Slide 1
HCL logo


HCL Disability Leave & Claim Process

Benefit Summary

HCLTech logo

Full-time employees are eligible to enroll themselves in the HCL Group Benefits Plan. HCL pays 100% of the premium for Life, Accidental Death & Dismemberment, Short- and Long-Term Disability. Employees are responsible for paying a Cost Share for the Health and Dental Coverage: Single - $37.50, Couple/Family - $45 per pay. There is no Waiting Period therefore, you (and qualifying dependents) are eligible for coverage immediately from your date of hire.  Employees (and qualifying dependents) new to the country will also need to enroll in supplemental healthcare coverage with Sun Life. There is a Cost Share for this coverage - $100.00 (flat-rate) per pay period.  

This section provides an overview of your benefits program with Sun Life at a glance.

Life & AD&D

  • 2x annual earnings to a maximum of $500,000
  • Reduces by 50% at age 65
  • Optional Life and Spousal Life available
  • Terminates age 71 or earlier retirement

Short-term Disability

  • 70% of weekly earnings to a maximum of $2,300
  • Elimination period: 0-day accident and hospitalization, 3-days sickness
  • Benefit period of 17-weeks
  • Terminates age 71 or earlier retirement
  • Benefit payments are taxable

Long-term Disability

  • 75% of the first $1,250 of your monthly basic earnings, plus 58% of the next $3,750, plus 48% of the remaining monthly earnings
  • Overall monthly maximum of $10,000
  • Elimination period: 17-weeks
  • Terminates age 65 less the qualifying period or retirement 
  • Benefit payments are taxable


  • No Deductible
  • Basic Dental reimbursed at 100%
    • X-rays, Oral Exams, Cleanings
  • Major Dental reimbursed at 50%
    • Crowns, Bridges
  • Orthodontia reimbursed at 50%
    • Dependent children: 6 – 18 years of age
    • $1,500 Lifetime maximum 
  • Basic Maximum of $1,500 per calendar year
  • Major Maximum of $2,000 per calendar year
  • Accidental Dental reimbursed at 100%


  • No deductible
  • 100% reimbursement 
  • Eye Exams:
    • 1 exam every calendar year 
  • Prescription Glasses/Contacts/ Lenses/Frames:
    • $350 every 24 months

Health Care

  • No deductible
  • 100% reimbursement for medical services and supplies
  • Prescription Drugs
    • 100% reimbursement
    • Fertility Drugs covered to a lifetime maximum of $15,000
    • Unlimited annual maximum  
  • Private Duty Nursing
    • $10,000 per benefit year 
  • Semi-Private Hospital room
  • Paramedical Practitioners reimbursed to an annual maximum of $500 per practitioner per year for the following:
    • Speech Therapist
    • Psychologist/Clinical Psychologist/Social Worker
    • Osteopath
    • Chiropractor
    • Physiotherapist
    • Naturopath
    • Dietician
    • Acupuncturist
    • Podiatrist
    • Massage Therapist
  • Medical Equipment such as:
    • Hearing Aids
    • Orthopedic Shoes / Orthotics
    • Diabetic Equipment
    • Mobility Aids
  • Second Medical Opinion included
  • Reasonable and Customary limits are in place for all Extended Health Care services and supplies

Out of Country

  • 100% co-insurance 
  • $3,000,000 per person per lifetime
  • 60-day trip duration
  • Unforeseen and unexpected emergencies
  • Stability clause in place
  • Travel for business or pleasure
  • Travel Assistance card should travel with you

Employee Assistance Program

  • 24/7/365 access for you and your family to a variety of tools, resources and counselling for issues such as:
    • Family/Marital/Child and Elder Care
    • Financial Issues
    • Addictions/Substance Abuse
  • 100% private and confidential 
  • No claims to submit
  • Access online, over the phone or via the app
  • Register Online at:
    • You will need:
      • Your policy number
      • Certificate number
      • The birthdates of any applicable dependents


  • Once you register online you can:
    • Link your banking information for faster claims reimbursement
    • Submit claims
    • View coverage levels
    • Access a variety of tools and resources available through the plan members website including
      • Drug Look-Up Tool
      • Condition Look-Up Tool
      • Test and Procedures
      • Community Support Resources


  • Download the free Sun Life mobile app
    • This allows you to
      • Download a digital drug card
      • Submit claims
      • View coverage levels



LifeWorks EAP Overview


LifeWorks EAP Counseling


LifeWorks EAP Brochure


LifeWorks EAP FAQ

FAQ Summary

The Group Benefit program is administered by Sun Life; the Group Retirement program is administered by Canada Life.

Owen & Associates is the HCL Canada Group Benefits and Retirement Broker – Consultant and Third-Party Administrator.

The enrollment deadline is within 31 days of your eligibility date. Neither you nor your dependents will be covered by HCL’s benefit plan if your completed forms are not returned within the 31-days.

You and your dependents will need to complete an Evidence of Insurability Form with Sun Life and provide proof of good health; coverage is subject to approval by the vendor.

You can expect to receive a soft copy of your Sun Life benefit card via e-mail shortly after returning your completed Group applications; physical benefits cards will follow within 21-days thereafter.

You will receive a registration e-mail outlining the online registration process with Sun Life once you’ve submitted your enrollment forms.

Moving to the new carrier will not affect any ongoing dental work. If you have a dependent child that is undergoing Orthodontia, your lifetime maximum per dependent will reset.

If you are undergoing Major dental work, please work with your plan administrator if a pre-determination has been submitted.

Employees and dependents are insured for coverage immediately from the HCL joining date with the following coverages:

  • Basic Life Insurance, Accidental Death & Dismemberment, Short-Term Disability, and Long-Term Disability  
      - The insured lines of benefits apply to employees only 
  • Extended healthcare, dental, vision, and out of country medical emergency coverage
  • Employee and Family Assistance Program (EAFP)
  • Optional Life and Critical Illness coverage is offered 

Lifestyle changes can be many anytime.

We must be notified within 31 days of change.

Please email Victoria as soon as any lifestyle change occurs.

You will be able to register online with Sunlife and submit through the app or online.  The online registration details will be made available once your completed enrollment forms are returned to the administrator.

A beneficiary nomination is needed for your life insurance benefit coverage.  Employees are encouraged to designate a person(s), preferably of legal age, and may reside anywhere in the world.  Sun Life will require a copy of your Group Application or Beneficiary Form in the event of a life claim.

Continuous glucose monitor (CGM), receivers, transmitters, or senses for type 1 diabetes. You must provide the doctor’s note confirming the diagnosis. There is a combined maximum of $4,000 per person per benefit year.

Any vaccine not covered under provincial coverage plan is covered under your group plan.

The plan will reimburse generic amount (the difference between generic and brand name would be paid out of pocket).

If you are not able to take the generic your doctor would advise in your prescription and the brand name would be covered.

The brand name would be covered 100%.

Dispending fees are not covered under the plan.

Dispending fees can vary from pharmacy to pharmacy – ie Walmart & Costco can be less expensive than Shoppers Drug Mart or Rexall.

No. The examinations are not deemed eligible for reimbursement through the HCL benefit plan with Sun Life.

Yes, qualifying spouses and dependents are eligible immediately for coverage.

Qualifying dependents extend to spouses and children residing in Canada or the United States; over-aged dependents between the age of 21-25 (26 in Quebec) are eligible if attending post-secondary studies as a full-time student. If you have an overage/disabled dependents, please contact your group administrator.

By providing plan details for your spouse’s benefit plan upon enrollment. 

Claims for employee would go through HCL’s plan first and then the spouse’s plan.

Claims for spouses would go through their plan first then HCL’s.

Depends on dental practitioners.

Some dental offices are set up for direct billing with insurance carriers.

If not set up for direct billing, you would pay upfront and submit your claim to be reimbursed.

Delisted practitioners – must submit claims on own if using a delisted practitioner.

Victoria Knodel

Victoria Knodel

Policy No. 102869/151869– Sun Life: 1-866-251-2841 Ext: 221

Lindsay Swiderski

Lindsay Swidersky

Policy No. 102869/151869– Sun Life: 1-866-251-2841 Ext: 236

Ritu Muker

Ritu Muker

Policy No. 102869/151869– Sun Life: 1-866-251-2841 Ext: 234

The official Plan Documents govern your rights and benefits under each plan. If a discrepancy exists, the Plan Documents will prevail.

Retirement Summary

HCLTech logo

This section provides an overview of your retirement program at a glance. Your plan is administered by Canada Life Policy No 65898.

Your Retirement Plan

  • Your Plan consists of a Registered Retirement Savings Plan (RRSP) and a Deferred Profit-Sharing Plan (DPSP)
  • You may make regular contributions up to 3% of your earnings to your employer sponsored group retirement plan
  • The Canadian Revenue Agency (CRA) Limits – apply according to your Notice of Assessment
  • You may change your contribution rate at any time by completing a Payroll Deduction Authorization Form and submitting it to Owen & Associates

Eligibility & Participation

  • Participation in the Retirement Program is voluntary
  • To enroll complete both the RRSP & DPSP enrollment forms and send to Owen & Associates for processing
  • Original forms are not required, once received payroll will be notified and contributions will begin
  • Contributions are pre-tax and made through payroll deductions

What Happens When You Retire or Leave the Company

  • You will receive a statement of options outlining the current value of your account and the options that are available to you
    • Maintain with Canada Life
    • Move to another investment company
    • Cash-out (applicable taxes will apply)
  • Contact Owen & Associates to keep contact information up to date

Employer Contributions

  • Your employer will match your contributions at a rate of 100% up to a maximum of 3% 
  • Employer contributions are allocated to the DPSP
  • You choose the fund(s) where your Employer contributions are to be invested 
  • If you do not choose a fund, your contributions are directed to the Default Fund which is Cadence Fund 


  • Withdrawals on regular contributions from RRSP are not permitted or the DPSP while employed
  • Contributions made by your employer to the DPSP are vested after 2 years
  • There is an exception for RRSP withdrawals for Hardship, First Time Home Buyer Loan or an Education Loan
    • Repayment terms apply, the CRA will charge tax on the withdrawal amount

Accessing Your Account

  • Once you have submitted your enrollment forms you may register online at:
  • Once you register online you can:
      • Review your balance and growth of investments
      • Set a retirement goal
      • Receive a breakdown of each plan (RRSP & DPSP)
      • View or create Contributions Statements

FAQ Summary

The HCLTech Group Retirement Program is administered by Canada Life.

HCLTech offers a Group Registered Retirement Savings Plan (RRSP) and a Deferred Profit-Sharing Plan (DPSP). You may make regular contributions up to 3% of your base salary to the RRSP. HCLTech will match these contributions by 100% to the DPSP. You can also make additional voluntary unmatched contributions up to your individual Canada Revenue Agency (CRA) limit. All company contributions are subject to 2 years’ vesting.

Contributions made by an employee between 1% - 3% through their payroll are deemed as regular contributions and eligible to receive a match. Contributions made in excess of 3% and/or contributions made outside payroll are deemed as voluntary therefore, ineligible for an employer made by HCLTech.

HCLTech is going to match 100% of employee regular contributions to a maximum of 3% to the DPSP.

Employees may contribute up to their Canada Revenue Agency (CRA) maximum for the year – this information is made available on your CRA – Notice of Assessment (NOA), after you file your income tax return each year. Your individual limit is inclusive of any unused contributions from previous years. Your limit is also inclusive of your group RRSP contributions and contributions to any other privately held Registered Savings Investments.

The retirement program is optional participation for members, and no deadline to enroll.

TFSA is not offered under HCLTech plan.

Employees may have their un-locked retirement funds transferred to their RRSP under the HCLTech plan with Canada Life. Employees will need to contact their current administrator in order to initiate the transfer process and to understand whether their current retirement funds are locked/un-locked.

You will need to contact the financial institution and request further details surrounding whether there is a transfer fee that is charged by them to transfer funds out. Canada Life will not charge you to transfer funds into the RRSP with HCLTech.

Employees cannot withdraw regular contributions (those that attract a company match and are made through payroll) or the company contributions while employed.
There are two exceptions that are governed by the CRA - Home Buyers Plan or Lifelong Learnings Plan. Both programs have specific eligibility criteria and repayment schedules.
Voluntary contributions (contributions made over the amount of the regular contributions and/or those made outside payroll) can be withdrawn at anytime.

Yes. There is a 2-year vesting period in place from the date you complete your enrolment into the DPSP plan with Canada Life.

If you have not yet met the 2-year vesting period for the DPSP funds but remain as an active employee with HCLTech your options will be as follows:

  • Leave your RRSP & DPSP funds with Canada Life until the 2-year vesting period has been met
  • Withdraw your RRSP funds and receive the disclosure package from Canada Life for the RRSP funds only. Your DPSP funds would remain in the plan until the 2-year vesting period has been met. You would receive a separate disclosure package from Canada Life for the DPSP funds if you are still employed within the HCL group after the 2-year vesting period.

In order to the be eligible for participation in the RRSP/DPSP you must have reported income in Canada, which is completed when filing your income tax return with the Canada Revenue Agency (CRA). You will be able to file your income tax return each year once your T4 slip is provided to you by HCLTech; which will be no later than February 28 each year.

Victoria Knodel

Victoria Knodel

Policy No. 102869/151869– Sun Life: 1-866-251-2841 Ext: 221

Lindsay Swiderski

Lindsay Swidersky

Policy No. 102869/151869– Sun Life: 1-866-251-2841 Ext: 236

Ritu Muker

Ritu Muker

Policy No. 102869/151869– Sun Life: 1-866-251-2841 Ext: 234

The official Plan Documents govern your rights and benefits under each plan. If a discrepancy exists, the Plan Documents will prevail.