Welcome to Liberty!
Health - All Eligible Employees (Classes 1-4)
- Class 1 - All Regular Full-time Employees
- Class 2 - All Vice Presidents & Sr. Vice Presidents
- Class 3 - All Directors & Sr. Directors
- Class 4 - Benefit Eligible Contract Employees on Payroll
Your group health insurance benefits share a major role with government sponsored health care to ensure you and your eligible dependents have access to proper care when you need it. Your group health insurance benefits build on the minimum universal standard of care provided by provincial/territorial health plans. Liberty is proud to offer all eligible employees and their eligible dependents comprehensive health coverage. This coverage includes, but is not limited to:
- Prescription Drug Coverage
- Vision Care (Eye Exams, Glasses, Contacts, Laser Surgery)
- Paramedical Services (Acupuncturist, Chiropractor, Dietician, Massage Therapist, Naturopath, Osteopath, Physiotherapist, Podiatrist/Chiropodist, Psychologist/Social Worker/Clinical Counsellor and Speech Therapist, Chiropractor)
- Hospital Coverage
- Hearing Aids
- Orthotics
- Diabetic Supplies
- Medical Equipment
- Out-of-Country Emergency Coverage
Your health plan includes out of country coverage, but there are restrictions. Before you travel, connect with the travel assistance helpline to understand any potential limitations. If you and/or your covered dependents are out of the country and require emergency health service or if you need to file a claim for an emergency out-of-country service, please contact the travel assistance helpline. The helpline is available 24 hours. If you are in Canada or the US call the toll-free number: 1-800-321-9998. If you are anywhere else in the world, call collect: 519-742-3287.
Please refer to your benefits booklet for greater detail.
Flexible Spending Accounts (Classes 1-4)
Liberty employees enrolled in the Liberty group health plan through Equitable Life are also provided with flexible spending account dollars. These flexible spending dollars can be allocated between two types of accounts: A Heath Care Spending Account (HCSA) or a Taxable Spending Account (TSA).
The HCSA reimburses eligible medical and dental expenses that are not reimbursed by your regular benefits program and that are deemed eligible for the medical expense tax credit per Canada Revenue Agency: for example, prescription medications, paramedical services, vision care, medical equipment, dental care, etc. A complete list of HSA eligible expenses can be found at http://www.cra-arc.gc.ca/medical/.
The TSA provides you with greater flexibility by reimbursing eligible expenses that are not covered through the traditional Group Benefits Plan and are not eligible for the medical expenses tax credit per Canada Revenue Agency. You will be able to submit these claims through Equitable Life and receive payment through direct deposit. Any expenses reimbursed though the TSA are considered a taxable benefit and will be reported on your year-end tax form. Examples of eligible items are listed below.
- Fitness expenses; gym memberships, personal trainer, sports registration fees
- Day Care expenses; childcare, field trips, nanny
- Education expenses; professional courses, books, tuition, computer, and software
- Health expenses; heating pad, sunscreen, thermometer
- Dental expenses; cosmetic dentistry, toothbrushes, whitening strips
If you have a single health plan with Liberty, your annual flexible spending amount will be $150. If you have family coverage, the annual amount is $300. You will be able to decide how you would like to split your funds between the two accounts: all in HCSA, all in TSA or a split between the two accounts. You will need to make an allocation every year and a survey will be sent out for you to indicate how you would like to allocate your funds. If the survey is not completed, funds will be defaulted to the HCSA.
Individuals hired after January 1 in the calendar year will have their flexible spending funds prorated based on their date of hire. Also, new hires will have their prorated funds defaulted to the HCSA during their year of hire and will be able to allocate funds between the two accounts for the first of the following calendar year after their hire date.
Any allocated and unused funds granted to either account during a calendar year will be carried over to the same account type the following calendar year only. These carried over funds, along with the current year allocation, can be used for expenses incurred during the current year. The carried over funds will be utilized first for any claims submitted and will not carry forward for subsequent years. In each calendar year, the first 90 days are considered the grace period which allows you to submit any claim expenses from the previous year.
You can submit your flexible spending claims online, through the mobile app or by mail.
Dental - All Eligible Employees (Classes 1-4)
- Class 1 - All Regular Full-time Employees
- Class 2 - All Vice Presidents & Sr. Vice Presidents
- Class 3 - All Directors & Sr. Directors
- Class 4 - Benefit Eligible Contract Employees on Payroll
Your group dental benefits plan pays for dental services by type of care, which are basic (preventative or routine care), major restorative and orthodontic services. These services include but are not limited to:
Basic Services:
- Diagnostic procedures including dental exams, recall exams, x-rays and laboratory reports.
- Preventative procedures such as teeth cleaning, polishing, light scaling, topical fluoride/sealants and other preventative procedures.
- Major Surgical Services
- Minor treatment to restore the functional use of natural teeth through the use of amalgam, silicate, acrylic and composites, pit and fissure sealants. Repair may be for damage due to wear and decay.
- Periodontal services
- Endodontic services
Major Restorative:
- Dentures
- Crowns Orthodontic Services:
- Orthodontic services are limited to dependent children under the age of 18
Please refer to you benefits booklet for greater detail.
Basic Life and Accidental Death & Dismemberment (AD&D) Insurance
- Class 1 - All Regular Full-time Employees
- Class 2 - All Vice Presidents & Sr. Vice Presidents
- Class 3 - All Directors & Sr. Directors
- Class 4 - Benefit Eligible Contract Employees on Payroll
Your family depends on your income for a comfortable lifestyle and for the resources necessary to make their dreams—such as college education—a reality. Like anyone, you do not like to think of the scenario where you are no longer there for your family. Fortunately, Liberty provides basic life and AD&D coverage for all regular full-time employees, at no cost to you.
Basic Life Insurance (Class 1-4)
- Employees in benefits class 1 and 3, your life insurance benefit is equal to two times your annual salary to a maximum of $300,000.
- Employees in benefits class 2, you life insurance benefit is equal to two times your annual salary to a maximum of $500,000.
- Employees in benefits class 4, you life insurance benefit is a fixed volume of $25,000.
Basic AD&D (Class 1-3)
AD&D insurance provides coverage in the event of an accident which may result in the death of an employee, the loss of limb or other severe injury, such as loss of hearing or sight.
- Employees in benefits class 1, your life insurance benefit is equal to two times your annual salary to a maximum of $300,000.
- Employees in benefits class 2, your life insurance benefit is equal to two times your annual salary to a maximum of $700,000.
- Employees in benefits class 3, your life insurance benefit is equal to two times your annual salary to a maximum of $400,000.
Disability
If you are out of work due to a disabling injury or illness, disability insurance is designed to replace a portion of your income, and help you maintain your lifestyle. Benefits from a disability plan can supplement lost income to help pay expenses such as mortgage or rent payments, utility bills and other household expenses. Liberty provides both short-term and long-term disability.
Short Term Disability (STD) (Class 1 &3)
The payment of short-term disability insurance benefits begins after a specified number of days, which is referred to as the elimination/waiting period. The length of the elimination/waiting period is 7 calendar days and if approved, your STD claim will begin on day 8 of your leave.
If you are unable to work due to an eligible injury or illness, the STD benefit pays 75% of your base weekly pay up to a non-evidence maximum benefit of $1,500 per week for employees in benefits class 1 or $2,000 for employees in class 3. The benefit period for STD is a maximum of 17 weeks.
Long Term Disability (LTD) (Class 1-3)
LTD insurance helps to protect your finances when your disability continues beyond the period covered by the STD plan.
In the event you are unable to work due to a long-term illness or injury, LTD insurance provides you with 66.67% of the first $3,000 of your monthly base earnings plus 50% of the remaining base earning.The maximum non-evidence maximum is $8,700 per month.
Liberty is happy to provide employees the option of buying optional life insurance, critical illness and accidental death and dismemberment (AD&D) insurance for you and your eligible dependents. Critical illness is not available to dependent children. Any additional coverage you purchase will be billed directly to you by Canada Life. These coverage options would be in addition to the coverage you have in place under Liberty’s group benefit plan with Equitable Life.
To obtain your individualized quote, please click the button below and use the credentials found on the MyHR intranet site to login
Employee:
- Life Insurance: If you sign up for Portable Life Insurance in the first 31 days of your effective date on the Liberty Group Benefits plan, then you can obtain the first $100,000 of Life coverage with no requirement for a medical exam.
- After the first 31 days, you are eligible for the first $25,000 of Life coverage with no medical exam
- Life Insurance is available up to a $1,000,000 maximum.
- Critical Illness: The first $25,000 of Critical Illness coverage can be purchased with no medical evidence required. Critical Illness is available up to a $250,000 maximum.
- AD&D Insurance: Is available up to a $250,000 maximum with no requirement for medical evidence for any amount purchased.
Spouse:
- Life Insurance: You can purchase up to a $1,000,000 maximum.
- Please note the purchase of additional Life coverage for your spouse will require medical exams/evidence for any amount purchased.
- Critical Illness: You can purchase up to a $250,000 maximum.
- Please note the purchase of Critical Illness for your spouse will require medical exams/evidence for any amount purchased.
- AD&D Insurance: You can purchase up to 40% of the coverage purchased by an employee with no requirement for medical evidence for any amount purchased.
Dependent Children:
- Life Insurance: You can purchase up to a $15,000 maximum.
- Please note the purchase of additional Life coverage for your dependent children will require medical exams/evidence for any amount purchased.
- Critical Illness: Not available for dependent children.
- AD&D Insurance: You can purchase up to 5% of the coverage purchased by an employee with no requirement for medical evidence for any amount purchased.
Defined Contribution Pension Plan (DCPP)
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Summary of Defined Contribution Pension Plan
A Defined Contribution pension plan is a registered pension plan (RPP) to assist employees to save for retirement.
Liberty’s non-contribution Defined Contribution Pension Plan contributes 2% of your earnings to your pension plan. Eligible members are required to participate in the pension plan.
Employee Additional Contributions- In addition to the employer contribution, employees can elect to make additional contribution. Employees have the flexibility to make an additional contribution of 2% of Earnings either to the Plan or the Registered Retirement Savings Plan (RRSP) or the Tax-Free Savings Account (TFSA). The 2% employee contribution cannot be split between plans. Liberty will match it two times for a total additional contribution of 4 %. This means you can receive a total of 8% contribution (6% Employer + 2% Employee Contribution). Employer Match contributions are made to your DC plan, regardless of which plan you deposit your 2% contribution into.
| Employee Contribution (DC, RRSP OR TFSA) | Employer Contribution CORE (DC Plan) | Employer Contribution Match (DC Plan) | TOTAL CONTRIBUTION |
| 0% | 2% | 0% | 2% |
| 2% | 2% | 4% | 8% |
The contributions are held at Desjardins Financial and investment instructions are determined by the employee. Employees are required to set up an account with Desjardins Financial to have their contributions deposited to their selected investment fund(s). Retirement Income is determined based on employer contributions, optional employee contributions and the investment earnings on those contributions.
Please refer to the attached enrollment guide or videos on accessing your account.
Your Desjardins accounts offers access to:
- Account balance
- Investments
- Voluntary Savings Plan
- Beneficiary/(ies) detail
- Wellness Centre to identify retirement savings needs and on demand services
Employees have the option to transfer their funds from their previous Pension/Savings Plan to the Liberty plan. Completed forms must be submitted directly to Desjardins to process.
Participant Contact Center Number: 1-800-968-3587
Pension funds are subject to provincial pension legislation. Your province of employment determines your legislation.
In the event of a discrepancy between this summary and the Plan Text, the Plan Text applies. Plan text are provided by request.
Registered Retirement Savings Plan & Tax-Free Savings Account
Registered Retirement Savings Plan (RRSP)
A Registered Retirement Savings Plan (RRSP) is a savings plan, registered with the Canadian federal government that you can contribute to for retirement purposes. When you contribute money to a RRSP, your funds are "tax-advantaged", meaning that they're exempt from being taxed in the year you make the contribution.
Contributions to this plan are 100% employee paid. There is no employer match. You can contribute up to annual contribution limits set by the Canada Revenue Agency (CRA). If you don't reach your limit, your unused contribution room is carried forward to the next year.
You can also make contributions to a plan for your spouse.
Tax-Free Savings Account (TFSA)
A Tax-Free Savings Account (TFSA) is a registered plan that provides a flexible way to save. You can use the account to put aside money free of tax for your goals throughout life or set up an emergency fund, to name a few uses. Since TFSA withdrawals aren't taxable, more money stays in your pocket.
Contributions to this plan are 100% employee paid. There is no employer match. You can contribute up to the annual contribution limit set by the Canada Revenue Agency (CRA). If you don't reach your limit, your unused contribution room is carried forward to the next year.
Employee Share Purchase Plan (ESPP)
The Employee Share Purchase Plan (ESPP) is an employee reward program that gives employees an opportunity to own company shares through their own contributions. It is meant to complement Liberty’s compensation and other benefit programs. As part of the program, you will receive company-matched contributions. For contributions up to $5,000 each calendar year, Liberty will match it at 20% (or up to $1,000). For contributions over $5,000 up to $10,000 each calendar year, Liberty will match it at 10% (or up to $500). The annual employee contribution maximum under the plan is $10,000, for a maximum Company match of $1,500.
The ESPP is a voluntary program available to all employees who qualify for other benefit programs. You can activate your account and enroll at any time.
Blackout Periods
A blackout period is a timeframe established by the Company during which share transactions are prohibited, typically around the time when the Company releases its quarterly reports or when there are significant events that might be perceived to impact the Liberty’s performance. Blackouts are defined in the Company Insider Trading Policy, which governs all trading activities and all employees are responsible to adhere to them.
During blackouts participants are prohibited from trading shares, increasing or decreasing contribution amounts, selling or transferring shares, and stopping participation in the Plan. However, blackouts do not interfere with regular ongoing contributions through payroll deductions established before the blackout period.
TELUS Health Employee Assistance Program (EAP)
- Legal information, resources, and consultations
- Financial information, tools, and resources
- Identity theft counseling
- Child and elder care referrals
Headspace
Nutrition Health Coaching
Liberty is happy to provide Nutritional Health Coaching to you and your eligible dependents. This program provides online support to help optimize your health with mindful eating habits to prevent or manage risk factors for chronic and other health conditions.
Through this program, you will have access to online support tools and resources including:
- A nutrition assessment
- One-on-one health coaching
- A personalized meal plan
- Goal and weight tracking tools
- Healthy recipes
- Food and mood journal
- Informational articles
To register, visit https://enroll.ecounsellors.ca/integratedsolutions. The group policy number/name to use during registration is LIBUTL. If you have any additional questions about the program or how to register, please contact healthsolutions@peoplecorporation.com
Liberty's Health & Wellness Hub
- Hotel Discounts
- Amusement Park Tickets
- Concert Tickets
- Electronics Fitness
- Restaurants
- Home, Auto, Pet Insurance, and more….
GoodLife Fitness
Liberty understands your physical health is important. That is why we have partnered with GoodLife Fitness to offer employees a discount on gym memberships. For more information, please review the documents below. Once reveiwed, If you have additional questions about the program, please call GoodLife Member Experience: 1-800-387-2524 or GoodLife Fitness 1-877-348-8742
Aon Insurance
Liberty has partnered with Aon to offer employees exclusive insurance coverage and preferred rates on home and auto insurance.
All employees are eligible to benefit from the following:
- Discounts up to 20% off your premium
- Access to a wide range of competitive products
- Coverage for your spouse or partner and immediate family members
- Emergency claim support available 24 hours a day to assist you every step of the way
- Experienced and licensed Personal Insurance Brokers to provide advocacy and expertise for your individual needs
- Payment options that suit your needs
- Also eligible for custom rates for Pet and Travel insurance
People Connect
People Connect is a comprehensive mental health resource centre which is included in your benefits. The resource centre consists of the following:
Resource Blog - A mental health knowledge forum and full library, including videos and podcasts.
Assessment Tool - Proprietary mental health assessment based on the diagnostic criteria used by psychiatrists.
Video Therapy - Affordable access to mental health care and treatment, booked in real-time with a therapist of choice.
Visit pcpeopleconnect.com/integratedsolutions, click “Get Started”, complete the registration information and create your own password. Please type “Liberty” in the company box and it will populate a list for you to select from. If you are a People Leader, select this option under Status (you will have access to the employee resources as well).
If your partner or family member would benefit from mental health resources and services, they can create their own profile by registering on People Connect here: pcpeopleconnect.com/integratedsolutions. Have them type “Liberty” in the company box and select it from the dropdown list. Additionally, they should select spouse or dependent in the status dropdown.
Don’t hesitate to contact peopleconnect@peoplecorporation.com with any questions or comments. All conversations are held in strict confidence.
SelfHelpWorks
SelfHelpWorks is an online platform that offers seven online cognitive learning programs that are available to you and your family members.
SelfHelpWorks is North America’s leading provider of web-based self-help tools. Eight courses are offered, focusing on the areas of (1) nutrition, (2) stress and resiliency, (3) smoking cessation, (4) alcohol management, (5) physical fitness, (6) diabetes management, (7) sleep and insomnia, and (8) substance abuse. These programs can help you pursue a healthy and balanced lifestyle and are effective, engaging, and easy to use. And, by offering you the freedom to choose your timetable - from the privacy of your own home – they are there when you’re ready.
If you’ve been thinking about quitting smoking, want to eat better, or perhaps are concerned that you need to cut down on alcohol, give the programs a try. They can change your life. Please note: we are striving to make all courses accessible for everyone in the future. For now, only select programs are available in French and all programs include bilingual captions to assist as you progress through each course.
Your privacy is crucial to us. Under no circumstances will your personal information be shared with Liberty or anyone else. All information on SelfHelpWorks is confidential. The online platform can be accessed on any computer, tablet, or mobile device.
To register and start your journey to a healthier life, please visit https://portals.selfhelpworks.com/integratedsolutions and use the activation code: LIB-SHW
My Medical Director
My Medical Director is a Canadian-based medical second opinion and advocacy program. This program is available to all benefits eligible Canadian employees.
You and your eligible dependents have free access to rapid medical second opinion and diagnosis services through My Medical Director. Through this program, you can access a team of Canadian-based physicians and healthcare professionals who can help you or your dependents navigate the Canadian healthcare system, interpret medical information, and find appropriate care in a timely way. Acting as a strong advocate for patients, My Medical Director services are free of charge and help to ensure you’re on your way to feeling well again.
To access My Medical Director, you may reach out and contact them directly via email at advocate@medextra.com or via telephone at 1-877-373-9872. You will be asked to provide your name and our organization’s name to access services. Any information shared with My Medical Director is kept strictly private and confidential. We encourage you and your dependents to reach out and utilize this program, if needed, anytime
GOeVisit
GOeVisit lets you connect online with a medical provider wherever you are; at work, at home or on the go for over 450 minor illnesses. This service is available to all benefit eligible Canadian employees.
You and your eligible dependents have access to virtual healthcare 24/7 through GOeVisit— a convenient virtual healthcare provider that can diagnose and prescribe treatments for over 450+ minor illnesses and ailments, such as a cold, flu or allergies, ear or eye pain, rashes, infections, and more! It’s available as an app that you can download and begin using on your mobile device immediately.