Family building support for plan members
Fertility treatments, adoption and surrogacy can be difficult and stressful, and the path to parenthood cost prohibitive. That’s why Family Focus exists: to provide the tools and support plan members need to build a family and to make sure they can remain financially empowered as they do so.
42% of workers around the world consider a lack of fertility benefits at work to be a deal breaker when it comes to accepting a new job, with 65% saying they would change jobs for an employer that offered it.1
Group benefits are a key way to attract and retain top talent, and it’s important that they keep pace with our changing society. Today, fertility struggles affect up to 17%2 of people worldwide. The impacts can be distressing, which is why family-building benefits are so important.
Family Focus takes a holistic approach to family building. It offers a framework to support your employees’ physical, mental, financial, social and environmental well-being on their journey to parenthood. And by offering your employees this kind of support, you’re showing them that you care about their overall wellness.
An inclusive and comprehensive family-building program for everyone - regardless of sex, sexual orientation or relationship status.
Our solution includes fertility drugs and treatments (in vitro fertilization (IVF) and intrauterine insemination (IUI)). It also includes related services such as the freezing and storage of reproductive cells and fertilityrelated laboratory testing (including genetic screening). Maximums are generous, and separate maximums3 can be available for drugs and treatments. Medically necessary breast pumps are also covered.
Cost can be a significant barrier to family building.
So depending on your group insurance coverage, we offer the option to cover a range of tools and supports, including:
- Surrogacy fees
- Adoption fees
- Fertility coaching
- Family coaching
- Sex therapists
- Nutritionists/dietitians
- Midwives
- Doulas
- Prenatal classes
- Couple’s and family counsellors
- Baby safety equipment
- Parent-child activity programs
- Perinatal bereavement support
Mental health supports, such as the different types of counselling we cover, can be a valuable resource for those struggling with family-building and fertility issues. In addition, would-be parents struggling with grief may wish to reach out to one of many trusted Canadian organizations that offer counselling, therapy or support groups. More information about these associations can be found in Health is Cool 360˚, if applicable.
Notre solution comprend les médicaments et les traitements liés à la fertilité, comme la fécondation in vitro (FIV) et l’insémination intra-utérine (IIU). Elle comprend également des services connexes, comme la congélation et l’entreposage de cellules reproductives et les analyses de laboratoire liées à la fertilité (y compris le dépistage génétique). Les montants maximaux3 sont généreux et peuvent s’appliquer séparément aux médicaments et aux traitements. Les tire-laits employés pour des raisons médicales sont également couverts.
Les coûts peuvent représenter une barrière importante pour la fondation d’une famille. Nous offrons donc, selon vos protections d’assurance collective, la possibilité de couvrir une gamme d’outils et de sources de soutien, notamment :
- Frais pour la maternité de substitution
- Frais d’adoption
- Conseils en fertilité
- Coaching familial
- Sexologue
- Nutritionniste/diététiste
- Sage-femme
- Accompagnante ou accompagnant à la naissance (doula)
- Cours prénataux
- Conseils matrimoniaux et familiaux
- Équipement de sécurité pour bébés
- Programmes d’activités parent-enfant
- Accompagnement du deuil périnatal
Les services de soutien psychologique, comme les différents types d’accompagnement que nous couvrons, peuvent constituer une ressource précieuse pour les personnes aux prises avec des problèmes de fertilité qui les empêchent de fonder une famille. De plus, les parents vivant un deuil périnatal pourraient vouloir communiquer avec l’un des nombreux organismes canadiens de confiance qui offrent des conseils, des thérapies ou des groupes de soutien. Des renseignements supplémentaires sur ces organismes se trouvent sur la plateforme À votre santé 360°, si applicable.
Family Focus isn’t one specific type of coverage—it’s a combination of complementary treatments, products and services available through different benefits to provide insureds with better coverage. Depending on which treatments, products and services you choose to cover, additional costs may apply.
If you’re interested in enhancing your group insurance plan’s family-building coverage, or to find out which benefits are available with your plan, please contact your benefits advisor.
1 42% of global employees say lack of employer-provided fertility benefits is a ‘deal breaker:’ survey | Benefits Canada.com 2 Infertility Prevalence Estimates, 1990–2021 3 Separate maximums are available only to groups with 50+ lives
Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.