My Canada Life at Work, go to Benefits > Coverage and balances and select your Health coverage > Other benefits. You can download the Consult+ app to your mobile device.
Tips to create your Consult+ account:
- You’ll need your plan number and member ID. So have your benefits card handy.
- Enter your name exactly how it appears in your profile on mycanadalifeatwork.com
Following enrolment, your benefits card will be sent via internal mail at EXP. Your card lists your plan number, member ID, and is your pay direct drug card and travel assistance card all-in-one. Make sure your pharmacist and other medical care providers know your group benefits plan is with Canada Life.
As Canadians, we enjoy access to universal health care but some services like dental may not be covered. This is where your group benefits plan comes in.
[MUSIC PLAYING]
Narrator: In Canada, there are two kinds of benefits plans that can help you and your family afford the health care you need.
Description: Phil and Jean stand with their two children.
Narrator: One is your provincial health care plan.
Description: Cut to map of Canada with health plus signs floating from each province.
Narrator: The other is your employer’s group benefits plan, which often covers many things your provincial health care doesn’t.
Description: One plus sign floats up and a shield is drawn around, representing benefits coverage.
Narrator: Your provincial plan may not provide full coverage for medication for high blood pressure, diabetes or other serious illnesses.
Description: A pill bottle enters into frame, joined by two more. Text appears beside: “High blood pressure, diabetes or other serious illnesses.
Narrator: Then there’s dental and other health services like massage or physiotherapy, that may not be covered either.
Description: Cut to icons of a dentist, massage therapist and physiotherapist. Phil’s hands enter frame, holding a phone and using the GroupNet for plan members app.
Narrator: Without your Canada Life benefits plan, money to pay for all those things might have to come out of your own pocket.
Description: Cut to a wallet. The wallet opens.
Narrator: And it could add up to hundreds or thousands of dollars every year.
Description: Text that reads $100 comes from the wallet. A comma and 0 are added to read $1,000.
Narrator: With Canada Life group benefits,
Description: Phil’s hand and phone return. The GroupNet coverage screen is shown.
Narrator: you know we’re here to help when you and your loved ones need it most.
Description: Cut to Phil and his daughter in living room. The daughter has a toothache.
Narrator: Whatever life throws at you, we have you
Description: Cut to dentist’s office. Phil holds his daughter’s hand and shows the GroupNet app on his phone to the receptionist.
Narrator: and your family covered.
Description: Fade to Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.
As Canadians, we enjoy access to universal health care but some services like dental may not be covered. This is where your group benefits plan comes in.
[MUSIC PLAYING]
Narrator: You may be wondering why we encourage our members to choose generic drugs.
Description: Jean stands in her bathroom looking at an empty pill bottle.
Narrator: Generic drugs can cost up to 20% less than the brand name version.
Description: The pill bottle enters into frame; text appears beside that reads “20%” less.
Narrator: Brand name drugs are more expensive because it costs drug companies a lot to develop new products.
Description: Cut to a beaker on a table, money falls in from above. The beaker fills with liquid.
Narrator: Once a new drug is developed, the company can obtain a patent - the exclusive right to make and sell it for a certain period of time.
Description: An eyedropper samples the liquid and transforms into a pill. The pill, along with others falls into a lock. The lock is secured.
Narrator: When the patent expires, other companies can produce generic versions.
Description: Time passes. The lock opens, and generic drugs are produced.
Narrator: Since generic manufacturers don’t need to invest as much in research and development, their prices can be much lower.
Description: The beaker returns, less money falls in. The beaker fills with less liquid.
Narrator: Generic drugs can be just as effective as the brand name version.
Description: Cut to two pill bottles that look the same. An equal sign falls in between.
Narrator: To have Health Canada approval, a generic drug must include the same quality medicinal ingredients as the brand name version.
Description: A maple leaf flies by as s checkmark appears. Text beside reads “Same ingredients, same quality.”
Narrator: The drug also has to be absorbed by the body the same way.
Description: Text continues: “Same requirements.”
Narrator: Non-active ingredients like fillers or colouring can be different. But they can’t change the drug’s effectiveness.
Description: A line of test tubes appear. They fill with different coloured liquids.
Narrator: Sometimes, both manufacturers buy ingredients from the same suppliers.
Description: One test tube is removed, the liquid pours equally into two beakers.
Narrator: Another way to cut the cost of your prescription is by shopping around.
Description: Cut to view of city, location pins appear above.
Narrator: Pharmacies have different dispensing fees, mark-ups and other costs. Find the pharmacy that gives you the most affordable option.
Description: Location pins morph into different costs. The most affordable is highlighted.
Narrator: You can also request a three-month supply of your medications, rather than one month at a time. This way you’ll only pay one dispensing fee instead of three.
Description: One pill bottle returns, joined by two others. Each bottle has their own fee. A line connects the three and the fee is shared.
Narrator: These are all ways you can save money
Description: Return to Jean at the pharmacy, refilling her prescription.
Narrator: and help keep your company’s drug plan affordable for everyone.
Description: Fade to Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.
[MUSIC PLAYING]
Narrator: You may be wondering why we encourage our members to choose generic drugs.
Description: Jean stands in her bathroom looking at an empty pill bottle.
Narrator: Generic drugs can cost up to 20% less than the brand name version.
Description: The pill bottle enters into frame; text appears beside that reads “20%” less.
Narrator: Brand name drugs are more expensive because it costs drug companies a lot to develop new products.
Description: Cut to a beaker on a table, money falls in from above. The beaker fills with liquid.
Narrator: Once a new drug is developed, the company can obtain a patent - the exclusive right to make and sell it for a certain period of time.
Description: An eyedropper samples the liquid and transforms into a pill. The pill, along with others falls into a lock. The lock is secured.
Narrator: When the patent expires, other companies can produce generic versions.
Description: Time passes. The lock opens, and generic drugs are produced.
Narrator: Since generic manufacturers don’t need to invest as much in research and development, their prices can be much lower.
Description: The beaker returns, less money falls in. The beaker fills with less liquid.
Narrator: Generic drugs can be just as effective as the brand name version.
Description: Cut to two pill bottles that look the same. An equal sign falls in between.
Narrator: To have Health Canada approval, a generic drug must include the same quality medicinal ingredients as the brand name version.
Description: A maple leaf flies by as s checkmark appears. Text beside reads “Same ingredients, same quality.”
Narrator: The drug also has to be absorbed by the body the same way.
Description: Text continues: “Same requirements.”
Narrator: Non-active ingredients like fillers or colouring can be different. But they can’t change the drug’s effectiveness.
Description: A line of test tubes appear. They fill with different coloured liquids.
Narrator: Sometimes, both manufacturers buy ingredients from the same suppliers.
Description: One test tube is removed, the liquid pours equally into two beakers.
Narrator: Another way to cut the cost of your prescription is by shopping around.
Description: Cut to view of city, location pins appear above.
Narrator: Pharmacies have different dispensing fees, mark-ups and other costs. Find the pharmacy that gives you the most affordable option.
Description: Location pins morph into different costs. The most affordable is highlighted.
Narrator: You can also request a three-month supply of your medications, rather than one month at a time. This way you’ll only pay one dispensing fee instead of three.
Description: One pill bottle returns, joined by two others. Each bottle has their own fee. A line connects the three and the fee is shared.
Narrator: These are all ways you can save money
Description: Return to Jean at the pharmacy, refilling her prescription.
Narrator: and help keep your company’s drug plan affordable for everyone.
Description: Fade to Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.
Find out how the typically lower fees of your group plan can help your money grow.
[MUSIC PLAYING]
Narrator: Joining your group retirement and savings plan is an easy way to save.
Description: Jean relaxes in an armchair. Her piggy bank runs in from behind the chair and leans on her ankles.
Narrator: Your group retirement savings plan (RSP)
Description: Cut to Jean’s hand holding a coin. The coin is dropped into the piggy bank.
Narrator: can help you pay less income tax today because your contributions are tax deferred.
Description: The piggy runs out of frame and a paper with a percentage sign falls behind. A portion of the paper is cut with a scissors.
Narrator: That means you won’t pay tax on contributions
Description: The paper falls back into the piggy bank, followed by more coins. A clock moves into frame and time passes.
Narrator: until you take them out later in life when your income and tax rate will likely be much lower.
Description: Cut to line graph showing age from 20 to 90. Income rises until retirement at 65, then decreases afterwards.
Narrator: You’ll also usually pay lower investment management fees (services needed to manage the fund) than an individual plan.
Description: Cut to down arrow beside price tag with percentage sign. They separate to show one person.
Narrator: because they’re shared among a large group, instead of paying them on your own.
Description: One person is compared to a group with a bar graph. The individual has higher fees.
Narrator: Both of these benefits – tax deferral and lower fees,
Description: Cut to paper with percentage beside a price tag with percentage.
Narrator: help you make the most of your group retirement and savings plan.
Description: Return to Jean in armchair with piggy bank. She pets the bank as its tail wags.
Narrator: Get started today at GRS Access.Description:
Text “Sign into GRS Access at canadalife.com” appears with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.
[MUSIC PLAYING]
Narrator: Joining your group retirement and savings plan is an easy way to save.
Description: Jean relaxes in an armchair. Her piggy bank runs in from behind the chair and leans on her ankles.
Narrator: Your group retirement savings plan (RSP)
Description: Cut to Jean’s hand holding a coin. The coin is dropped into the piggy bank.
Narrator: can help you pay less income tax today because your contributions are tax deferred.
Description: The piggy runs out of frame and a paper with a percentage sign falls behind. A portion of the paper is cut with a scissors.
Narrator: That means you won’t pay tax on contributions
Description: The paper falls back into the piggy bank, followed by more coins. A clock moves into frame and time passes.
Narrator: until you take them out later in life when your income and tax rate will likely be much lower.
Description: Cut to line graph showing age from 20 to 90. Income rises until retirement at 65, then decreases afterwards.
Narrator: You’ll also usually pay lower investment management fees (services needed to manage the fund) than an individual plan.
Description: Cut to down arrow beside price tag with percentage sign. They separate to show one person.
Narrator: because they’re shared among a large group, instead of paying them on your own.
Description: One person is compared to a group with a bar graph. The individual has higher fees.
Narrator: Both of these benefits – tax deferral and lower fees,
Description: Cut to paper with percentage beside a price tag with percentage.
Narrator: help you make the most of your group retirement and savings plan.
Description: Return to Jean in armchair with piggy bank. She pets the bank as its tail wags.
Narrator: Get started today at GRS Access.Description:
Text “Sign into GRS Access at canadalife.com” appears with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.
Group savings insights
Getting started
What does your financial future look like? Keep a destination in mind and a realistic set of goals. Start here if you’ve recently started investing or just joined a plan.
Getting serious
When you been investing or in a plan for a while, arm yourself with knowledge and prepare for the future.
Getting close
When you're getting ready to retire, you may have questions about where you’ll get your retirement income.
Working Through It™ is a video-based resource to help you maintain well-being at work, off work or when returning to work. It focuses on video interviews with real people sharing their experiences of working through times of mental health pressures.