Canada Life Psychotherapy Coverage

Canada Life Counselling Coverage

Canada Online Therapy offers Canada Life Online Therapy, Canada Life Counselling, Canada Life Therapy coverage.

We provide an RCT, Registered Counselling therapy that is the equivalent of a licensed Canada Life psychotherapist for mental health services.

If you are looking for a Canada Life eligible provider, Canada Life therapist, for psychotherapy and counselling to claim your Canada Life individual benefits, you have come to the right place.

If you are looking for a Registered Clinical Counsellor for children, adults, couples, family therapy who is and is compatible with your Canada Life benefits, please consider contacting us.

We offer Canada Life therapy specializing in, partnering with, Canada Life benefits, Canada Life health insurance.

If you carry Canada Life work benefits, Canada Life extended health benefits for individual, couples, family or group therapy, please consider Canada Online Therapy.

For your Canada Life therapy coverage, Canada Life individual benefits, Canada Life personal benefits, please think of, Canada Online Therapy.

Canada Life Counselling Coverage

Canada Life provides a "Find a Provider" option on their website to search for providers directly.
They list Lee Park under "Psychotherapists" in Nova Scotia.

https://www.canadalife.com/insurance/workplace-benefits/eclaims-provider-listing.html

Sample Canada Life Benefits at a Glance

Here is a below linked example, Benefits at a glance from Canada Life website dated June 2024, provides an overview of the group benefits plan for employees of EXP Services Inc., administered primarily by Canada Life.  

The EXP Services Inc. group benefits plan, administered by Canada Life, is a flexible options-based package covering life and accidental death insurance, short- and long-term disability, healthcare; including mental health via RCTs/psychotherapists, and dentalcare. Unused flex credits may be allocated to a Health Care Spending Account HCSA.

For the most accurate and up-to-date look at your specific plan, coverage maximums, and eligible professionals, check the My Canada Life at Work portal. Review your exact coverages, balances, and deadlines via the My Canada Life at Work portal.

This sample Canada Life plan covers the following key areas:

Life Insurance: Employees have three options for basic life insurance,100%, 200%, or 300% of annual salary. Optional life insurance is available for employees, spouses, and children, subject to evidence of insurability.  It continues to delinate Accidental Death and Dismemberment AD&D: Optional AD&D coverage is available and is administered by SSQ. In short, Life & AD&D Insurance: Basic life up to $50,000 or a percentage of your choice of your annual salary. Optional life and dependent life are subject to insurability.

Disability Benefits: 

STD, Short-Term Disability: Salary continuation for 17 weeks, following a 7-day waiting period. 

LTD, Long-Term Disability: Two coverage options providing monthly benefits based on salary percentages, with a 17-week waiting period, usually covering approximately 50% to 85% of your income.

EHC, Extended Health Care

EHC Extended Health Care: Four coverage options are available, varying by deductibles, reimbursement levels for example: drugs, vision care, out-of-country care, and maximums. 

This sample Canada Life coverage also includes access to Consult, a virtual medical clinic for non-urgent situations. Please look for Consult+ when you look for this in your online portal. This is where you look for information pertaining to mental health services:

Extended Health Care, EHC: Mental health services

Mental Health Care services such as visits to a RCT, Registered Counselling Therapist/psychotherapist—typically fall under the Health Services category of your EHC plan. Your specific coverage e.g., the annual dollar maximum, the percentage reimbursed, and the types of licensed professionals covered) is dictated by which of the four EHC options you or your employer choses.

Please check your specific plan under your My Canada Life at Work portal.

If your employer chose plans that are a Flex plan, the specific dollar amounts for Extended Health Services may vary; checking under your Coverage and Balances page puts you in the driver's seat for their own financial planning according to your health needs and priorities.

Health Care Spending Account (HCSA): Employees can use excess flex credits for expenses; unused amounts carry over for one plan year. 

Dentalcare: Four options are provided for basic, major, and orthodontic services, with payment based on the dental fee guide of the employee's province of residence. Four tiers for basic, major, and orthodontic services. Reimbursement is based on the dental fee guide in your province of residence.

Survivor Benefits: In the event of an employee's death, healthcare and dentalcare benefits continue for dependents for 6 months. 

Plan Management: The plan follows a specified annual enrolment period.  

Changes can be made outside of the enrolment period if a "life event" (e.g., marriage, birth, divorce) occurs, provided contact is made within 31 days. 

Certain options, such as Option 4 dental coverage, have a 2-year lock-in period.      

This document serves as a summary. Please note we are a psychotherapy and counselling expert not an insurance expert. The full terms and conditions are found in your official booklet and online contract.

References

Canada Life. (2024). EXP Services Inc.: Your benefits at a glance (Report No. 79-00739-06-24).

Original document link: https://www.welcome.canadalife.com/content/dam/rfp/welcome-sites/exp/EXP-benefits-at-a-glance-06-24-en.pdf

Lee Park, RCT 25-002, MACP, BPsych Hons

Owner, Canada Online Therapy

www.canadaonlinetherapy.com

[email protected]

canadaonlinetherapy.janeapp.com

Call/text: (514) 746 4673 

Fax: (800) 808 6629

Canada Life Counselling Coverage
FAQ

Canada Life Counselling Coverage
Appointment Requests are Open for New Clients