Employee benefits summary:

Fixed term employees (1 year or more contracts) and co-op/summer students with benefits
Benefit Year: June 1-May 31 Updated February 2021
 Employee benefits 1. Benefit year
summary: 1.1 Effective - June 1 – May 31

Fixed term employees (1

2. My insurance
year or more contracts)
2.1 Health plan comparison (core health plan vs.
and co-op/summer supplementary health plan)
students with benefits 2.2 Dental
2.3 Disability

At Deloitte, we have created a

comprehensive benefits
package designed to be as
diverse as our people.
Whether you are single or have
a family, our benefits plan is 3. My Benefits Dollars
designed to provide a range of
plans and options to meet your
needs – including offering a
wellness program designed
with your health and well- 4. My retirement planning
being in mind.

Employees who are on fixed

term contract with benefits
(contracts greater than or 5. My well-being
equal to one year in length) as
5.1 Employee & family assistance program
well as co-ops and summer
students with a minimum 15 5.2 Virtual healthcare
hours per week are eligible for 5.3 Vacation
these benefits.
5.4 Personal/wellness days
Employee Benefits Summary: Fixed Term & Coop/ Summer Students
My insurance
Health plan comparison (core health plan vs. supplementary health plan)
Dental
Disability

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My insurance
Health plan comparison
Core health plan Supplementary health plan

Drug coverage Once you exceed the annual deductible limit (single, $500; family, $750), your Your prescription drug costs will be reimbursed as follows:
prescription drug costs will be reimbursed as follows:
• Split reimbursement of 80% for brand name drugs expenses and 100% for
• Split reimbursement of 80% for brand name prescription drug expenses and generic drugs
100% for generic drugs. • Out of pocket maximum of $1500 per person; once reached brand name drugs
• Out-of-pocket maximum of $2,000 per person; once reached brand name drugs are covered at 100%
are covered at 100%. • Lifetime maximum of $1,000,000
• Lifetime maximum of $1,000,000.
Once you enroll, you are locked in for 1 benefit year.

Vision care • No coverage • Plan pays 100% of expenses to a maximum of $200/24 months.

Mental health • Treatment by: family therapist, psychotherapist, psychoanalyst, clinical • Treatment by: family therapist, psychotherapist, psychoanalyst, clinical
support counsellor, social worker or pychologist up to a combined maximum of $4,000 counsellor, social worker or pychologist up to a combined maximum of $4,000
per individual per benefit year, 100% coinsurance. Internet-based cognitive per individual per benefit year, 100% coinsurance. Internet-based cognitive
behavioural therapy (iCBT) services from any of the above qualified providers in behavioural therapy (iCBT) services from any of the above qualified providers in
your province of residence are also an eligible expense under the psychology your province of residence are also an eligible expense under the psychology
benefit. benefit.
• Coverage applies to in-person, teleconference, and online counselling services. • Coverage applies to in-person, teleconference, and online counselling services.

Paramedical • No coverage • Coverage for services such as massage, chiropractor, speech therapist etc.
services • Treatment: 90% per specialty area to maximum of $300 per benefit year
• Diagnostic: 90% per specialty area to maximum of $50 per benefit year

Hospital room • No coverage • Plan pays 100% of the cost to a daily maximum of $150 for a semi-private
hospital room.
Other expenses • No coverage • Plan pays 90% of all other eligible expenses, including but not limited to:
vaccines for deadly diseases, emergency ambulance services, etc.

Out-of-country • Plan covers cost of emergency treatment in excess of the provincial plan. • Plan covers cost of emergency treatment in excess of the provincial plan.
coverage Reimbursement is based on 100% of usual, reasonable and customary charges Reimbursement is based on 100% of usual, reasonable and customary charges
for both business and leisure with a 180 days trip duration. Lifetime maximum for both business and leisure with a 180 days trip duration. Lifetime maximum
of $5M of $5M

Premiums Automatic for you and your dependents on your first day of employment. The firm Voluntary for you and your dependents on your first day of employment. Shared
pays the entire cost. cost between yourself and the firm.

Note: Some drugs have limited coverage. To find out about drug coverage level and Note: Some drugs have limited coverage. To find out about drug coverage level and
eligibility, please contact our insurance provider for detailed information. eligibility, please contact our
Employee insurance
Benefits provider forFixed
Summary: detailed information.
Term & Coop/ Summer Students
 My insurance
Dental

Voluntary for you and your

Plan A Plan pays 100% of eligible expenses (as per the current fee guide) up to dependents on your first day of
$1,000/year/person for preventative, diagnostic, minor restorative and surgical employment.
services.
Shared cost between yourself
and the firm.
Once you enroll, you are locked in for 1 benefit year.

Waive dental coverage You also have the option to waive dental coverage if you don’t need it

You call enroll in the firm’s dental plan during the next annual enrollment period or
if you have a life event change

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My insurance
Disability

If you become ill, your first three days away from work are considered paid sick leave. Employees who are away from work for more than three days are not eligible for
further paid sick leave or short-term disability benefits.

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

My Benefits Dollars
4 Options

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My benefits dollars (MBD)
Four options

All employees receive my benefits dollars (MBD). Inbound mobility assignees, fixed-term contract workers, and co-op/summer employees receive
an amount of $50 per pay until your assignment ends. You may need to bank your MBD before you can use them. You can allocate your MBD as you
like to the following three options:

Option 1: health spending Allocate your MBD to your health spending account (HSA) to cover eligible dental
account (HSA) and medical expenses or to pay for your health and dental premiums

Option 2: personal spending Allocate your MBD to your personal spending account (PSA) to pay for eligible
account (PSA) wellness related activities, equipment or lifestyle management services, green living
items or services for yourself Automatic on your first day of
employment. The firm pays the
entire cost.
Option 3 & 4: Deloitte group Invest in Deloitte’s group RRSP. To do this you will need a Deloitte group RRSP
registered retirement savings account with Manulife. Contact Manulife to find out how to open your account. If you
plan (RRSP) plan member and don’t open an account, the money allocated will be returned to Deloitte and you will
Deloitte group RRSP spouse lose this amount. You can direct your MBD allocation directly into your Deloitte group
RRSP or your Deloitte group RRSP for your spouse

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

My retirement planning
Group registered retirement savings plan (RRSP)
Group tax free savings account (TFSA)

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My retirement planning
Group registered retirement savings plan (RRSP) and group tax free savings account
(TFSA)

Group RRSP A choice of investment funds is available through automatic payroll deduction. Voluntary on your first day of
You are eligible for one free withdrawal or transfer per calendar year; there are employment.
no annual administrative fees or charges for transfers between funds. Also, there are
no front-end or back-end charges for buying or selling any of the market related funds. You are responsible for the cost.
You have complete flexibility with your investment decisions.

Group TFSA A choice of investment funds is available through automatic payroll deduction up to a Voluntary on your first day of
maximum of $6,000 per year. There is a fee of $25 per withdrawal; there are no employment.
annual administrative fees or charges for transfers between funds. Also, there are no
front-end or back-end charges for buying or selling any of the market related funds. You are responsible for the cost.
You have complete flexibility with your investment decisions.

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

My well-being
Employee & family assistance program (EFAP)
Virtual healthcare
Personal/wellness days

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My well-being

At Deloitte, we recognize that balancing the demands of work and personal life can be a challenge for many of our
professionals. Therefore, our comprehensive benefits program also includes wellness plans designed to help maintain a sense
of physical and emotional well-being by offering options such as:

Automatic for you on your first

• Personal spending account (see ‘My Benefits Dollars’ – Option 2) day of employment.
• Family Support Services – designed to support our people by providing temporary child care or caregiver support for an
elderly relative, when regular arrangements break down The firm pays the entire cost.
• Flexible working hours
• Working remotely (within Canada)
• Personal flexibility arrangements (PFA)

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My well-being
Employee & family assistance program (EFAP)

Our EFAP provider offers a voluntary, confidential counselling and information service, covering a broad range of personal
and work-related concerns that you and/or your family members may be experiencing. Specialized support areas include:
Automatic for you and your
dependents on your first day of
• Career counseling • Online smoking cessation program (online support 24/7/365) employment.
• Online stress management program • Health coaching
• Online financial planning service • Naturopathy The firm pays the entire cost.
• Online enhancing your relationship • Nutritional services
program

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My well-being
Virtual healthcare

Our virtual healthcare provider offers easy access to professionals from the comfort of your home or office, 24 hours a day, 7
days a week via a mobile app or web page. You’ll be able to chat with a nurse regarding any questions about your health or
consult with a doctor via a secure video if a diagnosis or prescription is required.

Automatic for you on your first

You can access Virtual healthcare to: day of employment.

• Receive or renew prescriptions, request blood work or a referral to a specialist; The firm pays the entire cost.
• Consult for minor conditions (allergies, UTI, skin irritations, etc.);
• Ask questions related to your children’s health;
• Consult the medical team for any questions related to stress, insomnia and anxiety.

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My well-being
Vacation

• For fixed term employees, vacation is 15 days per year. Those at Manager level (or equivalent) and above receive 20 days Vacation accrual begins on your
of vacation per year. first day of employment.

• For co-op, summer students, and other temporary employees, vacation is paid at the rate of 6% of gross pay minus
applicable taxes and any vacation taken at the end of the employment term, unless otherwise required by provincial
employment legislation.

Employee Benefits Summary: Fixed Term & Coop/ Summer Students

 My well-being
Personal/wellness days

The firm provides three days other than vacation for personal commitments. These are pro-rated based on hire date. Automatic on your first day of
employment.
For co-op employees eligible for benefits, personal/wellness days will be pro-rated as follows:
• If you are on a four-month co-op term, you will receive one day
• If you are on an eight-month co-op term, you will receive two days

Employee Benefits Summary: Fixed Term & Coop/ Summer Students