2019 BENEFITS HIGHLIGHTS GUIDE CANADA - PETSMART BENEFITS
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2019 Benefits Highlights Guide
CanadaThis guide is intended to give a brief description of the PetSmart benefits program. Full details of the program are
set out in the legal plan documents. In the event of any discrepancy, benefits will be paid according to the terms of
the legal documents and government regulations. Manulife Financial will provide a more detailed description of
these plans to all members.
2Your Benefits At a Glance
The table below contains a brief overview of your PetSmart benefits. For more details see pages 3 and 4
of this guide and then also refer to your Manulife Employee Benefits Booklet or access it online at
http://benefits.petsmart.com under the Canada tab. If you have questions about your coverage, please
call Manulife Customer Service at 1-800-268-6195; our group/plan number is 31049.
Benefit Highlights
Extended health care benefits
Prescription drugs 90% reimbursement, dispensing fee cap of $12.00 (NEW!
Increase from $8 to 12)
• Hospital 100% reimbursement for semi-private room
accommodation
• Out-of-country emergency 100% reimbursement, to a $1 million maximum for
associate and dependents
• Professional services 80% reimbursement, to certain per calendar year
maximums
Dental care
• Preventative services (Level 1) 90% reimbursement, to certain maximums
• Major services and orthodontics 50% reimbursement, to certain maximums
Vision care
One eye exam per calendar year is covered at 100% up to $250 every 12 months (if under age 18)
100% (up to R&C maximum*) 100% up to $250 every 24 months (if over age 18)
Basic life insurance
Company-paid benefit equal to one times your annual base
salary, to a maximum of $350,000
Optional Employee life insurance
Available in units of $10,000 to a maximum of $200,000
Optional Dependent life insurance
Available in flat amounts of $10,000/spouse and
$5,000/child
Accidental death and dismemberment (AD&D)
Company-paid benefit equal to the amount of Basic Life
coverage
Short-term disability (full time salaried & hourly associates)
• Payable for 17 weeks Company-paid benefit equal to 66.67% of your weekly
earnings to the greater of $1,200 or the current maximum
weekly benefit under the Employment Insurance Act
Long-term disability (full time salaried & hourly associates)
• Payable after the first 17 weeks 60% of your monthly insured benefit to a monthly maximum
of $6,000; up to $7,500 if evidence of insurability approved.
Mandatory participation and 100% employee paid premium.
Savings and stock purchase plans
• Group Registered Retirement Savings Plan You can contribute up to your CRA limits; PetSmart will
(RRSP) match your contribution in the DPSP
• Deferred Profit Sharing Plan (DPSP) PetSmart will match your contributions, up to 4% of your
earnings.
* R&C is the average rate or charge for identical or similar services by providers in the same geographic area.
3Extended Health Care Benefits
The PetSmart Extended Health Care Benefits plan covers services and supplies typically not covered
under your provincial health care plan.
Coverage highlights Maximum coverage
Prescription Drugs
The plan pays 90% of the cost of covered generic prescription drugs. None
You pay the remaining 10%. Dispensing fee cap at $12.00/ prescription.
Show your benefits card to the pharmacist before your prescription is Note that some drugs are not included
filled. You’ll only have to pay 10% of the cost of your prescription and any in the plan – anti-smoking and anti-
excess of the $8.00 dispensing fee per prescription. The plan pays the obesity drugs, for example.
rest, right there at your pharmacy.
Hospital
The plan pays 100% of the cost of a semi-private hospital room None
Out-of-country emergency
If you become sick or injured while traveling outside Canada, 100% of $1 million lifetime maximum
your emergency health care costs are covered.
Out-of-country referral
If your doctor sends you outside of Canada for treatment of an illness or $3,000 every three calendar years
injury, the plan pays 50% of the costs for the treatment.
Professional Services
After any eligible expenses have been paid by your Provincial Health $1,000 combine practitioner, per
Plan, the plan pays 80% of the cost of the following services: calendar year
• Speech Therapist • Psychologist
NEW** No cap on per practitioner
• Masseur • Naturopath visits
• Physiotherapist • Osteopath
• Podiatrist • Chiropractor
• Acupuncture
Medical Supplies
The plan pays 80% of the cost for: • Orthopedic
Orthopedic shoesShoes $150 each calendar year
• Orthotics $500 every 3 calendar years
• Hearing aids $500 every 5 calendar years
Private duty nursing
The plan pays 80% of the cost. $10,000 each calendar year
Accidental dental
If you need dental work as a result of an accident, the plan pays 100% of None
the cost.
Vision care
The plan pays up to 100% of the cost of glasses or contacts. $250 every 12 months (if under age 18)
The plan also pays for 100% of the cost of one eye exam per year (not $250 every 24 months (if over age 18)
included in the overall vision maximum)
2019 Full-time Weekly Associate Contributions – Extended Health:
Associate Only - $3.32 + provincial sales tax
Associate + family - $8.98 + provincial sales tax
4Dental Benefits
The PetSmart Dental Plan pays for expenses up to the current year’s dental association fee guide limits.
While you’re a member of the plan, you’ll be reimbursed for all eligible expenses, up to the annual, per-
person maximum. Be sure to check if your dentist follows the current fee guide (and doesn’t charge
more). Charges exceeding the current fee guide amount cannot be reimbursed.
Basic services (Level 1 – preventative) Maximum coverage
The plan pays up to 90% of the cost of treatment. $2,500 maximum combined (with
These services include: basic level 1 preventive and major
• checkups • fillings services) per person each calendar
• extractions • minor surgery year. NEW* 6 month recall for
• some oral appliances such as • denture repair (rebase and cleaning
space maintainers reline)
Basic services (Level II – supplementary)
The plan pays up to 80% of the cost of treatment. $2,500 maximum combined (with
These services include: basic level 1 preventive and major
• oral surgery (not included in Level 1) services) per person each calendar
• periodontics (gum work) year
• endodontics (root canals)
Major services (Level III & IV)
The plan pays up to 50% of the cost of treatment. $2,500 maximum combined (with
These services include: Basic Levels I & II Services) per
• dentures person each calendar year
• crowns
• bridges
Orthodontics (Level V)
The plan pays up to 50% of the cost of treatment NEW**$2,000 per person lifetime
Orthodontics include: maximum
• braces
• retainers
2019 Full-time Weekly Associate Contributions - Dental:
Associate Only - $2.09 + provincial sales tax
Associate + family - $6.26 + provincial sales tax
5Costs for Long Term Disability and Optional Life Insurance Coverages (Associate Paid – please
add provincial sales tax)
Long-term disability
Full-time Hourly and Salaried associates $2.898 per $100 of monthly insured benefit
Optional Employee Life Rate Table
Monthly rates per $1,000 of benefit:
Age Band Smoker Non-Smoker
Under 30 0.078 0.058
30 – 34 0.077 0.050
35 – 39 0.111 0.071
40 – 44 0.189 0.119
45 – 49 0.339 0.205
50 – 54 0.574 0.348
55 – 59 0.981 0.595
60 – 64 1.618 0.993
Optional Dependent Life Rate
Monthly rate is $2.296 for spouse and/or child(ren) coverage
6PERSONAL BENEFITS - OPTIONAL
Personal Benefits
Personal Benefits offer Life and Critical Illness coverage that’s affordable, portable and available to you,
your spouse and your children. This is a stand-alone product and is not part of your PetSmart group
benefits. Since you purchase this coverage directly from Manulife, it moves with you even if you leave
PetSmart. Your Personal Benefit contract is between you and Manulife Financial.
Personal Life Insurance
This benefit provides additional coverage above and beyond your Basic Group Life Insurance and allows
you to choose the amount of coverage that fits your circumstances.
➢ Up to $25,000 of term life insurance for you and your spouse without medical information.
➢ A maximum of $500,000 may be purchased by providing additional medical information.
➢ Child Life coverage is a flat amount of $20,000 per dependent child.
Personal Critical Illness
This benefit provides a lump sum payout if and when a critical illness strikes,and can provide income
replacement or funds to cover healthcare costs when you need it most. Survival rates for critical
illnesses have improved, but the risk of being affected by one remains high.
➢ Covers 22 medical conditions for you and your spouse.
➢ You can purchase up to $25,000 of coverage without providing medical information.
➢ A maximum of $150,000 may be purchased by providing medical information.
➢ Child Critical illness covers 15 childhood medical conditions and coverage is a flat amount of
$10,000 per dependent child.
For more information about Personal Benefits, please call Manulife Customer Service Centre at 1-800-
268-6195 or visit www.manulife.ca/mypersonalbenefits.
Provincial Contact Information
Your provincial health care plan provides basic health coverage. Typical items covered under the plan
are ward hospital accommodation in Canadian hospitals and doctors’ fees. Where applicable, PetSmart
pays the provincial premiums and payroll taxes associated with your provincial health care plan. Your
PetSmart Extended Health Care benefits plan supplements your provincial health care plan, including
reimbursement for prescription drugs. To be eligible for supplementary health insurance, you must be
insured under the provincial hospital plan of your province of residency.
Province Contact Website
Alberta Edmonton: 1-780-427-1432 www.health.gov.ab.ca
Calgary: 1-403-297-6411 www.health.gov.ab.ca
British Columbia Within British Columbia: www2.gov.bc.ca/gov/content/home/contact-us
Victoria 1-250-387-6121
Vancouver 1-604-660-2421
Elsewhere in BC 1-800-663-7867
Outside British Columbia: www2.gov.bc.ca/gov/content/home/contact-us
1-604-660-2421
Manitoba 1-204-786-7101 www.gov.mb.ca/health
New Brunswick 1-506-457-4800 www.gnb.ca
Newfoundland 1-888-709-2929 www.health.gov.nl.ca/health
Nova Scotia 1-800-670-4357 www.gov.ns.ca/lae/employmentrights
Ontario 1-800-268-1154 www.gov.on.ca/health
Prince Edward Island 1-902-368-6130 www.gov.pe.ca/labour
Saskatchewan 1-800-667-7581 Or 1-306- www.health.gov.sk.ca
787-3317
7Benefits Contact Information
Listed below is the benefits contact information for various providers, including telephone
numbers and web sites. This information is also available on benefits.petsmart.com; then
click on the Canada tab for a menu of options.
Manulife Financial; Group #31049 1- 800 -268-6195
Medical, dental, life insurance, disability
claim information and claims status www.manulife.ca/groupbenefits
Employee Assistance Program (EAP) 1- 855-201-3843
Confidential counseling Guidanceresources.com
Web ID: PetSmart
Retirement savings plan and profit sharing
plan (RRSP) 1- 800 -724-3402
Retirement savings plan transactions www.grsaccess.com
Other programs/discounts benefits.petsmart.com
click on the Canada tab
PetSmart Human Resources & Benefits
Team
Caroline Baird – Human Resources Director - (289)313-6308
Canada cbaird@petsmart.com
Jane Lawson – HRSS Manager - Canada (289)313-6324
jalawson@petsmart.com
289-313-6341
Priti Dsouza – Payroll and Benefits Specialist pdsouza@petsmart.com
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