Flexible benefit options

We support the total well-being of you and your family. You have a number of flexible benefit options to choose from so you can create the perfect plan for what matters most to you.

1. Employee (you only)

You can pick this level of coverage even if you have an eligible spouse and/or child.

2. Employee + 1 (you + one dependent)

The dependent can be your eligible spouse or your only child.

3. Employee + 2 or more (you + more than one dependent)

This could be you, your eligible spouse, and one or more dependent children. It could also be just you and two or more dependent children.

1. Option 1 – Opt-out

Fully covered by flex credits

2. Option 2 – Basic coverage (default coverage at no cost to you)

Partially covered by flex credits. Remaining cost covered through payroll deductions.

3. Option 3 – Intermediate coverage
4. Option 4 – Enhanced coverage

For you

  • Coverage is available in $10,000 increments, up to a maximum of $1 million
  • Evidence of insurability is required on all amounts

For your spouse

  • Coverage is available in $10,000 increments, up to a maximum of $500,000
  • Evidence of insurability is required on all amounts

For your dependent children

  • Coverage is available in $5,000 increments, up to a maximum of $25,000
  • Evidence of insurability is not required

For you

  • Option 1: 24-hour basic coverage on or off the job, three times your benefit earnings up to $1.2 million
  • Option 2: Coverage is available in $5,000 increments (you must also purchase option 1 with this coverage), up to a maximum of the lesser of your basic coverage amount or $500,000. Option 1 and Option 2 combined with your basic AD&D benefit cannot exceed $2 million.

For your spouse

  • Coverage is available in $5,000 increments, up to a maximum of $100,000

For your dependent children

  • $10,000 coverage per child

Evidence of insurability is not required under any option.

You can increase your LTD coverage through a “buy-up” option, meaning you pay the difference between the basic and premium coverage. Johnson & Johnson continues to pay your basic LTD premiums.

  • Buy-up option coverage is 66 2/3% of benefit earnings
  • The maximum monthly LTD benefit is $15,000 per month
  • Both LTD options provide you with taxable income if you become disabled
  • Evidence of insurability is required

You can direct excess flex credits to your HCSA to help pay for eligible medical and dental expenses not covered by:

  • Your provincial health plan
  • Your Johnson & Johnson benefits plan, including deductibles and co-insurance
  • Your spouse's benefits plan (if applicable)

Keep in mind you can also use your HSCA to cover the cost of medical and dental expenses in excess of your covered maximums.

Wondering how the options compare?

Check out this plan comparison chart overview

You can also visit the For Your Benefit portal   and go to Benefits & Health > My Benefits Plan. There, you’ll find complete details about what’s covered to help you choose the right options for your needs.

Understanding flex credits