Health
& Dental Benefits
|
Benefit |
Coverage |
Participation |
Employee/Employer Contributions |
Coverage Effective |
Medical Services Plan
Provides basic medical coverage. |
Insures medically required services provided by physicians
and supplementary health care practitioners, laboratory services
and diagnostic procedures. |
Optional —
You must apply for coverage. |
100% employer paid.
This is a taxable benefit
Monthly rates*:
Single $57
Couple $102
Family $114
*effective Jan 1, 2010
|
Coverage begins the first month following the date on
which you become eligible for benefits or upon application,
whichever is later.
|
Extended Health Care Plan
Provides coverage designed to partially reimburse for services not
covered by the provincial MSP or Pharmacare, such as
prescription drugs, paramedical services (i.e. physiotherapist,
chiropractor), vision care.
Plan carrier: Pacific Blue Cross |
Reimbursement at 80% of eligible expenses (with some
exceptions).
The annual deductible is $65 per family.
Effective Jan 1, 2011, annual deductible is
$80.
Lifetime maximum under the plan is $100,000 per person
(effective April 1, 2010, lifetime maximum increases to
$250,000.
|
Optional —
You must apply for coverage.
|
100% employer paid.
This is not a taxable benefit. |
Regular bargaining unit employees coverage begins 1st
day of month after 6 FULL calendar months employment.
For eligible auxiliaries employees, coverage begins on the 1st
of the month following the date in which you became eligible.
Coverage begins the first of the month upon attaining
eligibility or upon application, whichever is the later.
|
Dental Plan
Covers basic dentistry, or the services that are routinely
available in the office of a general practicing dentist and are
necessary to restore or maintain teeth.
Plan carrier: Pacific Blue Cross
|
Basic Dental Services
— 100%
Major Dental Services
— 65%
Orthodontics — 55%
with a lifetime maximum of $3,500 per person |
Optional —
You must apply for coverage.
|
100% employer paid.
This is not a taxable benefit.
|
Same as extended health care plan. |
|
Benefit |
Coverage |
Participation |
Employee/Employer Contributions |
Coverage Effective |
Weekly Indemnity Plan
Provides a weekly income replacement benefit for a specific duration. |
Up to a maximum of 15 weeks at 60% of your normal average earnings (for each period
of illness) |
Mandatory |
100% Employer Paid
|
Upon accumulation of 400 hours of auxiliary service. The
waiting period is 14 calendar days.
|
Short Term Illness and Injury (STIIP) Plan
Pays a portion of wages to protect your economic security during periods of illness or
injury. |
Less than three months service — 75% pay for a maximum 6 calendar days.
Less than 6, but more than 3 months — 75% pay for first 6 days and 66 2/3% for 15 weeks
after.
More than 6 months service — 75% pay for 6 calendar months. |
Mandatory |
100% Employer Paid |
No waiting period |
Long Term Disability
Provides comprehensive coverage if you become disabled and unable to work due to an injury
or illness.
This plan is applicable if you are absent from work due to illness or injury for more
than six months.
Plan carrier: Great-West Life Assurance Company |
Subject to sick bank credits, you will receive a monthly benefit equal to the sum
of:
70% of first $2,300 of monthly earnings and 50% of the monthly earnings above $2,300
(unionized employees)
|
Mandatory |
100% Employer Paid |
LTD benefits payable after employee absent from work due to injury or illness for
at least six months. |
Life Insurance |
Benefit |
Coverage |
Participation |
Employee/Employer Contributions |
Coverage Effective |
Group Life Insurance
Insurance carrier: Great-West Life Assurance Company |
Provides life insurance coverage. Amount of coverage is 3 times annual salary with
a minimum of $80,000 of coverage.
Coverage includes:
· funeral advance;
· terminally ill
advance;
· accidental
dismemberment;
· accidental loss of
sight;
· conversion to a
private policy. |
Mandatory
|
Employer pays for the first $80,000 of coverage and employee pays remainder.
Employer paid portion is a taxable benefit.
Cost is 17 cents per $1,000 of coverage.
|
Starts immediately once eligible for benefits.
|
Optional Spouse and Dependent Coverage
Provides life insurance in the event of a death of a spouse or dependent payable to you, as
the employee. Insurance carrier: Great-West Life Assurance Company
|
Amount of coverage is $10,000 for a spouse, $5000 for a
dependent.
|
Optional —
You must apply for coverage. |
100% employee paid
Cost is $2.00 per month. |
Coverage is effective upon receipt of application form, if you apply within the 90
day window once eligible for benefits. |
Group Aviation Insurance
Insurance carrier: RBC Life Insurance Company |
Provides a death or dismemberment insurance if you travel by air on the Employers
business, including limited group travel to and from the airport.
|
Mandatory |
100% employer paid |
Starts immediately for all active employees. |
|
Benefit |
Coverage |
Participation |
Employee/Employer Contributions |
Coverage Effective |
Retirement Allowance |
Provides an eligible employee with a pro-rated payment for each completed year
starting with one months salary at twenty years increasing to a maximum of three (3)
months payment at thirty years of service.
|
Mandatory |
100% employer paid. |
Upon retirement
|
Canada Pension Plan |
The Canada Pension Plan is designed to provide income to retired and disabled
workers, and to orphans and surviving spouses of deceased contributors.
|
Mandatory |
50/50 cost shared by employer and employee.
|
|
Public Service Pension Plan |
The Public Service Pension Plan is a defined benefit pension plan that provides
you with income at retirement. The amount of retirement income is based on your age,
years of pensionable service, and your salary level. |
Mandatory |
YMPE = year's maximum pensionable earnings
As of April 2009:
Employer contribution rates are 8.63% of pensionable earnings up to YMPE and
10.28% of pensionable earnings greater than YMPE.
Employee contribution rates are 7.78% of pensionable earnings up to YMPE and 9.28% of
pensionable earnings greater than YMPE.
YMPE for2010 is
$47,200.
|
Normal retirement age — 55 years. |
|
Benefit |
Coverage |
Participation |
Employee/Employer Contributions |
Coverage Effective |
Employee and Family Assistance Program (EFAP)
Offers confidential counselling services
designed to assist you and your family to resolve problems that affect your personal lives
and in some cases your job performance. |
The assessment, counselling and/or referral service is provided at no cost to eligible
employees and family members who normally reside with the employee.
Service level is determined by professional assessment of need,
through a strong focus on individual assessment and goal setting.
|
Optional |
100% Employer paid |
Starts immediately for all active employees. |
Employment Insurance (EI)
Provides income if you are laid off due to work shortages, not working due to pregnancy, or illness/injury where sick pay is not available.
|
Benefits are earning related
based on insurable hours/ earnings with a maximum contribution.
|
Mandatory |
50/50 cost shared by employer
and employee (up to a yearly maximum) |
No waiting period clock starts
ticking from date of employment. |
Workers Compensation
Provides compensation for lost income, health care and other costs
when you sustain an occupational illness or injury.
|
Provides compensation for lost
income, health care and other costs when you sustain an occupational
illness or injury.
|
Automatic |
100% Employer paid |
Wage loss benefits (STIIP, LTD,
EI, WCB) next day coverage.
Health benefits same day coverage.
|
|
Benefit |
Coverage |
Participation |
Employee/Employer Contributions |
Coverage Effective |
Deferred Salary Leave Program
Program carrier:
Group Retirement Services |
Allows you to defer up to one-third of their salary to finance a future leave without
pay.
|
Optional —
Approval from your supervisor is required |
100% Employee paid |
Contributions begin upon application. |
Payroll Savings Plan (AKA Canada Payroll
Savings Program) |
Allows you to put a little money aside on a regular basis as part of your savings
plan.
|
Optional |
100% Employee paid |
Contributions begin upon enrolment. |
Registered Retirement Savings Plan (RRSP) |
Allows you to defer tax on money to be used for retirement.
Contribution limits for RRSPs are based on income and are tax deductible at the time
of deposit. |
Optional |
100% Employee paid |
Contributions begin upon enrolment. |