Youflex-Sobeys Benefits-Health, Dental and More

Sobeys offers a flexible benefits program called YouFlex. This program lets full-time and part-time employees customize health, dental, life insurance and wellness options. Sobeys YouFlex benefits help employees choose coverage that fits their needs. This guide covers the Sobeys employee benefits program, including Core Benefits, Optional Benefits, and Sobeys benefits enrollment steps.

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1.Sobeys YouFlex Benefits Program

The Sobeys employee benefits program, or YouFlex, offers flexibility and choice. Employees receive Core Benefits, which Sobeys partially or fully funds. They can use Flex Dollars to upgrade their benefits. Full-time employees get full Core Benefits, while part-time employees share health and dental costs.

Full-Time Employees:

  • Receive full Core Benefits coverage, except Long-Term Disability (LTD), which they pay for.

Part-Time Employees:

  • Receive Core Benefits but share health and dental costs.

2. Youflex Core Benefits Coverage

Core Benefits cover essential health and wellness needs. Here’s what Sobeys YouFlex benefits include:

  • Employee Basic Life Insurance
  • Employee Basic Accidental Death and Dismemberment (AD&D) Insurance
  • Employee Basic Critical Illness Insurance
  • Short-Term Disability (STD) – Covers health-related absences.
  • Long-Term Disability (LTD) – Full-time employees contribute to this.
  • Parental Leave Top-Up – Covers up to 26 weeks of parental leave.

Coverage for employees and dependents:

  • Core Health Care
  • Dental Care
  • Dialogue Virtual Health Care – Provides virtual healthcare services.
  • Medical Second Opinion – Gives access to health specialists.
  • Employee and Family Assistance Program (EFAP) – Offers counseling and support services.

3. Sobeys Benefits-Health and Dental Coverage Options

Sobeys health and dental coverage includes three levels: Core, Enhanced, and Premium.

Health Coverage Levels

  • Core Health Care:
    • 80% drug reimbursement at Sobeys-owned pharmacies, 50% at others.
    • 100% coverage after reaching a $1,000 family out-of-pocket maximum.
    • Basic ward hospital accommodation.
  • Enhanced Health Care:
    • 90% drug reimbursement at Sobeys pharmacies, 60% elsewhere.
    • Out-of-pocket maximum of $750 per family.
    • Semi-private hospital room.
  • Premium Health Care:
    • 100% drug reimbursement at Sobeys pharmacies, 70% elsewhere.
    • $500 per family out-of-pocket maximum.
    • Private hospital room.

Dental Coverage Levels

  • Core Dental Care:
    • Maximum of $500 per person per year.
    • Basic preventative care.
  • Enhanced Dental Care:
    • Up to $1,000 annually for basic and some major services.
  • Premium Dental Care:
    • $3,000 per person per year with basic, major, and orthodontic services.
    • Orthodontia at 50%, with a $2,500 lifetime benefit.

4. Sobeys Flex Dollars and Health Care Spending Account (HCSA)

Sobeys provides Flex Dollars for employees to cover health and dental upgrades or optional benefits. Unused Flex Dollars go into a Health Care Spending Account (HCSA). This account helps cover out-of-pocket medical expenses, including deductibles and amounts above plan maximums.

5. Optional Benefits Coverage

YouFlex offers options to supplement Core Benefits with extra coverage. Sobeys YouFlex benefits become highly customizable, allowing additional security for employees and families.

  • Optional Critical Illness Insurance:
    • Covers major illnesses like cancer, heart attack, and stroke.
    • Available for employees, spouses, and children.
  • Optional Life Insurance:
    • Employees and dependents can get additional life insurance in units of $5,000.
  • Optional Accidental Death and Dismemberment (AD&D) Insurance:
    • Provides extra financial support in cases of severe accidents.

6. Virtual Health Care and Employee Assistance Program (EFAP)

Dialogue Virtual Health Care offers Sobeys employees healthcare access via chat or video. Employees can consult with medical professionals without a clinic visit. The Employee and Family Assistance Program (EFAP) gives mental health support, counseling, and resources for work or personal challenges.

7. Disability Benefits

Sobeys employee benefits include Short-Term Disability (STD) coverage for full-time employees, paying 70% of weekly salary for up to 26 weeks. Employees contribute to Long-Term Disability (LTD), with three coverage options:

  • Core LTD: 50% of salary, up to $10,000 per month, until age 65.
  • Enhanced LTD: 50% of salary, maximum $10,000, until age 65.
  • Premium LTD: Higher monthly coverage up to $15,000, with a tiered approach.

8. Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance

Sobeys includes Life Insurance in YouFlex benefits. Full-time employees get life insurance equal to one times their salary. Part-time employees get $20,000 in coverage (or equivalent in Saskatchewan). Optional Life Insurance lets employees buy extra coverage for dependents.

AD&D Insurance:

  • Available as basic and optional coverage, providing financial support for accidental death or severe injury.

9. Enrollment Process for Sobeys YouFlex

Sobeys benefits enrollment is straightforward for both full-time and part-time employees.

  • Full-Time Employees: Automatically receive Core Benefits. Upgrades are available during annual re-enrollment.
  • Part-Time Employees: May requalify for YouFlex benefits each year. Unused Flex Dollars go into their HCSA.

Note for Quebec Employees: Part-time and newly eligible full-time employees receive Core Benefits without dependents. They must confirm coverage for dependents during re-enrollment.

Frequently Asked Questions

  1. What are Flex Dollars for in Sobeys YouFlex?
    Flex Dollars cover health and dental upgrades or optional benefits.
  2. Can I carry over unused Flex Dollars?
    Yes, unused Flex Dollars go into your HCSA for extra medical expenses.
  3. What if I want more health and dental coverage?
    Employees can choose Optional Benefits, like extra Critical Illness or AD&D insurance.
  4. How do I access virtual health care through Sobeys?
    Employees can use the Dialogue platform on mobile or desktop for real-time healthcare.

Conclusion

Sobeys YouFlex benefits provide employees with flexible, personalized health, dental, and financial wellness options. This program helps employees choose coverage for both personal and family needs. To review or manage benefits, visit the People Portal or contact Sobeys HR Service Center.