Frequently Asked Questions

Employers  must be incorporated in Ontario and Alberta with at least three (3) full-time  employees residing in the Province, and covered by a provincial health plan  within Canada.

Employers located outside of Ontario and Alberta are not currently eligible.

Some  employer industries are not eligible for this plan. You will be asked  to provide your industry in order to obtain an online quote. In this situation you can contact us directly to obtain a customized plan  and quote appropriate to your industry.

 Actively working on a full-time basis for at least 20 hours per week. Employees must be 16 years of age.  

Employees  on leave at the time of purchase, or at the time the plan goes into  effect are not eligible for benefits until they become actively employed  again.

The CHLIA provisions require the insurer who had the  policy at the time the employee became disabled to continue to be  responsible for certain benefits.

Any employees who are not  actively at work due to a disability at the time of enrollment will need  to be identified to Viver after you purchase the plan in order to make  appropriate benefit arrangements for these employees.

• Basic Life Insurance
• Accidental Death and Dismemberment Benefits
• Dependent Life Insurance
• Employee Critical Illness Benefit
• Dependent Critical Illness Benefit
• Extended Health Care Benefits
• Dental Care Benefits
• Long Term Disability Coverage
• Health Care Spending Account
• Personal Spending Account
• Second Opinion Consult
• Employee Assistance Program

This  product offers you flexibility to select between products and coverage  options within specific products. If you are interested in adding a  benefit which is not visible in the tool, this can be arranged by  contacting us. If you are not working with an advisor, we’ll  assign one to you to help you with this request.

The list of available benefits will increase over time, and we’ll let you know as new ones are added.

Depending  on the coverage you select for your members, benefits may require  evidence of insurability (EOI) for coverage above certain non-evidence  maximums. Please refer to “What Products Are Available in This Plan” for  additional information about EOI requirements by benefit.

If your  employees currently have approved coverage under your prior group  benefits plan, we may approve these members without requiring EOI, only  if there is no change in the insurance benefits schedule:
– up to the same coverage of your prior plan amount or $300,000 for basic life, whichever is less and
– up to the same coverage of your prior plan amount or $50,000 for critical illness, whichever is less.

In  order for us to replace prior coverage approved for individual  employees, you will be asked to upload a copy of your last bill showing  the employees’s coverage amounts in force after you complete the  purchase process.

You can select coverage to start on the first of the following month,  as long as it is at least 15 days in the future to allow employees to  enrol in their benefit plan.

Most companies require 30 days  cancellation notice. Please ensure that your preferred plan effective  date is at least 30 days in the future. We recommend not cancelling your  existing coverage until final approval of benefits is received from  Viver Health.

You must ensure there is no overlap in coverage between your current plan, and the Viver plan.

 Most companies require 30 days cancellation notice. Please ensure that  your preferred plan effective date is at least 30 days in the future. We  recommend not cancelling your existing coverage until final approval of  benefits is received from Viver Health.  

Once  you sign-up, you will be asked to provide simple information about your  employee population, your industry and your budget. With this, the  application will recommend an appropriate benefit plan, and allow you to  adjust this recommendation to add or remove benefits, and increase or  decrease coverage for each benefit, in order to find the plan that  resonates best with your needs and budget.

Once you are satisfied  with this plan design and quote, you can complete the purchase process.  Once this is completed, you will be able to upload your employee  information, and your employees will be sent a communication in order to  access their Member Portal, add their dependents and beneficiaries, and  view their plan information.

 You decide the budget, and we recommend a plan. Our plan design tool  allows you to see what other employers are offering for each benefit, to  help you design a plan that is competitive to attract talent to your  organization. 

You will need a credit card for the initial purchase which will be equivalent to the first months premium.

After  this, your premiums will automatically be collected via direct debit on  a monthly basis. You will need to provide your banking information once  you are given access to the plan administration website. You will be  notified when your monthly bill is ready for review.

 Once you make a purchase, a customized digital member booklet will be  provided to you to distribute to eligible members. Once members are  uploaded to the Administration system, they will also be able to access  this booklet online whenever they choose. 

 Contact us to speak with a licensed advisor about your industry. 

 All employees of the same work class have to be offered Group benefits.  For example, all managers must participate in the benefit plan, or all  full-time employees must participate in the benefit plan. 

 Your employees who have coverage through a spousal benefit plan can opt  out of health and dental benefits by provinding the other insurers  policy information during their online enrollment. 

 You should register them with Viver as soon as they are hired. All new  employees will automatically be given coverage after 3 months. If you  need to waive the waiting period for any reason, you can contact us for  an exception. 

 The quoted premium excludes taxes on premium as these change depending on the province of residence of each employee. 

  Viver was created as a technology  platform that simplifies the group benefits plan design, quoting and  setup experience for small business owners, and helps advisors access  this market with a simple and efficient product. 

SEB  Admin is the company providing the technical solutions that support the  plan selection and day-to-day administration website, including the  employee's Portal.
SEB also provides Contact Centre  support for these sites, to help plan sponsors and employees navigate  and participate in the plan.

After  you select your plan and complete your the initial payment, you will  receive your login information for the administration application along  with instructions to upload your employee's information.
We will also share with you all of the information you need to use the system, and get help with the onboarding process.
Once you do this, your employees will receive an  email with a link to access their member portal, and review and update  their dependent, benefit and beneficiary information.
Your employees can also download the forms required to apply for  coverage above the Non-evidence Maximum of your plan, if applicable.

     All employees of the same work class have to enroll and participate in  the plan. During enrollment, employees can choose to opt-out of the  health and dental benefits if they and their dependents are covered  under a spousal plan. In this case, the other insurers name will need to  be provided during employee enrollment. 

     Once you add your employees into the Administration system, you can  provide your last monthly bill from your prior carrier group benefits  plan. We will review the previously approved amount, and provide  employees with the greater of the non-evidence maximum of your new plan  or the amount they were previously approved for, up to $300,000 for  Basic Life Insurance, and $50,000 for Critical Illness benefit.