As COVID-19 Continues To Evolve,
We Are Here To Help.
The continued spread of COVID-19 has forced communities, businesses and governments to adjust to an ever-changing reality. From cancelled conferences to the closing of rental locations, COVID-19 has brought a period of uncertainty to the entire Canadian business community. We want to ensure that we are providing CRA members with the latest information, guidance, and resources as the COVID-19 situation evolves.
Our Service Teams
We have taken measures to ensure that all our employees are available to provide continued service during this period of uncertainty. We are confident that these measures will allow us to carry on our normal business operations during our regular office hours of 8:00 am to 5:00 pm Central Standard Time, Monday to Friday.
Brenda Franz, Commercial Insurance Advisor
Phone: (204) 943-0331 ext. 7272
Toll Free: 1-800-665-8990 ext. 7272
Ryan Steinhoff, Commercial Insurance Advisor
Phone: (204) 943-0331 ext. 7230
Toll Free: 1-800-665-8990 ext. 7230
John Gillespie, Director
Phone: (204) 943-0331 ext. 7384
Toll Free: 1-800-665-8990 ext. 7384
Employee Benefits Service
Mark Hampton, Director
Phone: (204) 943-0331 ext. 7345
Toll Free: 1-800-665-8990 ext. 7345
Rudy Penner, Director
Phone: (204) 943-0331 ext. 6163
Toll Free: 1-800-665-8990 ext. 6163
Frequently Asked Questions
IS THERE COVERAGE FOR LOSSES RELATED TO COVID-19?
Many of our clients have inquired whether their policy would cover them in the event of a business interruption related to COVID-19. The short answer is that there is generally no coverage under most insurance policies for losses from the COVID-19 pandemic. Each case may be different so please reach out to your Insurance Advisor for more details about your specific circumstance.
WHAT SUPPORT IS AVAILABLE FOR CANADIAN BUSINESSES?
The Government of Canada has announced a variety of supports for Canadian businesses that have been impacted by the ongoing COVID-19 pandemic. To learn more about these support initiatives available please visit: https://www.canada.ca/en/department-finance/economic-response-plan.html.
ARE THERE COUNSELLING SERVICES AVAILABLE FOR MY EMPLOYEES?
If your policy includes Long Term Disability coverage, you have access to the Acumin Business Assistance Program. Acumin includes a counselling referral component for employees and human resource guidance for managers.
If your policy includes the Arive EAP coverage, employees and dependents have access to additional support through a self-referral counselling process.
DO I QUALIFY FOR SHORT-TERM DISABILITY IF I HAVE BEEN QUARANTINED OR DIAGNOSED WITH COVID-19?
If an employee is diagnosed (positive COVID-19 test), is symptomatic and disabled, we will waive the waiting period, regardless of contract wording on hospitalization. The same would apply to an individual who has a confirmed COVID-19 diagnosis and required to be medically quarantined for 14 days.
If an employee is symptomatic but has not been tested for COVID-19, the employee can apply for STD benefits and the contractual waiting period would apply. If the employee is not able to work at home and if found to be disabled (symptoms would need to restrict the employee from their job duties), STD would be eligible.
If an employee has no symptoms but is told to quarantine by a government or a healthcare professional, they would be asked to work from home if possible. If work from home is not possible, STD does not cover this type of absence and this employee would be directed to Employment Insurance (EI) sickness benefits.
AM I ELIGIBLE FOR EXTENDED HEALTH COVERAGE?
If your plan includes Extended Health Care there are some important features that may be eligible for COVID-19 related illness including, prescription drugs, medical items & supplies and hospitalization. For specific details on your policy please contact your Insurance Advisor.
Currently, people who take maintenance drugs can get up to 90 days of supply. There is no industry recommendation to change this policy to protect the drug supply and ensure all Canadians have access to prescriptions when they need them. Pharmacies are also providing delivery service in the event an employee is unable to pick up their medication.