Total
Rewards
Program
Our people drive everything we do, which is why we offer a comprehensive Total Rewards package built to support, recognize, and elevate our team.
Beyond compensation, this includes benefits, growth opportunities, work-life balance, and a strong culture—designed to attract and retain top talent while enabling long-term success.
Group Benefits Summary
This is a general overview of the coverage offered under your group plan. For a more detailed understanding, including exclusions, limitations, and other important conditions, please refer to the relevant sections in your booklet.
Waiting period - 3 months of continuous employment
Termination - Termination of coverage when you retire or reach age 75
(Extended Health Care / Dental Care / Employee Life, AD&D), Termination of coverage the day you reach age 65 less the elimination period or the day you retire, whichever is earlier (LTD), Termination of coverage when you retire or reach age 70 (Critical Illness).
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Extended Health Care:
Benefit Year
- January 1st to December 31st
Deductible - None
Prescription drugs 80%
- Maximum of $5,000 per person per benefit year
Dispensing Fee
- Not covered
Drug substitution limit:
Charges in excess of the lowest priced equivalent drug are not covered unless specifically approved by Sun Life. To assess the medical necessity of a higher priced drug, Sun Life will require the covered person and the attending doctor to complete and submit an exception form.
In-province hospital
- 100% of the difference between the cost of a ward and a semi-private hospital room
Convalescent Hospital
- 100% of the difference between the cost of a ward and a semi-private room, up to $20 per day for a maximum of 180 days for treatment of anillness due to the same or related causes.
Out-of-province emergency services
- 100%
- Emergency Travel Assistance Included
- Maximum of 60 days per trip
- Lifetime maximum of $3,000,000 per person for out-of-Canada services
Out-of-Province referred services
- 80%
Medical services and equipment
- 80%
Paramedical services
- 80% up to a maximum of $300 per person per specialty in a benefit year for the paramedical specialists listed below:
- licensed massage therapists
- licensed speech therapists
- licensed physiotherapists
- licensed naturopaths
- licensed acupuncturists
- licensed osteopaths or osteopathic practitioners, including a maximum of one x-ray examination each benefit year
- licensed podiatrists or chiropodists, including a maximum of one x-ray examination each benefit year
80% up to a maximum of $300 per person per specialty in a benefit year for the paramedical specialists listed below:
- licensed psychologists or social workers or licensed psychotherapists, or psychotherapists who are active members of a provincial association approved by Sun Life
Vision care
- 100% up to a maximum of $200 per person in any 24-month period
Teladoc Medical Experts service
- Included
Lumino Health Virtual Care services
- Included
Chiropractors
- Included
Dental Care:
Benefit Year - January 1st to December 31st
Deductible - None
Reimbursement Level
- Preventive Procedures 80%
- Basic Procedures 80%
Guide Note
Current fee guide for general practitioners in the province where the employee lives.
Maximum Benefit
- $750 per person benefit year maximum
- If you apply for coverage either for yourself or your dependents more than 31 days after becoming eligible, the maximum benefit is $100 per person during the first year for all
expenses.
Long-Term Disability:
Maximum amount:
66.67% of your monthly basic earnings up to a maximum of $5,000. For coverage in excess of the amount indicated under Proof of good health, your coverage is subject to approval by Sun Life. Refer to Proof of good health below for further information.
The maximum amount may be reduced by benefits and payments provided from other sources as described in the Long-Term Disability section of your booklet.
Tax Status:
Your employer has indicated that all employees covered under this disability plan are paying the full cost of the premium. Therefore, the benefit payments are not taxable income.
Proof of good health:
Approval required for coverage in excess of $2,750, and any increase in that coverage of 25% or more or $500, whichever is greater.
Elimination period:
-
16 weeks
Maximum Benefit Period:
The period ending on the last day of the month in which you reach age 65.
Benefits may also end on an earlier date as specified in the Long-Term Disability section of your booklet.
Employee Critical Illness
Amount
- $10,000
Employee Life:
Amount:
-
$30,000
Reduction:
- Coverage is reduced to 50% of the above amount when you reach age 65
Converting Life coverage
- If Life coverage ends or reduces for any reason other than your request, the group Life coverage may be converted to an individual Life policy with Sun Life without providing proof of good health. For more information, please refer to the Life Coverage section of your booklet.
Accidental Death and Dismemberment:
Amount
- Equal to Employee Life coverage
FAQ
I was diagnosed with cancer, now what?
As part of our benefits program, you have access to a medical second opinion service. This allows you to consult with top specialists to confirm your diagnosis, explore treatment options, and feel confident in your care plan. For more information or help getting started, please reach out to Lori (lori@c2inc.com) or visit
https://www.sunlife.ca/en/support/sign-in-help/my-sun-life/
I sprained my wrist, now what?
To access Sun Life's online doctor benefit, known as Lumino Health Virtual Care, follow these steps:
Visit the Website or Download the App
Go to luminovc.dialogue.co or download the Lumino Health Virtual Care app from the App Store or Google Play.
Register Your Account
Sign up using the insured person's name, birthdate, and the postal code from your welcome letter. This will grant you access to the platform.
Once registered, you can use the platform to:
- Consult with doctors, nurse practitioners, and mental health professionals.
- Receive prescriptions.
- Get referrals to specialists.
- Access mental health support through the Stress Management and Well-Being program.
My claim got denied, now what?
Contact Lori (lori@c2inc.com)
My father needs to move to a
care home, now what?
Visit: https://luminovc.dialogue.co/ to access the Employee Assistance Program
(EAP)
Employee
assistance
program
At C2inc., your well-being is our top priority. That’s why we offer the Employee Assistance Program (EAP) through Sun
Life—a confidential, 24/7 resource to help you manage life's challenges. Whether you’re dealing with everyday stress, facing a tough situation, or looking to boost your overall well-being, the EAP is here to offer support when you need it most.
The program is completely confidential and available at no cost to you. With access by phone, online, or through the mobile app, help is always just a call or click away.
Services Offered:
-
Family and Relationships
-
Mental Health
-
Child and Elder Care
-
Work and Career
-
Manager Consultation
-
Legal Services
-
Assistance during times of crisis
-
Internet-based cognitive behavioural therapy (iCBT)
Getting started is simple—just visit:
https://luminovc.dialogue.co/ to access the support you need.
Remember, this is a valuable tool to help you grow both personally and professionally. We encourage you to take
advantage of the EAP whenever you need it.
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Group RRSP Summary
Who can join?
All full-time employees
When can I join?
Employees have the freedom and control to make their own investment selections.
When does matching start?
After 3 months of continuous employment.
How much do I contribute?
You may contribute up to your contribution limit as stated on your notice of assessment.
How much does C2 contribute?
RRSP: Up to 4% TFSA: No matching
Can I transfer money into this plan?
Yes, you can, and take advantage of much lower fees.
Can I take money out while employed?
Employees can make withdrawals at any time subject to applicable taxes and fees.
Employees can borrow funds for the First-Time Home Buyers and Life Long Learning
Program.
Vacation & sick leave policy
“At C2inc., we understand the importance of a healthy work-life balance, and we are committed to supporting our employees by offering generous time off benefits. Below are the key details regarding Public/Statutory
Holidays, Vacation, and Sick Leave.”
Public/Statutory Holidays
In accordance with the Ontario Employment Standards Act,
C2inc. observes the following paid public holidays:
New Year’s Day
Family Day
Good Friday
Victoria Day
Canada Day
Civic Holiday
Labour Day
Thanksgiving Day
Christmas Day
Boxing Day
Employees are eligible for holiday pay if they are present on the workday before and after the holiday. Exceptions include absences due to illness (supported by a doctor’s note) or if an employee is on vacation. If a holiday falls on a weekend, management will follow provincial or federal guidelines to offer an alternative day off.
Vacation:
We believe taking time away from work is essential for overall well-
being.
Employees are encouraged to use their vacation days for relaxation,
personal time, family obligations, or any other personal matters
requiring time away from work.
Vacation Year: The vacation year runs from January 1 to December
31. Vacation days must be taken within the year they are earned.
Vacation Entitlement: Vacation days are based on years of service,
as follows:
Public Holiday During Vacation: If a public holiday falls during your vacation period, you will be given an additional day off.
Requesting Vacation: Employees must submit vacation requests through the Collage HRIS system for management approval.
Management may also schedule vacations to ensure that all employees take their vacation time before the year ends, with at least two weeks' notice provided.
Vacation Carryover: Employees must use their vacation days within the calendar year. Unused vacation days cannot be carried over to the next year.
Termination: If employment ends before the year is completed, any vacation taken beyond the prorated entitlement will be deducted from the final pay.
Sick Leave
“At C2inc., we provide paid sick leave to support employees when they are unable to work due to illness or medical needs.”
Sick Leave Entitlement: Employees are eligible for up to five paid sick days per calendar year. Sick days may be taken in half-day or full-day increments and cannot be carried over from year to year.
Requesting Sick Leave: Employees must notify management at least one hour before the start of their shift if they are unable to attend work due to illness. For medical appointments, at least one week’s notice is required.
Doctor’s Note: A doctor’s note may be requested in cases where an employee exceeds their sick leave entitlement or if there is a pattern of frequent absences.
“Our goal is to ensure a healthy, supportive work environment where employees can take the necessary time to rest and recover when needed.”
Wedding Bonus
This vacation bonus is intended to support wedding planning, the celebration itself, or your honeymoon.
1 day for every year worked (Maximum 5 days)
Paid Exam Days
This bonus is intended to contribute to continued learning and allows you to take paid days off to write exams related to continuing education and
certifications.
2 Days per year
Human Resources
Our Comprehensive HR Support Services
-
For Employees: A dedicated point of contact for all HR-related questions and support.
-
For Employers: Streamlined HR processes to manage your workforce efficiently.
Collage HR - Key Features:
-
Transparency: Clear visibility on vacation, sick days, and personal days.
-
Benefits Sync: Up-to-date benefits information for easy access.
-
Communication Hub: Centralized home page for newsletters, links, and important updates.
-
Shared Calendar: Seamless scheduling and team coordination.
-
Resources & Policies: Access to handbooks, guidelines, and policies at your fingertips.
-
Simplified Onboarding & Offboarding: Streamlined processes for a smoother experience.
-
Empowering both employees and employers with clear communication and efficient HR management.
Wellness program
Our company is dedicated to enhancing your well-being by offering
a range of wellness services tailored to meet your needs. For more
information, feel free to explore our offerings:
Wellness resources: www.c2-benefits.com/wellness
Password: c2
2026
wellness - fit
and fabulous
At C2inc., we’re committed to supporting our employees' wellness both in and out of the office. That’s why we’ve partnered
with Whoop, a cutting-edge fitness tracker that helps you optimize your health and performance. The Whoop band monitors key metrics like sleep, recovery, and strain, giving you insights to improve your daily habits and achieve your wellness goals. To
make it even more fun, we’re hosting monthly competitions among staff based on Whoop data. The employee with the best overall performance wins a gift card, so there’s a little extra motivation to stay healthy and engaged! Get ready to track, compete, and reward yourself for prioritizing wellness.
Team travel
At C2inc., we believe in celebrating
success together. That’s why we
reward our team with an exciting group
trip whenever we reach our annual
revenue goals. It’s not just about hitting
numbers; it’s about recognizing the hard
work and collaboration that make our
achievements possible. The trip is a
chance to unwind, bond with
colleagues, and recharge for the next
chapter.
Educational Allowance
C2inc. promotes continuous learning and will cover courses/educational fees that aid in the development of their role. Employees are given a $750 educational allowance each calendar year.
The educational allowance provided by C2inc. is designed to support employees in their ongoing professional
development.
This allowance can be used for a variety of educational expenses, including but not limited to:
-
Enrollment fees for relevant courses, workshops, or certifications
-
Registration for industry webinars and online training sessions
-
Costs associated with obtaining or renewing professional licenses or certifications
-
Membership dues for professional organizations and associations
-
Conference fees related to professional growth and development
Employees are encouraged to utilize this allowance for activities that enhance their skills and contribute to their role within the company.
GET IN TOUCH
Human Resources:
Christina Galeota
Benefits and HR Consultant
Benefits:
Lori Latvala
Employee Benefits Manager
Group Benefits and Retirement:
Michael Bonomo
Certified Financial Planner and Employee Benefits
Specialist
Wellness:
Taylor Gray
Manager & Well-being Advisor
