In a permanent full-time position, you are eligible for the Disability Income Plan and the Group Life Insurance Plan on your first day of work. 3sHealth Employee Benefits will send you a “welcome package” within a few weeks. The package includes: 

• A letter confirming which benefit plans you are enrolled in and your Benefit ID (BID) number;
• Information about your benefit plans; and
• An “Enrolment Information Form.”

Important note: It is important you return the “Enrolment Information Form” as soon as possible. This ensures we have your beneficiary designations on file and that your dependents are set up to access your benefits. 

If you intend to purchase additional Optional Life insurance, you have 90 days from your employment start date to purchase up to $150,000 of coverage with no need to provide any medical information. For more information about Optional Life insurance, please see the form we sent you in your welcome package. You can also contact us if you need the Optional Life insurance form or have any questions. 

You will be eligible for health care and dental benefits after working for 26 weeks. When you first gain coverage under the Extended Health Care and Enhanced Dental Plan, Canada Life will send you your pay direct drug card in the mail within three to four weeks. If you have a spouse, Canada Life will also send them a card.

The plans provide coverage for prescription drugs, paramedical services, vision, other medical services and supplies, and dental treatments. Here are the details:

• In-scope employee: Extended Health Care and Enhanced Dental Plan
• Out-of-scope employee: Extended Health Care and Enhanced Dental Plan

In a permanent part-time position, you are eligible for the Disability Income Plan and Group Life Insurance Plan on your first day of work! 3sHealth Employee Benefits will send you a “welcome package” within a few weeks. The package includes:

• A letter confirming which benefit plans you are enrolled in and your Benefit ID (BID) number;
• Information about your benefit plans; and
• An “Enrolment Information Form.”

Important note: It is important you return the “Enrolment Information Form” as soon as possible. This action ensures we have your beneficiary designations on file and that your dependents are set up to access your benefits. 

If you intend to purchase additional Optional Life insurance, you have 90 days from your employment start date to purchase up to $150,000 of coverage with no need to provide any medical information. For more information about Optional Life insurance, please see the form we sent you in your welcome package. You can also contact us if you need the Optional Life insurance form or have any questions.

After working for 26 weeks, we will measure you for eligibility in the Extended Health Care and Enhanced Dental Plan. To qualify, you must work a minimum of 390 hours in your first 26 weeks of work. The number of hours you work compared to full-time hours at your employer will determine the percentage of your health and dental benefit coverage.

Example: Donna has a permanent part-time position, working 28 hours per week. A full-time person in the same position at her employer works 37.5 hours per week. During a full year, Donna works 1,456 hours and a full-time employee at her organization would work 1,950 hours. Dividing Donna’s hours by the employer’s definition of full-time hours yields a percentage of 75 per cent. Therefore, Donna’s coverage would be 80 per cent for dental and 100 per cent for health benefits. 

We will send you a letter within a few weeks that confirms your eligibility and the level of coverage you qualify for. Canada Life will send you your pay direct drug card in the mail within three to four weeks. If you have a spouse, Canada Life will also send them a card.

The plans provide coverage for prescription drugs, paramedical services, vision, other medical services and supplies, and dental treatments. Here are the details:

• In-scope employee: Extended Health Care and Enhanced Dental Plan
• Out-of-scope employee: Extended Health Care and Enhanced Dental Plan

Once you have completed a full calendar year of employment, we will measure your hours worked each year on December 31 to determine your eligibility and your percentage of coverage in the Extended Health Care and Enhanced Dental Plan for the following calendar year. You must work a minimum of 780 eligible hours (equivalent to about 40 per cent of full-time hours) to qualify for benefits.

After working for 26 weeks, 3sHealth Employee Benefits will measure you for eligibility in the Group Life Insurance Plan, the Disability Income Plan, and the Extended Health Care and Enhanced Dental Plan. 

To qualify, you must work a minimum of 390 hours in your first 26 weeks of work. The number of hours you work compared to full-time hours at your employer will determine the percentage of your health and dental benefit coverage.

Example: Mike works in a casual position and works 16 hours per week. A full-time person in the same position at his employer works 37.5 hours per week. During a complete calendar year, Mike works 832 hours and a full-time employee at his organization would work 1,950 hours. Dividing Mike’s hours by the employer’s definition of full-time hours yields a percentage of 43 per cent. Therefore, Mike’s coverage would be 50 per cent for his health and dental benefits. 

We will send you a “welcome package” within a few weeks. The package includes:

• A letter confirming which benefit plans you are enrolled in and your Benefit ID (BID) number;
• Information about the benefit plans; and
• An “Enrolment Information Form.”

Important note: It is important you return the “Enrolment Information Form” as soon as possible. This action ensures we have your beneficiary designations on file and that your dependents are set up to access your benefits. 

If you intend to purchase additional Optional Life insurance, you have 90 days from your Group Life Insurance Plan enrolment date to purchase up to $150,000 of coverage with no need to provide any medical information. For more information about Optional Life insurance, please see the form we sent you in your welcome package. You can also contact us if you need the Optional Life insurance form or have any questions.

If you do not meet benefits eligibility after the 26-week measure, we will send you a letter letting you know. We will also let you know when we will measure you again.

Once you have completed a full calendar year of employment, we will measure your hours worked each year on December 31 to determine your eligibility and your percentage of coverage in the Extended Health Care and Enhanced Dental Plan the following calendar year. You must work a minimum of 780 eligible hours (equivalent to about 40 per cent of full-time hours) to qualify for benefits.

Example: Your employer hires you on August 28, so you will receive a 26-week measure on February 26. During that time, you worked 340 hours. You are not eligible for benefits. Your next measurement will be December 31, assessing your hours worked from January 1 to December 31 (a full calendar year). You must work a minimum of 780 hours in the calendar year to be eligible for benefits. 

When you first gain coverage under the Extended Health Care and Enhanced Dental Plan, Canada Life will send you your pay direct drug card in the mail within three to four weeks. If you have a spouse, Canada Life will also send them a card.

The plans provide coverage for prescription drugs, paramedical services, vision, other medical services and supplies, and dental treatments. Here are the details:

• In-scope employee: Extended Health Care and Enhanced Dental Plan
• Out-of-scope employee: Extended Health Care and Enhanced Dental Plan

After working for 26 weeks, 3sHealth Employee Benefits will measure you for eligibility in the Group Life Insurance Plan and the Extended Health Care and Enhanced Dental Plan. 

To qualify, you must work a minimum of 390 hours in your first 26 weeks of work. The number of hours you work compared to full-time hours at your employer will determine the percentage of your health and dental benefit coverage.

Example: Harvey works in a temporary position and works 30 hours per week. A full-time person in the same position at his employer works 37.5 hours per week. During a complete calendar year, Harvey works 1560 hours and a full-time employee at his organization would work 1,950 hours. Dividing Harvey’s hours by the employer’s definition of full-time hours yields a percentage of 80 per cent. Therefore, Harvey’s coverage would be 80 per cent for his dental and 100 per cent for his health benefits. 

Important note: If you are a member of the Saskatchewan Union of Nurses (SUN) and are a temporary employee, you are eligible for membership in the SUN Disability Income Plan on your date of hire providing that you are under the age of 65. All other temporary employees not in SUN are not eligible to join the Disability Income Plan. 

If you are eligible for benefits, we will send you a “welcome package” within a few weeks. The package includes:

• A letter confirming which benefit plans you are enrolled in and your Benefit ID (BID) number;
• Information about the benefit plans; and
• An “Enrolment Information Form.”

Important note: It is important you return the “Enrolment Information Form” as soon as possible. This action ensures we have your beneficiary designations on file and that your dependents are set up to access your benefits. 

If you intend to purchase additional Optional Life insurance, you have 90 days from your Group Life Insurance Plan enrolment date to purchase up to $150,000 of coverage with no need to provide any medical information. For more information about Optional Life insurance, please see the form we sent you in your welcome package. You can also contact us if you need the Optional Life insurance form or have any questions.

If you do not meet benefits eligibility after the 26-week measure, we will send you a letter letting you know. We will also let you know when we will measure you again.

Once you have completed a full calendar year of employment, we will measure your hours worked each year on December 31 to determine your eligibility and your percentage of coverage in the Extended Health Care and Enhanced Dental Plan for the following calendar year. You must work a minimum of 780 eligible hours (equivalent to about 40 per cent of full-time hours) to qualify for benefits.

Example: Your employer hired you on August 28, 2023, so you will receive a 26-week measure on February 26, 2024. During that time, you worked 340 hours. You are not eligible for benefits. Your next measurement will be December 31, 2024, assessing your hours worked from January 1, 2024, to December 31, 2024 (a full calendar year). You must work a minimum of 780 hours in the calendar year to be eligible for benefits.

When you first gain coverage under the Extended Health Care and Enhanced Dental Plan, Canada Life will send you your pay direct drug card in the mail within three to four weeks. If you have a spouse, Canada Life will also send them a card.

The plans provide coverage for prescription drugs, paramedical services, vision, other medical services and supplies, and dental treatments. Here are the details:

• In-scope employee: Extended Health Care and Enhanced Dental Plan
• Out-of-scope employee: Extended Health Care and Enhanced Dental Plan

When contacting 3sHealth, we will ask for your BID to confirm your identity and to keep your information safe. We assign you your BID when you enroll into the Employee Benefit Plans. Your BID is your unique identifier to use anytime you are interacting with 3sHealth Employee Benefits or Canada Life.

There are many ways to find your BID. You will see your BID on the letter in your initial welcome package and on any other correspondence we send to you. You can also find your BID on your Canada Life pay direct drug card once you are eligible for the health and dental benefits. 

How to find your BID on your Canada Life pay direct drug card: 

Here is what the numbers mean:

11 335663 0000 123456 01 - is the code the pharmacist uses to identify Canada Life as the insurance carrier.

11 335663 0000 123456 01 - is your Canada Life group policy number.

11 335663 0000 123456 01 - is your unique BID. 

11 335663 0000 123456 01 - is the issue number. If your card is lost or stolen and you request a new card, the issue number will change to 02.

If you do not have a BID when you call in, we will ask verification questions to confirm your identity. Then, we will provide your BID and answer any questions you may have.

If your new employer participates in the benefit plans and if the new employer hires you within 30 days after leaving your last employer, 3sHealth will transfer the benefits you had at your previous employer to your new employer. 

If your new employer participates in the benefit plans and hires you 30 days or more after leaving your previous employer: 

• The benefits you had when you left your previous employer will not transfer to your new employer; and 
• You will gain eligibility in the Employee Benefit Plans based on the position you work in. Depending on your employment status, refer to the chart below in question “What if I change positions at my current employer?” for benefit plan eligibility details.

The following table shows what happens if you had benefits at your last position. 

If you did not have benefits at your last position and you move positions at your current employer, 3sHealth will measure your eligibility for benefits the same as any new employee. For more details, see the questions above on this page that explain benefits eligibility according to each type of position.

Plan members eligible for Group Life insurance have Basic Life insurance on their own life, Dependent Life insurance for their eligible dependents, and Basic Accidental Death & Dismemberment (AD&D) insurance coverage on themselves.

Basic Life insurance: If you are under the age of 65, the plan calculates your Basic Life insurance amount based on two times your annual salary rounded up to the nearest $1,000, to a maximum of $1,000,000. This amount is the life insurance proceeds your named beneficiaries will receive if you die. 

If you are 65 or older and working, the plan calculates your Basic Life insurance amount based on one times your annual salary, rounded up to the nearest $1,000, to a maximum of $250,000. This amount will be the life insurance proceeds your named beneficiaries will receive if you die.

Dependent Life insurance: The plans cover your spouse’s life at $10,000 and your eligible children’s lives at $5,000 per child. This benefit is payable to the plan member.

Basic Accidental Death & Dismemberment (AD&D) insurance: Regardless of age, you have AD&D insurance. The amount of your AD&D insurance is equal to the amount of your Basic Life insurance in the event you die due to an accident. 

For injuries sustained by an accident, your Basic AD&D insurance is equal to a percentage of your Basic Life insurance. Coverage is based on the current “table of losses.” The table of losses details how much coverage you have in the event of a loss of life, limb, sight, hearing, or speech. See the Group Life Insurance Plan booklet for the table detailing the loss coverage on page 6. 

Example: Manpreet makes $50,000 a year. Her Basic Life insurance is $100,000. Basic AD&D is equal to a percentage of this Basic Life insurance depending on the type of loss. Manpreet is in a car accident. If she suffers hearing loss in both ears, she will receive $50,000 because the plan covers hearing loss in both ears at 50 per cent. If Manpreet loses the use of both legs, she will receive $200,000 because the plan covers the loss of use of both legs at 200 per cent.

The monthly premium rate for your Group Life insurance is $0.16 per $1,000 of coverage. This premium covers Basic Life insurance, Basic Accidental Death & Dismemberment (AD&D) insurance, and Dependent Life insurance coverage. 

To calculate your monthly premium amount: multiply the amount of your insurance by $0.16 and divide by $1,000. 

Example for someone making $66,000 a year who is under the age of 65: 

$66,000 x 2 = $122,000 (amount of coverage). 

($122,000 x $0.16) / $1,000 = $19.52 monthly premium amount. 

Example for someone making $66,000 a year who is over the age of 65: 

$66,000 x 1 = $66,000 (amount of coverage). 

($66,000 x $0.16) / $1,000 = $10.56 monthly premium amount. 

Your employer may pay a portion of your monthly premium. Your employer will deduct your premium from your pay on the first pay period in each month. 

Yes! If you are under 65, and you are enrolled in the Group Life Insurance Plan, you can purchase additional life insurance coverage called “Optional Life insurance”. 

Purchasing additional coverage ensures that your loved ones have the funds they need if you die.

You can purchase up to a maximum of $500,000 of additional Optional Life insurance coverage. If you apply in the first 90 days of enrolment in the plan, you can purchase up to $150,000 of this coverage without providing any additional medical information. 

If you are purchasing coverage after 90 days of enrolment in the plan or you are purchasing more than $150,000, Canada Life requires you to complete a Medical Evidence of Insurability form. Please contact our office for the form. Canada Life is 3sHealth’s insuring partner for Optional Life insurance.

The plan provides Optional Life insurance in units of $10,000 to a maximum of $500,000. The rates are based on your age and whether you are a smoker or non-smoker.

The monthly premium calculation is: Multiply the amount of insurance by the rate and divide by $1,000. 

Example for a 42-year-old non-smoker: ($100,000 x $0.075) / $1,000 = $7.50 monthly premium.

Yes! You can purchase additional “Voluntary” AD&D insurance under the Group Life Insurance Plan. 

Purchasing additional coverage ensures that your loved ones have the funds they need if you die or are injured in an accident. 

You can purchase more Voluntary AD&D insurance at any time if you are eligible for the Group Life Insurance Plan. The plan has single and family coverage available. You can buy up to $250,000 in Voluntary AD&D coverage in $10,000 units. The plan does not require a medical review for this coverage.

The plan provides Voluntary AD&D insurance in units of $10,000 to a maximum of $250,000. The rates per $10,000 of coverage are $0.20 for single plan member coverage and $0.40 for family coverage. 

The monthly premium calculation is: Multiply the amount of insurance by the rate and divide by $10,000. 

Example – single coverage: ($50,000 x $0.20) / $10,000 = $1.00 monthly premium.

Example – family coverage: ($50,000 x $0.40) / $10,000 = $2.00 monthly premium.

No. There is no option to purchase additional Dependent Life insurance beyond the coverage the plans already provide. The plans cover your spouse’s life at $10,000 and your eligible children’s lives at $5,000 per child.

Please complete the Group Life Beneficiary Designation Form and send a signed copy of the completed form to ebp@3sHealth.ca. 

3sHealth includes a form in your welcome package where you can designate your beneficiaries. 

You can name beneficiaries to two types of groups:

• Primary Beneficiary - the person(s) who will receive the policy proceeds if you die.
• Contingent Beneficiary - the person(s) who will receive the proceeds if your primary beneficiary(s) die before you do.

Watch - Naming Beneficiaries is Easy

You may name any person as your beneficiary, such as your spouse, parent, child, or anyone else in your life. You may designate more than one beneficiary. You may also name a legal entity as your beneficiary, such as a charitable organization. If you choose to name a charitable organization as a beneficiary, 3sHealth requires the full legal name and address of the charitable organization. The charity must be a registered charity. 

Important note: Many plan members ask if they should let their Group Life insurance proceeds simply go to their estate rather than having to choose and update beneficiaries. Sending your insurance proceeds to your estate is possible but we advise that you pick and name your beneficiaries now. The reason is simple: picking beneficiaries now is easier on your loved ones in case you die and ensures that every dollar ends up in their hands. Life insurance proceeds to an estate are subject to estate taxes and fees, and executors may need to use life insurance proceeds to pay off debts before settling the estate. 

If you name a minor child under the age of 18 as a beneficiary, you must also appoint a trustee. Upon your death, we send the trustee the policy proceeds. The trustee has a legal duty to use those proceeds for the benefit of the beneficiary. You will want to appoint someone capable of managing the policy proceeds wisely. 

If you do not appoint a trustee, the law requires that we send the payment to the public trustee in the child’s province of residence or to the court-appointed property guardian.

Watch - Naming Beneficiaries is Easy

If you do not name a beneficiary or your beneficiary dies before you, 3sHealth will pay your Group Life insurance proceeds to your estate. 

Important note: Many plan members ask if they should let their Group Life insurance proceeds simply go to their estate rather than having to choose and update beneficiaries. Sending your insurance proceeds to your estate is possible but we advise that you pick and name your beneficiaries now. The reason is simple: picking beneficiaries now is easier on your loved ones in case you die and ensures that every dollar ends up in their hands. Life insurance proceeds to an estate are subject to estate taxes and fees, and executors may need to use life insurance proceeds to pay off debts before settling the estate.

Watch - Naming Beneficiaries is Easy

When you designate your beneficiaries, you may indicate the percentage of the policy proceeds you would like to give to each of the named parties. Your designations for all named primary beneficiaries must total 100 per cent. If you name contingent beneficiaries their total must also equal 100 per cent. If you do not detail a percentage of the benefit for each beneficiary, the plan divides the policy proceeds equally among your named beneficiaries.

Watch - Naming Beneficiaries is Easy

If you work at multiple different employers that participate in the Group Life Insurance Plan that 3sHealth administers, it is important to note that you are only in the Group Life Insurance Plan once. 

The plan calculates your Group Life insurance coverage based on your salary at all your positions where employers participate in the plan. 

Only one beneficiary designation can be in place at a time, even if you work at multiple health-care organizations. When you make a new beneficiary designation, that new designation replaces all other previous designations. This replacement happens even if you made the previous designation at a former employer. 

Your new beneficiary designation must be a full and complete designation that clearly states how you wish the policy proceeds to be disbursed in the event of your death.

For complete details on the plan, please review the Group Life Insurance Plan booklet.

There are four different Disability Income Plans: CUPE, General, SEIU-West, and SUN.

Your disability coverage level depends on which plan you belong to. 

• CUPE:
  • During the initial 119-day long-term disability qualifying period, bridge benefits equal to 66 and 2/3 per cent of your pre-disability regular gross weekly earnings.
  • After the initial 119-day qualifying period, long-term disability benefits equal to 60 per cent of your pre-disability regular gross monthly earnings.
• General:
  • After the initial 119-day qualifying period, long-term disability benefits equal to 75 per cent of your pre-disability regular gross monthly earnings.
• SEIU-West:
  • During the initial 119-day long-term disability qualifying period, bridge benefits equal to 66 and 2/3 per cent of your pre-disability regular gross weekly earnings.
  • After the initial 119-day qualifying period, long-term disability benefits equal to 60 per cent of your pre-disability regular gross monthly earnings.
• SUN:
  • After the initial 119-day qualifying period, long-term disability benefits equal to 75 per cent of your pre-disability regular gross monthly earnings.

Bridge benefits are an income replacement benefit that bridges the gap in time between the end of your employer-paid sick leave and the 119-day qualifying period for long-term disability benefits. 

Bridge benefits are only available to CUPE and SEIU-West plan members.

If you need to apply for disability benefits, please refer to the “Applying for Disability Benefits” page. This page provides all the necessary forms and information you will need when applying for disability benefits.

For full details on your plan, please review the booklet for your plan by clicking the link in the list below.

• CUPE - Long-term Disability Plan 
• General - Long-term Disability Plan
• SEIU-West - Long-term Disability Plan 
• SUN - Long-term Disability Plan

The plans provide coverage for prescription drugs, paramedical services, vision, other medical services and supplies, and dental treatments. Here are the details:

• In-scope employee: Extended Health Care and Enhanced Dental Plan
• Out-of-scope employee: Extended Health Care and Enhanced Dental Plan

Your Extended Health Care and Enhanced Dental Plan covers your spouse and your eligible dependent children. 

A spouse is a person you are legally married to or a person that you have been living with in a spousal relationship for the past 12 months, forming a common-law relationship. 

The plan defines a child as a person who is under 21, unmarried, dependent on you for financial support, and who is either your natural child, your legally adopted child, a stepchild, a child of your common-law spouse who lives with you, or a child for whom you have custody pursuant to a court order.

The plan covers children attending post-secondary education if they are under the age of 25 and are attending an accredited college or university full time.

Children 21 years of age or older that are dependent upon you for support by reason of a mental or physical disability can remain under your plan for as long as you retain your eligibility. In order for a dependent child with a disability to be eligible past age 21, you will need to complete an “Application for Over-age Dependent Coverage” form. Canada Life will review the application for eligibility. If the application is eligible, the plan will cover your dependent child. Please contact 3sHealth if you require the form. Please note that the over-age dependent coverage form may not be a one-time process and Canada Life may review the situation on an ongoing basis depending on the nature of the dependent child’s medical condition.

Plan members must enroll their spouse and dependent children to ensure benefit plan coverage by completing the “Employee Benefits Dependent Change Form.” 

Online: You can submit claims on Canada Life's My Canada Life at Work website or mobile phone app once you have signed up. When signing up, you will need to enter the plan number (335663) and your Benefit ID (BID) to register. To receive claim payments right into your bank account, you will need to activate direct deposit and elect for electronic documents. My Canada Life at Work will direct you to the set-up process the first time you click on the submit a claim button. Once you set up your account, you can submit documents online. Using My Canada Life at Work means a faster claims submission process for you. 

Paper: You can also submit claims with a paper claim form. You can find these forms on the 3sHealth website or on My Canada Life at Work. Complete the claim form, attach your original receipts, and mail the package to Canada Life at: 

Regina Benefit Payments

PO Box 4408

Regina, SK, S4P 3W7

Provider Direct Billing: Canada Life also accepts direct billing from service providers such as your dentist, massage therapist, physiotherapist, and many more. Please ask your service provider if they have Canada Life Provider eClaims.

You can register for access to your health and dental benefit details by signing up at the My Canada Life at Work site. Registering gives you access to a wide variety of features such as your claims history, registration for direct deposit, a drug search tool to confirm if your plan covers your medication, claims submissions, and more.

If you are having trouble registering or navigating the My Canada Life at Work portal, please contact Canada Life Website Support at 1-888-222-0775.

Submitting a claim to more than one benefit plan to recover as much of your expenses as possible is known as “coordination of benefits.” Typically, this coordination happens when your spouse’s group benefits plan pays part of a claim and then you submit the remaining amount to your plan. However, having more than one insurance plan does not guarantee that a claim will be paid in full between both plans.

Here are some general coordination of benefits guidelines to get you started:

• Claims for yourself: Submit a claim to your plan before sending it in to your spouse’s plan.
• Claims for your spouse: Submit claims for your spouse to your spouse’s plan first before sending it to your plan.
• Claims for your children: If the claim is for a child’s expenses, submit it to the plan of the parent with the earlier birthday in the year and then to the plan of the parent with the later birthday next.
• Claims for students: When submitting claims for a student, submit through the student’s school plan first, then the parent with the earlier birthday’s plan, then the parent with the later birthday’s plan.
• If you are unsure how to make claims when parents are separated, contact Canada Life.
• If you have multiple plans, start with your full-time employer’s plan, then any part-time employer’s plan, and then any other coverage you carry such as private insurance or a retiree plan.
• Individual benefit plans, such as the GMS 3sHealth Retiree Benefits Plan, are secondary to all employer-sponsored group benefit plans.

Looking for more information on coordination of benefits? Get the answers you need for your family situation by referring to the Canadian Life and Health Insurance Association’s Guide to the Coordination of Benefits. This document sets out common guidelines for coordination of benefits. 

When you first gain coverage under the health and dental plan, Canada Life will send you your pay direct drug card in the mail within three to four weeks. If you have a spouse, Canada Life will also send them a card.

If your card has been lost or stolen, please report it as soon as possible so that Canada Life can issue a new card. Make your report by:

• Contacting Canada Life through the My Canada Life at Work app advising if the card was lost, stolen, or destroyed.
• Contacting Canada Life directly at 1-866-408-0213 to request a drug card from a customer relations specialist.
• Contacting 3sHealth. We will submit the request for a new drug card to Canada Life on your behalf. 

The My Canada Life at Work mobile app also includes a digital drug card that you can use if you have downloaded and activated the app.

The Extended Health Care and Enhanced Dental Plan provides you with two options for using your benefits plan to pay for prescription drug claims. 

One option is to pay with your pay direct drug card. The second is paying out-of-pocket and submitting a claim.

Your prescription needs and your payment preferences determine which option is right for you. 

You have the flexibility to change your payment preference each time you visit the pharmacy.

The pay direct drug card

The plan offers a convenient pay direct drug card that provides instant payment at the pharmacy, less a $10 per prescription deductible. Using the pay direct drug card helps to avoid out-of-pocket costs, and there are no claim forms to fill out and submit. The claim process is complete before you leave the pharmacy.

Paying out-of-pocket and submitting a claim

The plan also offers a reimbursement option. You may pay the full amount of your prescription at the pharmacy, submit your claims for reimbursement, and pay a $9 per family, per purchase date deductible. You can submit claims via My Canada Life at Work.

Did you know? A deductible is the amount you pay for covered benefits, such as prescription drugs, before your benefit plan starts to pay. 

Example: A plan member purchases five different prescriptions on the same day. Using the pay direct drug card, they would pay a $50 deductible ($10 per medication) and pay for any medication costs that the plan does not cover. If that same plan member submits a paper or online claim, they would pay the full cost of the five prescriptions at the time of purchase. They would then submit a claim with receipts to Canada Life. Canada Life would reimburse the plan member the full amount that the plan covers, less the $9 deductible per family per purchase date.

3sHealth encourages you or your provider to submit an estimate when the cost of the proposed product or service may exceed $500.

Any expenses incurred in the current calendar year must be submitted by April 30th of the following year. 

Example: To receive reimbursement for a Nov. 12, 2023 massage, you must submit the claim by April 30, 2024.

If your coverage ends because you did not work enough hours to be benefits eligible or your employment ended, you must submit claims incurred prior to your last day of coverage within 120 days.

Did you know that you need to apply to the Saskatchewan Special Support Program (SSP) to remain eligible for your employer-sponsored drug plan? 

The SSP is an income-tested program that helps Saskatchewan residents with high drug costs in relation to their income. The Government of Saskatchewan will send eligible applicants a letter each year that provides deductible and co-payment information for coverage under the provincial prescription drug plan. When your application is complete, your prescription drug costs will be split between the SSP, your employer drug plan, and you.

Once you apply:

• Saskatchewan’s Ministry of Health determines a family’s deductible and co-payment amounts for their prescription drugs based on the family’s annual adjusted income.
• This annual adjusted income is determined by deducting $3,500 per dependent under age 18 from the combined annual family income.
• The SSP co-payment amount is determined by how much the family’s drug costs exceed 3.4 per cent of their adjusted combined income.
• When you reach your family deductible, the SSP will pay a portion before your employer drug plan pays the balance.

Click here to fill out the SSP application.

Completing this form ensures that you will have no disruptions in your drug coverage. 

Once you receive your SSP approval letter, mail a copy with your plan number (335663) and Benefit ID (BID) number to Canada Life at: 

P.O. Box 4408 

Regina, Saskatchewan S4P 3W7

Please note that employer-sponsored plans are always supplementary to provincial government plans.

Not sure what your BID is? There are many ways to find your BID. You will see your BID on the letter in your initial welcome package and on any other correspondence we send to you. You can also find your BID on your Canada Life pay direct drug card once you are eligible for the health and dental benefits. 

You can also find your BID on your Canada Life pay direct drug card once you are eligible for the health and dental benefits. 

How to find your BID on your Canada Life pay direct drug card: 

Here is what the numbers mean:

11 335663 0000 123456 01 - is the code the pharmacist uses to identify Canada Life as the insurance carrier.

11 335663 0000 123456 01 - is your Canada Life group policy number.

11 335663 0000 123456 01 - is your unique BID. 

11 335663 0000 123456 01 - is the issue number. If your card is lost or stolen and you request a new card, the issue number will change to 02.

If you do not have a BID when you call in, we will ask verification questions to confirm your identity. Then, we will provide your BID and answer any questions you may have.

Only certain out-of-scope employees have access to the Out-of-Scope Flexible Spending Account Plan.

The Out-of-Scope Flexible Spending Account Plan is part of the benefits package for certain out-of-scope plan members. 

The purpose of this plan is to support personal health and wellness. Plan members can submit claims for health and wellness related expenses.

Eligible plan members can elect to be in either the Lifestyles Spending Account or the Health Spending Account. Each year, plan members have money that they can allocate to either of these two accounts. 

Plan members can elect 100 per cent of their funds to either plan or can choose a 50 per cent mix of the Lifestyle Spending Account and the Health Spending Account. 

When plan members first become eligible for the plan, they have 30 days to choose which account they would like to allocate their dollars to.  If the plan member does not make a choice within 30 days, they default into the Health Spending Account for that year. 

Here is an overview of both accounts. 

Lifestyle Spending Account: 

The plan member can only use this account for themselves (except for claiming contributions to spousal RRSPs). 

Plan members who allocate their plan dollars to the Lifestyles Spending Account can claim TFSA and RRSP contributions, physical activity related purchases, and more. 

Lifestyle Spending Account claims are taxable at the same rate as a plan member’s income. Employers pay reimbursement for eligible claims as part of their regular payroll. 

Health Spending Account: 

Plan members can use the Health Spending Account for claims for themselves, for their spouse, and for their eligible dependents. Allocating funds to this account allows plan members to top up health and dental expenses such as prescription eyeglasses, laser eye surgery, orthodontics, and more. 

This plan is a non-taxable benefit and Canada Life directly reimburses plan members.

Yes! Each November, 3sHealth sends all eligible plan members a letter advising them of any remaining funds in their account. We also send out a form that allows plan members to switch their allocation for the next year. 

Please note that once you make a choice for the following calendar year, that choice is locked in for that year. Plan members must submit their allocation choice by December 31.

Submitting claims is easy and depends on which account you are in. 

Lifestyle Spending Account: 

Plan members can submit claims directly to 3sHealth by sending in this form.

Health Spending Account: 

Plan members can submit claims on Canada Life's My Canada Life at Work app.

Make sure you make your purchase in the calendar year for that year’s Out-of-Scope Flexible Spending Account Plan allocation before December 31 to ensure you do not lose that year’s funds. 

The deadlines for submitting claims are: 

• Within 60 days after the calendar year end (December 31) for expenses plan members incur during the previous year. 
• Within 60 days after a plan member’s employment ends for expenses incurred prior to the end of employment.

You can learn more about the Out-of-Scope Flexible Spending Account Plan by reading the plan booklet.

3sHealth administers your Employee Benefits Plan. We are happy to answer any questions you have. This page contains our contact information. 

Available below are the links to some pension providers’ contact web pages:

• Saskatchewan Healthcare Employees' Pension Plan (SHEPP).
• Public Employees Pension Plan (PEPP).
• Regina Civic Employees' Superannuation & Benefit Plan.
• All Other Pension Plans: Contact your employer or pension plan provider for details.

Available below are the links to different disability plan administrators: 

• Regina Civic Employees' Long Term Disability (LTD)
• SGEU Long-term Disability Plan