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We believe in forward-thinking with our products and leveraging new digital technologies to make group benefits simple, fast and easy. Our goal? To be Canada's most convenient insurance and investment company.

Navigating our healthcare system can be difficult and complicated, especially when facing a life changing health diagnosis. Best Doctors offers members access to an extensive global network of physicians covering over 450 specialties and subspecialties to get expert assistance with a diagnosis, treatment review, or gathering information about your medical history.

DISCLAIMER: Representations about Teladoc are those of Teladoc Health Inc., and not Empire Life. © 2020 Teladoc Health, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc Health, Inc. and are used under license. Teladoc and Teladoc physicians are independent contractors and are not agents of Empire Life. All representations about the services of Best Doctors are those of Best Doctors, Inc. and not The Empire Life Insurance Company. Best Doctors® and related trademarks shown are trademarks of Best Doctors, Inc.

Mental health is a significant challenge for Canadians, and many individuals are not getting the help they need. Mental Health Navigator provides members virtual access to psychologists and psychiatrists who can provide a mental health assessment, diagnosis and accompanying treatment plan for a new condition or review an existing diagnosis and treatment approach.

Disclaimer:
Mental Health Navigator is available to plan members and their dependants who have extended health benefits with Empire Life. You must be 18 years of age to use this service. Best Doctors is part of Teladoc Health Inc. Representations about Best Doctors services are those of Teladoc Health Inc., and not Empire Life. © 2020 Best Doctors and the star-in-cross logo are trademarks of Best Doctors Inc., in the United States and in other countries, and are used under license.

Whether it is long wait times, lack of same-day or convenient appointments, or COVID-19 related barriers, many Canadians are not getting the care they need when they need it. Telemedicine by Teladoc provides members with 24/7 access to licenced physicians in Canada and the USA so members can get the high-quality care they need at times when it is most convenient for them.

DISCLAIMER: Representations about Teladoc are those of Teladoc Health Inc., and not Empire Life. © 2020 Teladoc Health, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc Health, Inc. and are used under license. Teladoc and Teladoc physicians are independent contractors and are not agents of Empire Life. All representations about the services of Best Doctors are those of Best Doctors, Inc. and not The Empire Life Insurance Company. Best Doctors® and related trademarks shown are trademarks of Best Doctors, Inc.

To help combat the national emergency of the opioid crisis, Empire Life's opioid management solution is included with all pay direct drug plans (except Quebec). This solution focuses on prevention and intervention by minimizing opioid exposure to prevent misuse of these powerful drugs for members who are using them for the first time or have not taken them in the past six months. The drug therapy and pain management will be more precisely controlled; plan members will be encouraged to use these drugs with caution, and excess opioids will be limited.

Our dedicated disability claim experts continuously conduct research and participate in industry groups. In this way, our approach to disability management reflects the most up-to-date art and science. We provide an extensive range of disability management services that follow industry best practices—which means employees receive the support they need when they need it.

As part of our robust set of disability tools, pharmacogenomics provides the potential to help disabled plan members get the right medication based on their genetic makeup. This way, their treatment program can be more effective. While this is a relatively new field, we see significant opportunities to improve our plan members’ outcomes.

Disability management teams have used predictive analytics for many years. The volumes of anonymized data that have been compiled help Empire Life deliver more precise, cost-efficient treatment - resulting in a faster return to work. Questionnaires are sent to claimants and their employers to build these data sets. That way, a comprehensive understanding of the member’s work and personal life can be obtained. These questionnaires gather the necessary psychosocial data to assist our claims team in better understanding all aspects of the member’s life situation. These results help ensure we align the right type of assistance based on the claimant’s needs.

Mental health disability claims are a significant challenge. These claims are typically challenging to adjudicate, and getting disabled members the help they need can be difficult. Internet-based Cognitive Behavioural Therapy (iCBT) can help by providing virtual access to therapists who can help claimants obtain the skills necessary to return to work. While CBT is not new, having this available virtually is. So, if someone needs help and is reluctant to leave home, or perhaps lives in a rural setting, iCBT can help deliver the right support to the member when and where it is needed.

While working in a foreign country can be exciting and rewarding, it may present some challenges when accessing healthcare. This new Telemedicine service provided by AXA's ‘Doctor Please!’ app and offered through Empire Life can offer globally mobile employees 24/7 access to licensed providers from any mobile device in multiple languages. Adding this new Telemedicine service creates additional assurance that members will have access to care when they need it.

DISCLAIMER: Voyageur Global Benefits is a Canadian group insurance benefit program that is governed by the laws of Canada and that is underwritten by Empire Life, an insurance company domiciled at 259 King Street East, Kingston, ON K7L 3A8. Empire Life is the Canadian insurance company that provides the benefits under the insurance policies it issues. Voyageur Global Benefits is administered on behalf of Empire Life by Delaware American Life Insurance Company, a MetLife, Inc. affiliate domiciled at 600 North King Street, Wilmington, DE 19801, U.S.A. Teleconsultation services are arranged through AXA Assistance USA and are provided by a third-party teleconsultation provider.

Rising costs of medications and a substantial pipeline of high-cost drugs are some of the reasons why some small and medium-sized businesses are looking for added protection. In case one of their employees would be diagnosed with an illness that requires high-cost medications for treatment. Our unique $7,500 drug only stop-loss can provide risk-averse businesses added protection for their benefits plans should one of their employees be diagnosed with a condition that requires a high-cost medication.