Red Helm Canada Terms & Conditions
Conditions of Use
Please read the following conditions of use carefully before using this site. These conditions of use also apply when you use a downloadable
application, computer or mobile device browser or other technology to access any features, functionality, content, applications for service or information that is made available or provided on this site. You should review the conditions of use regularly as they may change at any time.
References to “you” or “your” shall mean the person accessing or using this site. References to “Red Helm Canada”, “we”, “us” or “our” shall mean The Red Helm Canada and its affiliated companies. Additional or different conditions of use may apply to other The Red Helm Canada ’ sites, and you should review the conditions of use posted on the site(s) you wish to use. The Red Helm Canada reserves the right to change the terms of use of its sites or discontinue them at any time upon notice to you. Notice may be given to you in writing, by email or by posting such notice on the relevant site.
Age of Consent
By using this site, you represent that you are at least the age of majority in your province of residence, or that you are the age of majority in your province of residence.
General
All products and services are subject to the terms and conditions of any applicable agreements. Our products and services are available only in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in all geographical regions.
This site is not intended to provide you with any personalized financial, accounting or tax advice. It should not be used as a substitute for personal advice from a licensed group benefits advisor or other appropriate professional advisors. This site is not intended to provide you with any legal advice. If you require legal advice, please
consult with your lawyer.
We make reasonable efforts to maintain the availability of this site. However, there will be times when this site will be unavailable for use or when we find it necessary to shut down this site for a period of time for maintenance, updates, and other reasonable adjustments.
The products and services described in the site are available only in Canada. Nothing in this site is intended to constitute an advertisement for the promotion of such products and services in other jurisdictions.
The Red Helm Canada will not be liable for any errors or delays in, loss or damages caused by, or actions taken in reliance on, this information.
For Equitable Life Enrollments
You and your dependents must be covered by your provincial health plan (e.g. OHIP, AHIP, MSP, RAMQ) to be eligible for coverage under the Group Insurance Plan. Claims incurred by you and your dependents when you and your dependents did not have provincial health coverage will not be eligible for coverage under the Group Insurance Plan and no benefit will be paid for these claims, and you and your dependents will not be eligible for coverage under the Group Insurance Plan.
PROVINCIAL DRUG PROGRAM COVERAGE (Applicable to residents of British Columbia, Manitoba and Saskatchewan): In order to ensure you and your dependents (if applying for family coverage) have access to the maximum prescription drug coverage available, you and your dependents must be registered for your provincial drug coverage program. Please note that if you are not registered for your provincial drug coverage program, your drug claims may be declined. For more information on your provincial drug coverage program, please visit:
https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/pharmacare-for-bc-residents
http://www.gov.mb.ca/health/pharmacare/
http://www.saskatchewan.ca/residents/health/prescription-drug-plans-and-health-coverage
You understand that you can join the Health/Dental plan with Equitable Life if you apply within 31 days of the termination of my spouse’s/partner’s coverage with their Employer. If you apply more than 31 days after the termination of your spouse’s/partner’s coverage, evidence of insurability will be required, and Dental coverage will be restricted. If you and/or your dependents have no current Group coverage, you understand you can apply in the future only with satisfactory evidence of insurability and coverage may be restricted or denied.
Authorization
The personal information collected by Equitable Life will be used by Equitable Life for the purposes of underwriting, servicing, managing and administering the group benefits plan, and claim processing and adjudication. You authorize that for the above purposes the personal information is accessible to, and may be exchanged with, authorized employees of and relevant third parties retained by Equitable Life, its sales distribution network, the group benefits plan administrator, any industry drug pooling entity, participating reinsurers, other insurance companies, investigative organizations, health care providers and facilities, including, but not limited to pharmacies, physicians and dentist, and any other person or party you authorize. If applying for your spouse and/or dependents, you confirm that you are authorized to act on behalf and therefore this consent and authorization also applies to the collection, use and communication of their personal information for the same purposes. You understand that all claims made under the Group Insurance Policy are submitted through me as the plan member. You therefore authorize Equitable Life to exchange information about these claims with me or any person acting on my behalf, including a spouse or dependent, as deemed necessary for the purposes of confirming eligibility and assessing and managing the claim. You acknowledge and agree that in the case of misrepresentation, claims abuse, fraud, falsification or tampering with claim documents or receipts, or the claimant not actually receiving the goods or services claimed, my Group Benefits coverage may be immediately terminated by Equitable Life. You certify that all of the information given on this form is true, correct and complete.
Confidentiality
The Red Helm Canada is committed to respecting the privacy of your personal information. By submitting application and enrollment information, you confirm that you are responsible to ensure that any information, text, images, photos or other content you submit (“Your Content”) is truthful and compliant with all applicable laws. You must not submit any content that is misleading, defamatory, discriminatory, abusive or otherwise inappropriate, or that infringes or violates anyone’s rights. You confirm that Your Content complies with the Know Your Client requirements and codes of ethics that apply to the Provider. It is, however, important to keep in mind that the Internet is not a secure medium of communication. For this reason, we cannot guarantee the privacy of any information you input, send to us, or request be delivered to you during its transmission over the Internet. We will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of such information in the course of transmission over the Internet. If you would like to access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information please send an email to admin@Red Helm Canada.ca. In the subject of your message, please state “ATTN: Customer Service – Privacy”.
Terms Applicable to Third-Party Services, Tools, and Sites
When we offer you access to the services of a third-party provider, we are responsible for collecting your fees and managing your subscription. We may provide other administration services. However, by accessing any third-party services, you confirm that you understand and agree to the Terms.
1) Third-Party Terms
a) You access the services on or through the Website of the third party and as such, you are subject to the third party’s terms and conditions of use. Please carefully review them.
2) Policies
a) By using the services of a third party, you are subject to their privacy and security policies. Please carefully review them.
3) Disclaimer
a) The services of third parties are provided on an “as is” and “as available” basis. We make no warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose and non-infringement. We specifically make no warranties that the website or services of any third party, including any content, information, products or services obtained from or through the use of the website or the services, will be provided on an uninterrupted, timely, secure or error-free basis or that such services or the results derived therefrom will meet your requirements or expectations.
4) Limitation of Liability
a) You expressly understand and agree that we will not be liable for: i) any direct, incidental, special, exemplary, indirect or consequential damages; or ii) any damages for any loss of revenue, profits, savings, or goodwill; or iii) any damages for loss of data or unavailability of any website or services regardless of whether we had been advised or could have foreseen the possibility of such damages arising out of or in connection with: (a) the use, inability to use or performance of the services, products or website of third parties; (b) any unauthorized access to or modifications to any of your content on or transmissions to third party websites; or (c) any other matter relating to the website, services or products of third parties.
The Red Helm Canada may use third-party service providers to provide certain tools and/or programs, some of which may be housed on a third-party server or a site that has been independently developed by others. As such, while accessing this site you may be linked to such other third-party servers. Access to other sites or use of any third-party tools or programs on this site is subject to all the terms and conditions found on such third-party site(s). Third-party websites accessed by hypertext links appearing on this site may have been independently developed by others. We are not responsible for the contents or operation of such third-party sites and we do not guarantee the accuracy of any information in them. The listing of an organization not affiliated with The Red Helm Canada on this site should not be interpreted as an endorsement of its services or products by The Red Helm Canada or any of its representatives. The Red Helm Canada disclaims any and all responsibility and liability for the accuracy, content, completeness, legality, reliability or operability of such third-party websites or the services and resources available on them. Any concerns regarding any such service or resource should be directed to the particular service or resource.
Professional Advice from a Licensed Group Benefits Advisor
It is highly recommended that you obtain independent advice from a licensed group benefits advisor to discuss your needs and budget before purchasing a program to ensure the proper fit. To obtain advice, simply send us an email to admin@Red Helm .ca or visit www.Red Helm .ca and submit your request to connect with an advisor through the Contact Us link. If you choose to purchase a policy without speaking with an advisor first, you confirm you understand that you had the opportunity to access live advice for free and will continue to have access to an advisor after the policy is in force at all times, but have freely chosen to forego speaking with a licensed professional before the purchase and will hold plan providers harmless against any claims regarding not having a clear understanding of the program fit beforehand.
Terms Applicable to the Services
Unless otherwise defined, all capitalized terms used in these Terms have the meanings given to them in Rule H1 (“Rule H1”) of Payments Canada (“PayCan”).
By applying, enrolling, accessing, and/or using the Red Helm Canada Health and Wellness Plans, you confirm that you have read and agree to these Terms & Conditions as well as to the respective plan contract terms and conditions.
Authorized Representative
You are the authorized representative for your incorporated company, sole proprietorship, or partnership who can legally agree and bind to the plan contract terms and conditions. The Plan is being sponsored by a legally incorporated company, sole proprietorship, or partnership, with a true employer/employee relationship.
You and/or other plan members have valid Provincial Health Insurance coverage.
You and/or other plan members are working a minimum average of 20 hours per week to remain eligible.
Period of Subscription Services & Renewal: Unless stated otherwise, the plans are provided as subscription contracts and renew monthly automatically.
Fees and Premiums: a) Premiums are charged in full months in advance on the 1st of the month and will not be pro-rated. b) Stated premiums do not include applicable Federal or Provincial Sales Taxes. Coverage starts on the 1st of the upcoming month.
Payment: a) You understand and agree to the Terms of Payment. b) If you subscribe to any paid Services, you agree to pay the initial and recurring premiums (at the frequency specified at the time of purchase or 1st of the month), plus applicable taxes. Taxes are calculated based on your billing address. c) Each billing period, we will charge the Payment Method (i.e., credit card, or pre-authorized debit (PAD)) that you have provided for the amount due.
Fees and Premium Changes: a) We will notify you in advance if your subscription fee changes. b) You agree to the new fee unless you cancel your subscription before the date the new fee takes effect.
Missed Payments or Nonpayment of Premium: a) If you don’t pay the monthly premium payments in full by the due date, we may terminate your plan or Services. b) You remain responsible for any outstanding amounts, plus any additional fees. c) Automatic re-attempts to collect the payment: Upon non-payment of premiums or following one or two non-sufficient fund (NSF) situations, automatic re-attempts of the payment to the existing payment method will be made for up to 15 days. d) The Grace Period for paying your Premiums: If your Policy is in default, we allow a grace period of thirty (30) days following the last Premium due date (1st of the month) for the payment of premiums. e) Notification: We will attempt to contact you during the Grace Period to pay any amounts owing.
Alternate payment arrangements: a) You may change or update your payment method for paying premiums at any time, including a new credit card or pre-authorized debit. b) In the event of missed payments, we may also offer you the ability to pay via interac e-transfer to resolve any outstanding balances and bring your account into good standing.
Termination of Coverage: a) Voluntary Cancellation: You may cancel your subscription to any paid Service at any time with 30-days’ notice by contacting us in writing at info@Red Helm Canada.ca. If you cancel your subscription, the cancellation will take effect on the last day of your billing cycle following the notice period, unless you agreed to a specific subscription period that is still in progress. In that case, the cancellation will take effect at the end of the subscription period. The billing cycle is the first to last date of each month.
b) Termination of Coverage owing to unpaid premiums: i) If your Premium remains unpaid at the end of the Grace Period, your plan and the associated Services will automatically terminate. ii) In the event of termination, coverage will be retroactively terminated to the 1st day of the prior month and coverage will not be reinstated until all premiums are paid. iii) Upon termination, you may not be permitted to rejoin the plan for 2 years or more based on the sole discretion of The Red Helm Canada at which time you will be required to apply for a new policy. Where any pre-existing condition limitation applies, the new application will re-start the limitation timeline.
c) Fees upon termination: Upon termination, you remain responsible for any outstanding premiums, outstanding account balances, contractual minimums, outstanding contract-term balances, cancellation fees, or any other applicable fees. Please refer to plan contracts and policy documents for more information.
d) Termination of Coverage at the Plan’s Maximum Age limit: Please refer to plan contracts and policy documents for information related to the termination of your plan associated with any Maximum Age set by your plan.
e) Death of the subscriber: i) Please refer to plan contracts and policy documents for information related to the contractual requirements and obligations upon the death of the subscriber. ii) Survivor privileges or continuation of coverage: Please refer to plan contracts and policy documents for information related to any survivor privileges or survivor continuation of coverage, as applicable and if available under the plan.
f) Dependent coverage: Please refer to plan contracts and policy documents for information related to the cancellation of dependent coverage.
Payment made by Credit Card: a) Pre-Authorized Payments Agreement in these Terms and Conditions: i) You acknowledge that Red Helm Canada will perform a pre-authorization of your Credit Card on a monthly basis, or from time to time as required, for the verification of available funds sufficient to pay for a Red Helm Canada invoice. ii) By way of these Terms and Conditions, you provide Red Helm Canada authorization for any other one-time or sporadic debits. This authority remains in effect until Red Helm Canada has received written notification from you of its change or termination. This notification must be received at least 10 business days before the next debit is scheduled at the address provided herein.
b) Authority to Debit Credit Card: i) Online payment using a credit card constitutes a contract between you and Red Helm Canada Please read them carefully. By clicking “I have read and agreed to the terms and conditions.” on the associated application or order form online, you confirm that you accept these Terms, otherwise, do not proceed. ii) Red Helm Canada accepts the following cards: – American Express – Discover – MasterCard – Visa iii) All payments of Red Helm Canada invoices using the online credit card facilities are subject to these terms and conditions. iv) You authorize Red Helm Canada and the financial institution designated (or any other financial institution you may authorize at any time) to begin deductions for regular monthly recurring payments and/or one-time payments from time to time, for payment of all charges arising under your Red Helm Canada account(s). v) Regular monthly payments for the full amount of services as indicated on Red Helm Canada invoice(s) delivered will be debited to your specified account on the date of the billing cycle each month. vi) You acknowledge that these Terms and Conditions regarding Credit Card payments are for our benefit and the benefit of any financial institution that holds the Credit Card account, and is being entered into in consideration of the financial institution agreeing to process payments against your Credit Card Account in accordance with the rules of the Canadian Payments Association. vii) Red Helm Canada may not assign this authorization, whether directly or indirectly, by operation of law, change the control or otherwise, without providing at least 10 days prior written notice to you.
c) Authority: You warrant that: i) You are 18 years of age or over. ii) You have the appropriate authority to validly accept the Online Payment Terms and are able to and will meet your obligations in relation to these Terms. iii) The credit card used in connection with the Services is issued in your name or you are authorized to use the credit card. iv) You will pay the credit card issuer all charges incurred in the use of the Services. v) The information supplied by you is true and correct. vi) When you complete the online application and payment form, funds will be deducted from your credit card in CAD currency. All payments are debited to The Red Helm Canada . Due to the way transactions are processed by the external banking sites, there may be delays of 1-3 days in updating your payment in Red Helm Canada’s records.
d) Credit card payments are secure: i) To ensure the highest level of protection for Institution and End User payment information, Red Helm Canada may rely upon a third party for Credit Card payment processing services (the “Payment Processor”). Payments will be processed directly by Authorize.net (CAD and US dollar transactions) using Secure Socket Layer (SSL) technology. Subscription billing will be managed and maintained by Staxbill (Fattmerchant, Inc.) and/or Authorize.net in their encrypted and secure environment. ii) The services provided by Red Helm Canada, Staxbill (Fattmerchant, Inc.), and Authorize.net are PCI/DSS compliant. iii) Credit card numbers are protected with a high level of encryption when transmitted over the Internet.
e) Payment Confirmation: i) If a payment is successful, you will receive a confirmation of your completed payment. ii) Red Helm Canada will confirm your payment details via email. iii) If a payment fails or is unsuccessful, and you miss a premium payment: – You will be advised that your payment has failed. – Red Helm Canada will not be advised why a payment has failed; therefore, you should contact your bank or credit card provider for details. – Please use one of the other payment methods available to you such as another valid credit card, pre-authorized debit, or interac e-transfer to complete the outstanding premium payment. – Please arrange an alternative payment method promptly to ensure continuous use of Red Helm Canada services and Internet resources. – For more information and steps needed to correct this situation, please refer to Terms applicable to the Services: a) Section 9 Missed Payments or Nonpayment of Premium b) Section 10 Alternate Payment Arrangements c) Section 11 Termination of Coverage
f) Account changes and responsibility to maintain a current Credit Card on file: i) You are responsible to update or change your credit card payment information by contacting us via email at finance@Red Helm Canada.ca. Red Helm Canada will then provide you with instructions how to securely update your credit card payment information. ii) From time to time, we may contact you to update your Payment Method on file.
g) Disclosure of Information: By using Red Helm Canada online application and subscription services you accept and consent to your personal data being provided to Red Helm Canada, and any third party acting on our behalf, for sole purpose of offering and administering the online payment. We respect the privacy of every individual who visits our site. The Red Helm Canada websites have security measures in place to protect the loss, misuse and alteration of the information under our control.
h) Information for Employees: In the event that you are an employee and your employer pays the fees associated with the subscription services provided on your behalf, please contact your employer if you have any questions.
i) Red Helm Canada Terms and Conditions for online credit card payments are subject to change at any time. Each transaction shall be subject to the specific Terms and Conditions that were in place at the time of the transaction. If you have any questions or concerns, please contact support by email at finance@Red Helm Canada.ca. Important security note: Never transmit credit card information by e-mail.
Payments made by Pre-Authorized Debit (PAD Agreement): a) Authority to Debit PAD Account: You, as primary or co-applicant account holder (“you” or “Payor”) authorize The Red Helm Canada (Red Helm Canada, and any third party acting on our behalf) to debit or withdraw from your account at a Processing Member (the “PAD Account”) for the purpose of transferring funds from the PAD Account to Red Helm Canada any payments that you have agreed to make under the listed group policy(ies) and/or as otherwise specified to be made by pre-authorized debit as though you had personally signed a cheque, in accordance with the rules of Payments Canada. Your authorization in this regard, along with these Terms, constitute your “Payor’s Authorization for Pre-Authorized Debits” in accordance with the requirements of the PayCan’s Rule H1.
b) Waiver/Modification of Pre-notification/Confirmation Periods: You understand that changes to the Group Policy(ies) including as applicable, to premium amounts or to the method or required amount of payment (including changes requested to the Terms), to the frequency of timing or the period, or termination and recommencement of automatic payments under these Terms may increase or decrease the amount withdrawn or to be withdrawn from our account. Accordingly, you authorize such changes, waiving any pre-notification requirement with respect to them. The premium due will be the amount stated plus applicable taxes in the monthly premium statement issued to you by us. You waive your right to receive pre-notification under Sections 15 and 16 of PayCan’s Rule H1, and you agree no advance notice will be provided to you in the event of a change in the amount or timing of a PAD. If applicable, you agree to reduce the Confirmation period to three (3) Calendar Days.
c) Account changes: You will notify Red Helm Canada if your financial institution, branch or account number changes. To continue withdrawals without interruption, notice of any change is required 14 days before the change effective date. Red Helm Canada may, but is not obligated to, rely on verbal instructions from us to amend this authorization.
d) Cancellation / Revocation: i) You may cancel your subscription to any paid Service with 30-days’ notice by contacting us in writing at finance@Red Helm Canada.ca. If you cancel your subscription, the cancellation will take effect on the last day of your billing cycle following the notice period, unless you agreed to a specific subscription period that is still in progress. In that case, the cancellation will take effect at the end of the subscription period. The billing cycle is the first to last date of each month. You understand that if any withdrawal is not honoured within the grace period allowed for premium payments, this PAD agreement and the insurance coverage detailed in the premium statement will end without further notice. ii) This PAD agreement may be cancelled if any withdrawal is not permitted or is reversed by the financial institution, or if written notice is provided 30 days before the next scheduled PAD. To obtain a sample cancellation form, or for more information on your right to cancel this PAD agreement, contact your financial institution or visit www.payments.ca. iii) To obtain more information on your PAD agreement, contact your Red Helm Canada group advisor representative. You agree that if pre-authorized payments are suspended, the method of payment may automatically be changed by Red Helm Canada, in its sole discretion, to whatever it then offers on a non pre-authorized debit basis. Red Helm Canada, in its sole discretion, may require a new written PAD agreement if this PAD agreement is cancelled for any reason.
e) Recourse / reimbursement statement: You have certain recourse rights if any debit does not comply with this PAD agreement. For example, you have the right to receive reimbursement for any debit that is authorized or is not consistent with this PAD Agreement. To obtain more information on your recourse rights, contact your financial institution or visit www.payments.ca.
f) No Validation by Processing Member: The Processing Member is not responsible for validating the terms of your Payor’s Authorization for Pre-Authorized Debits in respect of any PAD issued and drawn on the PAD Account. Until cancelled or revoked by you in writing to us in accordance with these Terms, we are authorized to withdraw the amounts you have specified from the PAD Account and credit it to us in accordance with your instructions.
g) Authority: By signing the PAD Agreement associated with your application or order form online, you confirm your Payor’s Authorization for Pre-Authorized Debits is duly Authorized by the valid authority for the PAD Account in accordance with applicable agreements with the Processing Member, and all persons whose signatures are required to authorize withdrawals has read, understood, and agreed to this Payor’s Authorization for Pre-Authorized Debits. Furthermore, you agree that any PAD instructions you provide may only be made in respect of a PAD Account that is held in your name. You agree that a photocopy or electronic copy of this PAD agreement will be as valid as the original.
h) Disclosure of Information: You consent to the collection, use, and disclosure to third parties (including any third party acting on our behalf) of your information, but only as far as any such disclosure is directly related to and necessary for the proper application and processing of the PAD.
i) Confirming withdrawals: You agree to regularly review your account information and if you question or disagree with the amount withdrawn or any account changes, you will notify Red Helm Canada in writing within 10 days of the withdrawal or account changes; otherwise, you agree that the withdrawal or account changes will be considered to have been properly made. For questions related to these withdrawals you may contact Red Helm Canada via email at finance@Red Helm Canada.ca.
j) Non-sufficient funds (NSF) information: i) If there is not enough money in your account to cover the total amount due (“due” as an amount owing, or as an amount otherwise specified to be withdrawn under this PAD agreement), you authorize Red Helm Canada to automatically re-attempt to withdraw the amount due (which may be greater than the amount due at the first attempt). ii) If the automatic re-attempt is also returned NSF (or if Red Helm Canada decides, in its sole discretion, not to make the automatic re-attempt), you understand that pre-authorized payments will be suspended, and possibly cancelled by Red Helm Canada and result in loss of coverage. iii) If a payment is fails or is unsuccessful and you miss a premium payment: – You understand that you are responsible for any NSF charge(s) or other applicable fees. – You will be advised that your payment has failed. – Red Helm Canada will not be advised why a payment has failed; therefore, you should contact your bank or credit card provider for details. – Please use one of the other payment methods available to you such as a valid credit card or interac e-transfer to complete the outstanding premium payment. – Please arrange an alternative payment method promptly to ensure continuous use of Red Helm Canada services and Internet resources. iv) For more information and steps needed to correct this situation, please refer to Terms applicable to the Services: – Section 9 Missed Payments or Nonpayment of Premium – Section 10 Alternate Payment Arrangements – Section 11 Termination of Coverage
k)
Assignment and Enurement: This Payor’s Authorization for Pre-Authorized Debits: i) may not be assigned by you without our prior Written consent; ii) may be assigned by us, and you hereby waive any requirement of prior written notice by Red Helm Canada to you of the assignment of this PAD agreement; and, iii) binds and enures to benefit of Red Helm Canada and the Payor, and their respective successors and permitted assigns.
l) Governing Law and Language: These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and applicable laws of Canada. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario sitting in the City of Ottawa in any action or proceeding with respect to all matters pertaining to these Terms.
m) Contact information: For more information about the Terms (PAD Agreement), contact The Red Helm Canada at admin@Red Helm Canada.ca or call: 1-866-230-5565.
Coverage Terms, Re-enrollment, and Plan Changes
Gold level coverage of the Red Helm Canada Classic plan is only available in year 2, after being enrolled for 12 months or more in the Red Helm Canada Classic Silver plan.
Plan changes can be made when premium rates change on December 1st each year.
Members can only move up or down one level during re-enrolment.
Plan changes cannot be made retroactively.
Ongoing Responsibilities as a Plan Participant
You agree and confirm that:
Family and Life Event Changes: You will report changes to your household within 30 days such as marriage, living common-law (from 12th month), divorce, birth/death of a family member, loss of spousal benefits coverage, updating the status of children over age 21 who are either students or disabled.
Insurer Requests for Information: Respond to any insurer requests immediately such as claim audits, requests for additional claims, or medical information.
Claim Submission Timelines: Submit all eligible claims within the time limits noted in your plan policy, including immediate notification of an Out of Country claim.
Personal Information Changes: Report any changes in name, home address, email address, banking information, gender, etc.
Conversion when employment ends: When you leave your company or employer, complete the application for the conversion of benefits within 30 days of losing your group coverage.
Coordination of Health and Dental Insurance Benefits
Depending on your personal situation, you may have the ability to make a choice regarding your health and dental benefit coverage:
If you are married or living common-law and your spouse is covered through a benefits plan at their work, you can choose one of 3 coverage options:
Opt-out of both health and dental.
Opt-in for single coverage for health and/or dental.
Opt-in for family coverage for health and/or dental.
If you Opt-out or just take single coverage, your spouse/children must be covered for Health and Dental under their employer’s plan. You could only opt back in for family coverage in the future without a medical questionnaire if your spouse lost their coverage through their employer and you reported this change within 30 days of the loss in coverage.
If you are married or living common-law and your spouse is not covered through a benefits plan at their work or if you are single (i.e. not married or living common-law, or have no eligible children) all coverage is mandatory and there is no option to Opt-out.
Copyright
The content of this site is protected by copyright. Users of this site shall be entitled to copy information for their own non-commercial personal use but may not otherwise republish or reproduce any part without the prior written permission of The Red Helm Canada Republishing and reproducing includes any uploading or downloading the information on this site onto the Internet or any other local or international computer system, or otherwise providing access to the contents of this site. An acknowledgment of the source must be included whenever our materials are copied or published. Any infringement of our rights will result in appropriate legal action. The Red Helm Canada Platform In. disclaims any and all liability that may result from any unauthorized reproduction or use of the information on this site.
Trademarks
The Red Helm Canada and its affiliated companies respectively own or properly license all the trademarks used on or in connection with the goods and services which they provide. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved.
Disclaimer
Information provided on this site, including unit values, is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times
Advisor Disclosure – Red Helm Canada Ltd.
Licensing
As specialists in Group Benefits products and services, the following Licences, Professional Designations and/or Accreditations are valid and actively maintained:
Broker / Dealer Licenses
Stephane Perron Life Insurance
Accident & Sickness Insurance
Red Helm Canada Ltd.
300-116 Albert Street, Ottawa, Ontario, K1P 5G3
Insurance Investments
(BC, ON,)
Request for Service, Information, Review and/or Quote
For the purposes of this online engagement, the suite of Red Helm Canada-branded group benefits products and services are presented and have been made available on a click and buy basis.
By accessing and applying for the Red Helm Canada-branded products and services offered by Red Helm Canada Ltd. we will, as your Advisor, assist you in your request for further information, financial product placement or product servicing specific to your need. On a case-by-case basis depending upon client needs, Red Helm Canada Ltd. will be able to assist you directly and/or we may refer you to other qualified professionals or referral partners (“Associates”). Only approved and qualified Associates will be contacted to reach out to you. To provide timely and efficient service, you may be contacted via electronic communication methods. All efforts will be made to ensure secure, encrypted transmission of private information. You acknowledge awareness that all communications, the collection, and transmission of private information will be conducted in accordance with applicable Compliance Regulations, Privacy Legislation and Errors and Omissions Insurance requirements and authorize the use of electronic communication methods and you acknowledge awareness that there remains a risk that information may become unsecured after transmission. Your consent will remain effective until such time as you retract this consent in writing.
Other programs and services are available through Red Helm Canada Ltd. and/or referral partners by contacting Red Helm Canada Ltd. (see Contact Us within).
Scope of Services
If you would like to explore other retail insurance products and services across different lines of insurance, please contact us directly.
The scope of our services includes the following:
Business Services
Group Insurance – sole proprietor, medium, large-size businesses
Group Travel
Health Trusts, Private Health Services Plans
Insurance Coverage (Income and Asset Protection)
Health and Dental Insurance
Health & Wellness Spending Accounts
Travel Insurance
Disability Insurance (injury; illness)
Life Insurance – Term, Whole Life, Universal Life (Life)
Long-Term Care Insurance (LTC)
Business Overhead; Fracture; AD&D
Critical Illness (CI)
Investments (Retirement Planning, Wealth Creation, Estate Preservation)
Segregated Funds/ GMAWBs / GMLBs
Pooled Funds
Private Portfolio Management
Manulife Bank Advantage Banking (Chequing, Savings)
TFSAs, RRSPs, RRIFs, LIRAs, LIFs, RDSP
RESPs (Registered Education Savings Plans)
Contracted Carriers / Referral Partners and Corresponding MGAs
The following is a limited sample of Contracted Carriers / Referral Partners and Corresponding MGAs:
Carrier / Referral Partners
Financial Horizons Group
People Corporation
SBIS - Special Benefits Insurance Services
Benefits by Design
Group Benefitz
Simply Benefits
The Benefits Trust
Edge Benefits
21st Century Travel Insurance
Allianz Global Assistance
Assumption Life
Equitable Life
Ivari
JF Insurance
Sunlife
TourMed
UV Insurance
Azimuth Risk Solutions
Beneva
BMO Life Insurance
Canada Life
Foresters Financial
IMG Global
Manulife
SLI - Specialty Life Insurance
Travelance
Wawanesa Life
MyHSA
Canada Protection Plan (CPP)
Cigna Global
Desjarding Financial Security
Green Shield Canada
Industrial Alliance
Ontario Blue Cross
RIMI Secure Travel
Trawick International
CanAm Insurance
Pacific Blue Cross
Destination Travel Group
Empire Life
GMS - Group Medical Services
Humania Assurance
MSH International
RBC Insurance
TUGO
HotSpot Cover
AwayCare
TruStone Health
Red Helm Canada Ltd. and its advisors are currently contracted with each of the above carriers/referral partners listed above. At a minimum, we obtain necessary contracting with all carriers/referral partners listed above (and others) based on the specific insurance and/or financial needs of each client.
Consent
In requesting further information regarding the services and products indicated above, you consent to your personal information being disclosed to the appropriate representative(s) as required. This information will be held in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA). Note: Additional consent forms and disclosures may be required of me at time of application and as specific products are purchased.
Commissions, Sales Charges and Fees
You acknowledge that Red Helm Canada Ltd. and/or its Advisors and/or Associate(s) may receive an initial and/or ongoing
commission or referral fee on the products and services listed above. You acknowledge that any products sold through prospectus, information folders, offering memorandums, or referral arrangements for which Red Helm Canada Ltd. is not specifically licensed may or may not fall under its Errors and Omissions insurance coverage. Financial products often include embedded commission, sales charge options and ongoing fees. Some costs are chosen or imposed during the beginning of the sale process or upon early redemption of placed funds. Be sure to ask your advisor for details of any fees and how they may affect your future transactions and returns to choose the right option for your circumstance.
Indemnification of Red Helm Canada Ltd. and/or its Advisors and/or its trusted Associate(s)
By completing and signing this online application, you indemnify Mosley Group Benefits Inc, its Advisors, Associates, Referring Agents, all associated Dealerships against any and all losses and/or damages that may associated with any/all products purchased through referral arrangement to a licensed or unlicensed seller. You acknowledge and agree that Red Helm Canada Ltd. is not responsible for the proper placement of any referred product or its appropriateness for my situation. You will consult the duly-licensed seller as to the appropriateness of each product of interest.
Declaration of Other Business Activity
Stephane Perron and Red Helm Canada Ltd. declare their participation in no additional business activities other than those associated with the above.
Stephane Perron declares that he currently has common ownership in Red Helm Canada Ltd. and The Red Helm Canada
Every effort will be made by Mosley Group Benefits, its Advisors, and/or its trusted Associates to ensure no conflicts of interest, whether actual or perceived, arise. All advising and product suggestions provided by Mosley Group Benefits, its Advisors and/or its trusted Associates will be solely carried out in the best interests of the client based on information provided by the client.
Furthermore, you hold harmless Red Helm Canada, its Advisors, Associates or Referring Agents who may be without license and attest that they have not held themselves out to be a licensed representative, for which they are not. Nor have they described in any leading detail the products for which you have been referred and for which they are not licensed or approved to sell. It is with your full consent and authority that Red Helm Canada Ltd. will pass your personal information to a referred professional, where it is deemed they could best review your needs based on what you have disclosed to Red Helm Canada Ltd. at this time.
Contact Us
Should you have any questions or require additional information, please send an email to
[email protected] to schedule an appointment with a licensed advisor to review other market product information, obtain quotations, and perform analysis for fit.
Email:
[email protected]
Toll-free: 1.866.230.5565
Website: https://redhelm.ca
