Employee Group Benefit

Employee Group Benefits and Extended Health Care are related, but not identical. Here’s how they differ:​

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1. Employee Group Benefits (EGB):

This is a package of insurance and wellness benefits provided by an employer to its employees.

It usually includes:
   •    Extended Health Care
   •    Dental coverage
   •    Life insurance
   •    Disability insurance (short & long term)
   •    Accidental death & dismemberment (AD&D)
   •    Vision care
   •    Employee Assistance Programs (EAPs)
   •    Sometimes includes travel insurance or critical illness insurance

Think of this as a bundle of several types of protection.

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2. Extended Health Care (EHC):

This is one part of the group benefits package. It covers health-related expenses that aren’t covered by provincial health care, like:
   •    Prescription drugs
   •    Paramedical services (e.g., physio, chiro, massage)
   •    Vision
   •    Medical equipment
   •    Emergency travel medical​

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In Simple Terms:
   •    Extended Health Care = a single benefit (medical-related)
   •    Employee Group Benefits = a full plan that includes extended health care plus more