Eligibility

The Business Select digital tool is the starting point for all Business Select opportunities. As information is entered, the tool will assess employer and employee eligibility requirements and identify whether the group is eligible to proceed through the digital quoting process.

If a group does not qualify for Business Select, the information provided will be reviewed by the Saskatchewan Blue Cross sales representatives who will follow up to discuss alternative options that may be available.

Employer eligibility	Employee eligibility
Eligible employers must: ✔ Be headquartered in Saskatchewan ✔ Have 3-49 eligible employees ✔ Have been operating for at least 6 months ✔ Be a sole proprietorship, partnership, or incorporated business ✔ Meet participation requirements	Eligible employees must: ✔ Be permanent full-time employees ✔ Work a minimum of 20 hours per week ✔ Be Canadian residents ✔ Have provincial health coverage ✔ Be age 16 or older Seasonal and contract employees are not eligible.

Employer eligibility

Employee eligibility

Eligible employers must:

✔ Be headquartered in Saskatchewan

✔ Have 3-49 eligible employees

✔ Have been operating for at least 6 months

✔ Be a sole proprietorship, partnership, or incorporated business

✔ Meet participation requirements

Eligible employees must:

✔ Be permanent full-time employees

✔ Work a minimum of 20 hours per week

✔ Be Canadian residents

✔ Have provincial health coverage

✔ Be age 16 or older

Seasonal and contract employees are not eligible.

Participation Requirements

Business Select requires a minimum of three eligible employees. Spousal waiver for Health and Dental coverage is allowed, therefore, the minimum enrollment requirement must be met through the Life Insurance benefit.

Spousal Waivers

Employees may waive Health and Dental coverage if they have comparable coverage through a spouse's or partner's employee benefits plan.

Spousal waivers apply to Health and Dental benefits, only.

Enrollment for the Life, AD&D, Dependent Life (when applicable), Critical Illness, Short- and Long-Term Disability require mandatory participation and cannot be waived.

Employer Contributions

Employers must contribute a minimum of 30% of the total monthly premiums to be eligible for Business Select.

Waiting Periods

Employers select a waiting period of:

3 months, or
6 months

Key considerations:

Existing eligible employees are covered on the effective date of the plan.
The waiting period applies to all eligible employees hired after implementation.

Additional Eligibility Considerations

While most Business Select benefits are available to eligible groups, certain plan features may be subject to additional eligibility requirements. Understanding these considerations can help Advisors set expectations early and identify suitable coverage options during the sales process.

Industry Restrictions

Certain industries may not be eligible for Business Select, or for certain benefits. Where restrictions apply, the quote tool will display the benefits available based on the group's eligibility.

Related Employees

Groups with fewer than 10 eligible employees with employees who are related (50% or more), are not eligible for Short-Term Disability, Long-Term Disability, or Enhanced Life benefits.

Disability Benefits

Eligibility for Short-Term Disability and Long-Term Disability may be affected by recent or active disability claims within the group. Groups that do not meet the criteria to proceed through the tool may be subject to additional review in order to qualify for Business Select.

Important: Business Select eligibility is determined based on the information entered into the quote tool. Where benefit restrictions apply, the quote tool will automatically display the options available to the group