Public Life Insurance: What You Need To Know

American Public Life Insurance Company (APL) is a leading provider of voluntary worksite benefits, offering a fully customisable suite of products to meet the specific needs of groups. Founded in 1945, APL offers workforce benefits that cover costs when major medical insurance doesn't, helping individuals and families with out-of-pocket expenses. With offices in Mississippi and Oklahoma, APL is licensed to conduct business in 49 states and has an A+ financial rating. APL provides benefits solutions with proven results, including gap insurance, accident insurance, and term life insurance.

Public Service Health Care Plan

The Public Service Health Care Plan (PSHCP) is an optional health care plan for federal public service employees and their dependants in Canada. It is one of the largest private health care plans in the country, providing coverage for a wide range of health-related products and services. The PSHCP is designed to supplement provincial or territorial health insurance plans, ensuring that members and their eligible dependents have access to comprehensive health care.

The plan covers a variety of health-related expenses, including medical and dental costs, and provides emergency travel assistance. It also offers reimbursement for medical expenses incurred while travelling. Members can submit claims for reimbursement online and access a range of resources and updates through the PSHCP website and monthly bulletin.

The Public Service Health Care Plan is administered by Canada Life, which provides continued service to members even during a national postal disruption or labour disruption. Members can enrol in the plan, create an online account, and access their benefit card and plan number through the Canada Life website.

American Public Life Insurance Company (APL), founded in 1945, is another provider of voluntary worksite benefits. APL offers a range of customizable products, including MEDLink® Gap Insurance, which helps pay for out-of-pocket medical expenses. APL is licensed to conduct business in 49 states and has a financial rating of A+ (Superior) through AM Best.

Public Service Dental Care Plan

The Public Service Dental Care Plan (PSDCP) is a mandatory dental services plan for federal public service employees in Canada, including the Canadian Armed Forces and the Royal Canadian Mounted Police, and their eligible dependents. The PSDCP covers specific dental services and supplies not covered by a provincial or territorial health or dental care plan.

The PSDCP is administered by Canada Life, which was awarded the contract through an open and competitive procurement process. The contract with Canada Life requires mandatory positive enrolment, which members can complete online or by mail. As part of the enrolment process, members must provide their certificate number, which can be found in their pay system or from the Pay Centre or their departmental compensation services.

The PSDCP offers a range of benefits to its members, including coverage for dental services and supplies. The plan also provides protection for personal information, with a privacy statement outlining how member information is protected. Additionally, the PSDCP has monthly contribution rates that members are responsible for paying.

The terms and conditions of the PSDCP are available for review, outlining the specific dental services and supplies covered by the plan. The plan is subject to certain rules and regulations, with updates and notices published regularly to keep members informed of any changes. As of September 2018, improvements were made to the plan, which are set to last for three years before renegotiation.

Disability Insurance Plan

Founded in 1945, American Public Life Insurance Company (APL) provides Short-Term Disability Insurance as part of its MEDLink® Gap Insurance. This type of insurance helps protect your paycheck if you experience a covered disability, with cash benefits paid directly to you.

APL's disability insurance plan can help cover costs associated with visits to doctors' offices, emergency rooms, urgent care facilities, and more. This is especially useful when these costs may not be fully covered by your major medical plan. For instance, you may have to pay high deductibles, copays, and coinsurance. APL's disability insurance plan can help cover these out-of-pocket expenses.

The disability insurance plan is customizable to meet the specific needs of groups and individuals. It is available in 49 states and has a financial rating of A+ (Superior) through AM Best. APL's disability insurance plan can provide peace of mind for the future and help you be prepared and protected financially.

With offices in Jackson, Mississippi, and Oklahoma City, Oklahoma, APL is a leading provider of voluntary worksite benefits, offering a fully customizable suite of products. APL's disability insurance plan is one of the many ways the company helps provide financial protection, technology solutions, and benefits education that are accessible to all employees, all the time.

Public Service Management Insurance Plan

Founded in 1945, the American Public Life Insurance Company (APL) is a leading provider of voluntary worksite benefits. With sales through independent brokers, APL offers a fully customizable suite of products to meet the specific needs of groups.

APL offers workforce benefits that may cover costs when major medical insurance doesn’t. This helps individuals and families with out-of-pocket expenses and provides brokers and groups with solutions for today’s workforce. Their insurance products may help protect yourself from the high cost of a covered accidental injury. APL also provides financial protection in the event of a heart attack, stroke, cancer or other covered conditions.

Short-term disability insurance is another feature of APL's services, where individuals can receive cash benefits directly if they experience a covered disability. Their insurance may also help cover costs associated with visits to doctors’ offices, emergency rooms, urgent care facilities, and more.

APL is licensed to conduct business in 49 states and has a financial rating of A+ (Superior) through AM Best. With offices in Jackson, Mississippi and Oklahoma City, Oklahoma, APL strives to provide benefit solutions with proven results.

Civil Service Insurance

In Canada, Civil Service Insurance was a system of life insurance offered by the Government of Canada to its permanent employees between 1893 and 1954. This optional insurance program allowed members to purchase life insurance protection ranging from $1,000 to $10,000. The government stopped offering new policies in 1954 when it introduced the obligatory Supplementary Death Benefit. While new policies are no longer available, some existing policies purchased before the program's end are still in effect and managed by the Civil Service Insurance program.

Frequently asked questions