Extended Health and Dental benefits

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Extended Health and Dental benefits"

Transcription

1 Extended Health and Dental benefits To find out about our District benefits go to: Surrey School District website >Top green bar > Staff icon > Benefits > BCPSEAwebsite> Employees > Select School District 36 Surrey > Select employee group > teachers >Site Map > Choose icon (eg. extended health) > choose( general, or details or exclusions) There is lots of information at this site. If you have any questions look under FAQ. Please refer to the Collective Agreement - Article 52 (STA website) for eligibility, Group life, benefits during medical leave of absence or during leave of absences, benefits for retirees, conditions of employment, waiting period, choice deadlines, adding dependents, dependent children, return to active service or refusal or cancellation

2 Extended Health Page 1 of 3 S.D. #36 Teachers (10 month) HOME CONTACTS SITE MAP LOG OFF MY PLAN Extended Health Dental Optional AD&D PEBT COMMUNICATIONS FAQ WHAT HAPPENS WHEN... MAKING CLAIMS POLICY NUMBERS FORMS RELATED SITES GLOSSARY Extended Health Below is a summary of the benefits you are eligible to receive under the plan. For an overall description of this benefit, click the General link. print version This information does not create or confer any rights. The exact terms of the plan are described in the more detailed provisions of the group benefits agreement or contract. In the event of a discrepancy between this information and the group contract, the terms of the contract will be applicable. General Details Exclusions Benefit provisions Eligibility Minimum Work Week Waiting Period As per collective agreement. As per collective agreement. Effective Date of Coverage Termination Age Dependent Child Definition Spouse Definition General Insurer Policy Number Deductible (single / family) Overall Maximum Survivor Extension Drug Coverage Drug card available Drug definition Reimbursement Fertility drugs covered Oral Contraceptives Hospital Reimbursement Private/Semi- Private Room TBA None Up to age 21, or 25 if in full time attendance at school, or any age, if handicapped. Legal, common-law or same sex partner. Pacific Blue Cross E $25/$25 N/A No As prescribed and dispensed by a licensed pharmacist or Physician. 80% until $1,000 paid, 100% thereafter Not covered Not covered 80% until $1,000 paid, 100% thereafter Semi Private or Private

3 Extended Health Page 2 of 3 Vision Care Reimbursement 80% till $1,000 paid, then 100% Vision Discount Not applicable Card Maximum ($ / $150/2 years period) Prescription Not covered Sunglasses Services and Supplies Reimbursement 80% until $1,000 paid, 100% thereafter. Hearing Aids Convalescent Care Private Duty Nursing Orthopedic Shoes Orthotics Smoking Cessation Supplies Miscellaneous Paramedicals Speech Therapy Acupuncture Chiropractor Christian Science Massage Therapy Naturopath Osteopath Physiotherapy Podiatry Psychology Out Of Province Reimbursement Maximum ($) Maximum days OOC Submit to provincial plan first $400/4 years N/A Fees for a registered nurse for special duty nursing in an acute case when ordered by the attending physician, up to 720 hours per year. $400/year (adult), $200/year (child) Yes, up to $200/year. N/A $100 maximum per person per calendar year. $100 maximum per person per calendar year. $200 maximum per person per calendar year combined with Naturopath. Not covered $250 maximum per person per calendar year combined with Physiotherapy. $200 maximum per person per calendar year combined with Chiropractor. Not covered $250 maximum per person per calendar year combined with Massage Therapy. $100 maximum per person per calendar year. $100 maximum per person per calendar year. 100% for Emergency, 80% for Non-Emergency No limit provided MSP coverage is maintained. Yes. Pacific Blue Cross will not reimburse any expenses payable or provided under a Government plan. Pregnancy 2 months limitation Emergency Travel Assistance Travel Assist Worldwide emergency medical assistance is available. Please see your plan administrator for an ID card and brochure. Deluxe Features

4 Extended Health Page 3 of 3 Medical Referral Travel Benefit N/A Continuation of Coverage Maternity/Parental Coverage may be continued during maternity/parental leave, but not leave more than the period required under the relevant legislation. Please contact your Benefits Administrator for details. Strike or Lock out Lay-off Secondments, Elections, Appointments or Leaves for Public Office Unpaid leave of absence Coverage may be continued during strike or lock out, but not for a period longer than that required under the relevant legislation or by School Board policy. Please contact your Benefits Administrator for details. Coverage may or may not be continued during lay off as described in the School Board policy. Please contact your Benefits Administrator for details. Coverage may or may not be continued during secondments, elections, appointments or leaves for public office as described in the School Board policy. Please contact your Benefits Administrator for details. Coverage may or may not be continued during an unpaid leave of absence as described in the School Board policy. Please contact your Benefits Administrator for details. Costs Cost Sharing Deduction Frequency 2007, Morneau Sobeco.

5 Dental Page 1 of 2 S.D. #36 Teachers (10 month) HOME CONTACTS SITE MAP LOG OFF MY PLAN Extended Health Dental Optional AD&D PEBT COMMUNICATIONS FAQ WHAT HAPPENS WHEN... MAKING CLAIMS POLICY NUMBERS FORMS RELATED SITES GLOSSARY Dental Below is a summary of the benefits you are eligible to receive under the plan. For an overall description of this benefit, click the General link. print version This information does not create or confer any rights. The exact terms of the plan are described in the more detailed provisions of the group benefits agreement or contract. In the event of a discrepancy between this information and the group contract, the terms of the contract will be applicable. General Details Exclusions Benefit provisions Eligibility Minimum Work Week Waiting Period As per collective agreement. As per collective agreement Effective Date of Coverage Termination Age Dependent Child Definition Spouse Definition General Insurer Policy Number TBA None Up to age 21. Legal, common-law or same sex partner. Pacific Blue Cross D Deductible $0/$0 (single / family) Dental Fee Guide PBC Schedule 3 Specialist Fee Guide Adult fluoride Fee Guide plus 10% Covered Inlays/onlays Covered under Basic Services. Please refer to the general plan description for more information. Survivor None Extension Basic Services Reimbursement 85% Maximum Adult check up 2 per year frequency Child check up 2 per year frequency Endodontics / Periodontics Reimbursement 85%

6 Dental Page 2 of 2 Maximum Major Restorative Services Reimbursement 70% Maximum Orthodontics Reimbursement 70% Maximum Age Limit $2,000/lifetime Covers adults and children Continuation of Coverage Maternity/Parental Coverage may be continued during maternity/parental leave, but not Leave more than the period required under the relevant legislation. Please contact your Benefits Administrator for details. Strike or Lock out Lay-off Secondments, Elections, Appointments or Leaves for Public Office Unpaid leave of absence Coverage may be continued during strike or lock out, but not for a period longer than that required under the relevant legislation or by School Board policy. Please contact your Benefits Administrator for details. Coverage may or may not be continued during lay off as described in the School Board policy. Please contact your Benefits Administrator for details. Coverage may or may not be continued during secondments, elections, appointments or leaves for public office as described in the School Board policy. Please contact your Benefits Administrator for details. Coverage may or may not be continued during an unpaid leave of absence as described in the School Board policy. Please contact your Benefits Administrator for details. Costs Cost Sharing Deduction Frequency 12 months 2007, Morneau Sobeco.

7 FAQ Page 1 of 3 03/03/2010 S.D. #36 Teachers (10 month) HOME CONTACTS SITE MAP LOG OFF MY PLAN PEBT COMMUNICATIONS FAQ WHAT HAPPENS WHEN... Frequently Asked Questions print version MAKING CLAIMS POLICY NUMBERS FORMS RELATED SITES GLOSSARY This section of the site provides answers to a variety of frequently asked questions. Should I purchase additional out-of-country travel insurance when traveling outside of Canada? Am I required to register for PharmaCare? If I become disabled, are the premiums for my benefits continued? I have optional life insurance for myself and/or my Spouse. Is it necessary to periodically complete a form to ensure that my smoking habits, or that of my Spouse, have not changed? If I am presently being charged a smoker rate for Optional Life or Optional Spouse Life insurance, can this rate be changed to a non-smoker rate at a later date? What happens if I make a false statement concerning my or my Spouse's smoking habits? Should I purchase additional out-of-country travel insurance when traveling outside of Canada? You are strongly encouraged to check into additional out-of-country emergency medical insurance when traveling outside of Canada. Your benefits program may have Out-of- Country emergency medical insurance but this may not be sufficient in some cases. Am I required to register for PharmaCare? If you are a BC resident and enrolled with the Medical Services Plan (MSP), you can register your family to receive your maximum financial assistance under Fair PharmaCare. Your family includes you, your spouse and any dependent children whose Medical Services Plan coverage is on the same contract as you or your spouse. Your extended health coverage (EHC) through Pacific Blue Cross requires that you take advantage of other plans that are available to you, such as the Fair PharmaCare program. As a result, the EHC plan will only pay for eligible drugs up to your deductible and amounts that exceed the 70% PharmaCare co-payment. In other words, your EHC plan does not provide coverage for drug expenses that are eligible under the Fair PharmacCare program. After you reach a certain threshold of drug expenses, PBC will contact you to request proof that you have registered with the Fair PhamaCare program. You can still register for PharmaCare. As part of the registration process, you will be asked for your family's annual net income based on your previous year's income tax returns. You will also be asked to provide authorization for the Canada Revenue Agency (CRA) to send information from your tax return to Fair PharmaCare. You will be advised of your annual Fair PharmaCare deductible at time of registration, and will receive notice each year for the following year's annual deductible.

8 FAQ Page 2 of 3 03/03/2010 You can still register for PharmaCare. As part of the registration process, you will be asked for your family's annual net income based on your previous year's income tax returns. You will also be asked to provide authorization for the Canada Revenue Agency (CRA) to send information from your tax return to Fair PharmaCare. You will be advised of your annual Fair PharmaCare deductible at time of registration, and will receive notice each year for the following year's annual deductible. You can contact PharmaCare at (8:00 AM to 8:00 PM weekdays, 8:00 AM to 4:00 PM weekends). You can also register on-line at If I become disabled, are the premiums for my benefits continued? If you become disabled, you may be eligible for long term disability (LTD), Workers' Compensation and/or other disability insurance benefits. If you are approved for LTD benefits by the insurer, your premiums for LTD will be waived as long as you meet the definition of disability. You may also be eligible for waiver of life insurance, optional life insurance, and/or accidental death & dismemberment premiums. The insurers have strict application timelines, so you should contact your Benefits Administrator as soon as possible after you become disabled for more information. I have optional life insurance for myself and/or my Spouse. Is it necessary to periodically complete a form to ensure that my smoking habits, or that of my Spouse, have not changed? No. The only time that you or your Spouse must again attest to your smoking habits is when there is a change in the amount of optional life insurance. If an increase is requested, the Smoker Declaration form must be completed on the Application, indicating the smoking status at the time of the requested increase. If I am presently being charged a smoker rate for Optional Life or Optional Spouse Life insurance, can this rate be changed to a non-smoker rate at a later date? Yes. If the Insured has abstained from the use of tobacco products for at least the past 12 consecutive months, he or she may apply for the preferred non-smoking rate by completing the Smoker Declaration form. What happens if I make a false statement concerning my or my Spouse's smoking habits? If an Optional Life or Optional Spouse Life insurance claim is filed and the smoking habits have been misrepresented, the claim will be denied. Any premiums which have been paid will be refunded.

Flexible Benefits Guide A Guide to Your Benefits for Excluded Employees in the BC Public Service

Flexible Benefits Guide A Guide to Your Benefits for Excluded Employees in the BC Public Service Plan Year 2013 Flexible Benefits Guide A Guide to Your Benefits for Excluded Employees in the BC Public Service Table of contents Welcome 2 Program Overview 4 Eligibility 6 Co-ordination of Benefits 8

More information

BENEFIT REQUEST TO QUOTE AVAILABLE TO GROUPS WITH 2-19 ELIGIBLE EMPLOYEES VERSION DATE: JULY 2015. Producer Code (if applicable):

BENEFIT REQUEST TO QUOTE AVAILABLE TO GROUPS WITH 2-19 ELIGIBLE EMPLOYEES VERSION DATE: JULY 2015. Producer Code (if applicable): VERSION DATE: JULY 2015 BENEFIT REQUEST TO QUOTE AVAILABLE TO GROUPS WITH 2-19 ELIGIBLE EMPLOYEES Producer: Producer Code (if applicable): Group Office: Current Date: Phone number: Fax number: Producer

More information

Extended Health Care Dental Care Life Insurance Disability Insurance. Benefits Information for Executives

Extended Health Care Dental Care Life Insurance Disability Insurance. Benefits Information for Executives Extended Health Care Dental Care Life Insurance Disability Insurance Benefits Information for Executives SICKKIDS BENEFITS PLAN This brochure provides a brief description of the benefits plan offered by

More information

Added-Value Coverage. Competitive Prices. Personalized Service PROGRAM SUMMARY. March 2016 - Policy number 31943. Insurance program administered by

Added-Value Coverage. Competitive Prices. Personalized Service PROGRAM SUMMARY. March 2016 - Policy number 31943. Insurance program administered by Competitive Prices Added-Value Coverage Personalized Service PROGRAM SUMMARY March 2016 - Policy number 31943 Insurance program administered by HELP MAINTAIN YOUR FINANCIAL STABILITY with the Quebec Association

More information

THE EDMONTON PIPE INDUSTRY HEALTH AND WELFARE PLAN

THE EDMONTON PIPE INDUSTRY HEALTH AND WELFARE PLAN THE EDMONTON PIPE INDUSTRY HEALTH AND WELFARE PLAN AS AT MAY 2008 GENERAL INFORMATION PURPOSE OF THE BENEFITS AT A GLANCE ELIGIBILITY This is summary of the s covered under the Health and Welfare Plan.

More information

REQUEST FOR GROUP INSURANCE QUOTATION

REQUEST FOR GROUP INSURANCE QUOTATION 6400 rthwest Drive REQUEST F GROUP INSURANCE QUOTATION Please complete all application sections of the form. Return the specifications to Group Force Benefits Inc. by fax (905) 238-0215 or email to quotes@groupforce.ca

More information

The Ontario Nurses Association Benefi t Program

The Ontario Nurses Association Benefi t Program The Ontario Nurses Association Benefi t Program VOLUNTARY EXTENDED HEALTH CARE PLAN with Optional Hospital Coverage Available to ONA Members without Employer, Spousal, or Retiree Coverage ONA Benefi t

More information

Retirement Health Benefits

Retirement Health Benefits Retirement Health Benefits Group Numbers: In-province group number 088000 Out-of-province group number 093932 Group benefits for retired members are changing January 1, 2017. Visit mpp.pensionsbc.ca/groupbenefits

More information

BENEFITS AT A GLANCE FACULTY & ADMINISTRATORS

BENEFITS AT A GLANCE FACULTY & ADMINISTRATORS BENEFITS AT A GLANCE FACULTY & ADMINISTRATORS Emily Carr University is pleased to provide employees a comprehensive benefit package. The benefits plans are designed with the continuing health and well-being

More information

EARLY RETIREE (AGE 55-64) HEALTH & DENTAL BENEFIT COMPARISON as at April 2013

EARLY RETIREE (AGE 55-64) HEALTH & DENTAL BENEFIT COMPARISON as at April 2013 (through (MROO) / (through Direct Comprehensive Drugs (legally requiring a prescription) * - Drug card reimbursed at 90% (including dispensing fee up to $7.00) - $1,200 maximum per - Pays up to $100 of

More information

EDUCATION SECTOR. ARTA Retiree Benefits Plan Effective September 1, 2014

EDUCATION SECTOR. ARTA Retiree Benefits Plan Effective September 1, 2014 EDUCATION SECTOR ARTA Retiree Benefits Plan Effective September 1, 2014 In order to be eligible for coverage under the ARTA Retiree Benefits Plan, you must apply for and participate in all public Provincial

More information

Benefits Basics UBCM 2013 Benefits Conference. Pacific Blue Cross April 18, 2013

Benefits Basics UBCM 2013 Benefits Conference. Pacific Blue Cross April 18, 2013 Benefits Basics UBCM 2013 Benefits Conference Pacific Blue Cross April 18, 2013 Agenda What are Employee Benefit Plans? Common Questions and Processes Tips When Negotiating Benefits Administration Basics

More information

Continuum affordable insurance Plan for students who are completing their studies.

Continuum affordable insurance Plan for students who are completing their studies. Discover Continuum An affordable health, dental, vision, and emergency travel assistance insurance Plan for students who are completing their studies. The continuation of affordable insurance coverage

More information

PLAN YEAR 2014 Flexible Benefits Guide A GUIDE TO YOUR BENEFITS FOR EXCLUDED EMPLOYEES IN THE BC PUBLIC SERVICE

PLAN YEAR 2014 Flexible Benefits Guide A GUIDE TO YOUR BENEFITS FOR EXCLUDED EMPLOYEES IN THE BC PUBLIC SERVICE PLAN YEAR 2014 Flexible Benefits Guide A GUIDE TO YOUR BENEFITS FOR EXCLUDED EMPLOYEES IN THE BC PUBLIC SERVICE TABLE OF CONTENTS Welcome 2 Program Overview 4 Eligibility 6 Co-ordination of Benefits 8

More information

Simple and affordable health care protection for you and your family

Simple and affordable health care protection for you and your family Simple and affordable health care protection for you and your family Your guide to Flexcare Province of British Columbia Table of contents How to build your own plan............... 2-3 DrugPlusTM Basic

More information

YOUR CHOICE. Please contact us. the colour of choice TM. HEALTH DENTAL TRAVEL Benefit Plans. Individual Products Sales and Support

YOUR CHOICE. Please contact us. the colour of choice TM. HEALTH DENTAL TRAVEL Benefit Plans. Individual Products Sales and Support Please contact us to receive more information on rates, application forms, detailed brochures or plan details. YOURhealth Individual Products Sales and Support Telephone: 604 419-2200 Fax: 604 419-2199

More information

OPTION ONE DRUG 1 & DENTAL 1

OPTION ONE DRUG 1 & DENTAL 1 OPTION ONE DRUG & DENTAL An ideal plan for occasional prescriptions dental visits Highlights of Option One: Basic prescription drug coverage (70%) Basic dental coverage (70%) No medical questionnaire is

More information

LIUNA Local 183 is proud to offer the most comprehensive package of benefits in the construction industry today!

LIUNA Local 183 is proud to offer the most comprehensive package of benefits in the construction industry today! WELCOME LIUNA Local 183 is proud to offer the most comprehensive package of benefits in the construction industry today! Local 183 s mandate is to ensure that its members are treated fairly, with dignity

More information

GROUP BENEFITS PLAN CANADIAN EARLY RETIREES EFFECTIVE JANUARY 1, 2003

GROUP BENEFITS PLAN CANADIAN EARLY RETIREES EFFECTIVE JANUARY 1, 2003 GROUP BENEFITS PLAN CANADIAN EARLY RETIREES EFFECTIVE JANUARY 1, 2003 A Medical Benefits Plan for Early Retirees This information booklet has been prepared to give you an informal summary of the main features

More information

Important information about the ASU HEALTH AND DENTAL PLANS

Important information about the ASU HEALTH AND DENTAL PLANS Important information about the ASU HEALTH AND DENTAL PLANS Effective every September 1 st, students will automatically be enrolled in the Acadia Students Union (ASU) Health and Dental Plans. Why? Students

More information

Group Insurance Plan Summary Ostéopathie Québec

Group Insurance Plan Summary Ostéopathie Québec Group Insurance Plan Summary Ostéopathie Québec 2222222222222 Administered by AGA Benefit Solutions This explanatory brochure gives you an overview of the coverage offered by the Ostéopathie Québec group

More information

Benefits Online provides the information you need to get the most from our benefit program.

Benefits Online provides the information you need to get the most from our benefit program. Welcome to NAV CANADA s provides the information you need to get the most from our benefit program. Plan Health Care Plan - contract # 25298 Dental Care Plan - contract # 25298 Basic Life Insurance Plan

More information

EXECUTIVE BENEFIT PLAN REGULARLY SCHEDULED 20 HRS PER WEEK OR MORE BENEFIT OVERVIEW

EXECUTIVE BENEFIT PLAN REGULARLY SCHEDULED 20 HRS PER WEEK OR MORE BENEFIT OVERVIEW EXTENDED HEALTH CARE (EHC) PAY DIRECT WALLET CARD Can be used at all HHS Retail Pharmacies, including McMaster Drugstore, Juravinski Cancer Centre Pharmacy and Hamilton General Drugstore ALL revenue generated

More information

1-877-COVER ME. If you have any questions, give us a call at (1-877-268-3763) The Complete Guide to Flexcare for Residents of Ontario

1-877-COVER ME. If you have any questions, give us a call at (1-877-268-3763) The Complete Guide to Flexcare for Residents of Ontario If you have any questions, give us a call at 1-877-COVER ME (1-877-268-3763) Flexcare is offered through Manulife Financial (The Manufacturers Life Insurance Company). Plans underwritten by The Manufacturers

More information

HEALTH BENEFITS September 1, 2009 August 31, 2010

HEALTH BENEFITS September 1, 2009 August 31, 2010 NEW SU Health & Dental Plan Thanks to a strong mandate from students in the recent referendum over 80% voted in favour the SU is proud to announce that undergraduate students have been able to use their

More information

Simple and affordable health care protection for you and your family

Simple and affordable health care protection for you and your family Simple and affordable health care protection for you and your family Your guide to Flexcare Province of Ontario Table of contents How to build your own plan 2 g 3 DrugPlusTM Basic plan details DrugPlusTM

More information

Health Benefits Trust Fund Benefits Guide

Health Benefits Trust Fund Benefits Guide Health Benefits Trust Fund Benefits Guide 2015 Contents Welcome... 2 Benefits Eligibility... 3 Physicians... 3 Medical Office Staff... 3 Definition of Dependents... 4 Participation Requirements... 5 Rates...

More information

Keysight Benefits in Brief

Keysight Benefits in Brief Keysight Benefits in Brief A summary of the benefits provided to Keysight employees in Canada Effective August 1, 2014 through July 31, 2015 Inside: Managing Work/Life Demands Staying Healthy For Your

More information

INDIVIDUAL HEALTH PLANS

INDIVIDUAL HEALTH PLANS INDIVIDUAL HEALTH PLANS TABLE OF CONTENTS We have Manitoba covered...2 Is a Manitoba Blue Cross plan right for you?...3 Why choose Manitoba Blue Cross?...4 Our Plans...5 Basic Blue Plan... 6-7 Medi-Blue

More information

SunAdvantage Administration Guide

SunAdvantage Administration Guide SunAdvantage Administration Guide for Sun Life Financial-administered group plans Use this guide if Sun Life Financial administers your plan members records and prepares your billing statements. Our guides

More information

COMPARISON Canada Assessing Your Benefits

COMPARISON Canada Assessing Your Benefits watsonwyatt.com COMPARISON Canada Assessing Your Benefits Participant Report Prepared for McMaster University December 17, 2010 McMaster University Page 1. Introduction... 1 2. General Methodology... 2

More information

Current benefits Effective January 1, 2017

Current benefits Effective January 1, 2017 Health & Dental Care Information - MPP Group benefits change January 1, 2017 The Municipal Pension Board of Trustees has conducted a thorough review of the group benefits offered to the retired members

More information

Benefits Plan Introduction. Teachers

Benefits Plan Introduction. Teachers Benefits Plan Introduction Teachers The purpose of this package is to provide a brief summary of Rocky View Schools Teacher Benefit Program. This comprehensive program represents a very important and vital

More information

Administration guide

Administration guide Administration guide for Sun Life Financial-administered group plans Use this guide if Sun Life Financial administers your plan members records and prepares your billing statements. Our guides are stored

More information

Plan for Alumni. Health & Dental Benefits. Eligibility Requirements. Applications & Questions

Plan for Alumni. Health & Dental Benefits. Eligibility Requirements. Applications & Questions Health & Dental Benefits Plan for Alumni A comprehensive Benefit Package designed specifically for Alumni. This Benefit Plan is administered by RWAM Insurance Administrators Inc., and is distributed by

More information

BASIC GROUP LIFE INSURANCE - POLICY 132908

BASIC GROUP LIFE INSURANCE - POLICY 132908 1. Basic Group Life Insurance BASIC GROUP LIFE INSURANCE - POLICY 132908 RETIREMENT BENEFITS PLAN HIGHLIGHTS EMPLOYEE GROUP COVERAGE COST TAKES EFFECT 31 DAYS FROM DATE OF RETIREMENT REMAINS IN EFFECT

More information

PLAN YEAR 2015 Flexible Benefits Guide A GUIDE TO YOUR BENEFITS FOR EXCLUDED EMPLOYEES IN THE BC PUBLIC SERVICE

PLAN YEAR 2015 Flexible Benefits Guide A GUIDE TO YOUR BENEFITS FOR EXCLUDED EMPLOYEES IN THE BC PUBLIC SERVICE PLAN YEAR 2015 Flexible Benefits Guide A GUIDE TO YOUR BENEFITS FOR EXCLUDED EMPLOYEES IN THE BC PUBLIC SERVICE Table of contents Introduction 2 Program overview 3 Who is eligible for benefits? 5 When

More information

Should any additional information be required, please do not hesitate to contact the Plan Administrator:

Should any additional information be required, please do not hesitate to contact the Plan Administrator: Group Health Insurance Plan for members - ENROLMENT PACKAGE 2015 We are pleased to enclose details of the coverage available under the plan sponsored by the Ordre des CPA and are confi dent that one of

More information

CDSPI Retiree Benefits

CDSPI Retiree Benefits CDSPI Retiree Benefits HEALTH BENEFITS AT GREATLY PREFERRED PRICING EXCLUSIVELY FOR RETIRED DENTISTS In retirement you can continue protecting yourself and your family with personal health insurance through

More information

LEMAY EMPLOYEES ENROLMENT GUIDE

LEMAY EMPLOYEES ENROLMENT GUIDE LEMAY EMPLOYEES ENROLMENT GUIDE WELCOME Welcome to the Lemay modular program. In this guide, you ll find everything you need to understand the plans, the applying rules and to make the necessary choices.

More information

HELPING EMPLOYEES UNDERSTAND LEAVES OF ABSENCE (LOA)

HELPING EMPLOYEES UNDERSTAND LEAVES OF ABSENCE (LOA) HELPING EMPLOYEES UNDERSTAND LEAVES OF ABSENCE (LOA) The Saskatchewan School Boards Association Employee Benefits Plan (SSBA EBP) offers a full range of Benefits to non-teaching employees, their families,

More information

Open a Flexible Spending Account. Health Care Eligible Expenses. Reduce your essential health care expenses by 20% to 40%

Open a Flexible Spending Account. Health Care Eligible Expenses. Reduce your essential health care expenses by 20% to 40% Health Care Eligible Expenses Open a Flexible Spending Account The list of eligible health care items is updated frequently by the Internal Revenue Service. If you are uncertain about whether or not an

More information

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office Rev. Jan. 2013 FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated agreements.

More information

OUTLINE OF BENEFITS College of the North Atlantic Student Health and Dental Plan

OUTLINE OF BENEFITS College of the North Atlantic Student Health and Dental Plan OUTLINE OF BENEFITS College of the North Atlantic Student Health and Dental Plan Services shown below will be eligible if they are usual, reasonable and customary, and are medically necessary for the treatment

More information

Should any additional information be required, please do not hesitate to contact the Plan Administrator:

Should any additional information be required, please do not hesitate to contact the Plan Administrator: HEALTH INSURANCE Group Health Insurance Plan for members - ENROLMENT PACKAGE 2015 We are pleased to enclose details of the coverage available under the plan sponsored by the Ordre des CPA and are confi

More information

New Extended Health Care & Dental Benefits Provider Sun Life

New Extended Health Care & Dental Benefits Provider Sun Life General 1. What changes are taking place with Employee Benefits in 2015? Starting April 1, 2015, BC Hydro s Extended Health Care and Dental benefits provider will be Sun Life Financial (Sun Life), replacing

More information

BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office May, 2014 BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated

More information

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits Benefits Highlights Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits GE Benefits: Adding value beyond your paycheck The Company offers a wide

More information

Health Sciences North

Health Sciences North Health Sciences North OPSEU Part-Time Group Policy No. 101180-017 Group Plan No. 78180-017 Health Sciences North Life and Optional Life Insurance Underwritten by: Sun Life Assurance Company of Canada Group

More information

BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS

BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS Human Resources BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS The benefits listed are subject to change pending state and federal legislation and MnSCU Board Regulations. For further information

More information

Benefits Summary Teachers Division 01

Benefits Summary Teachers Division 01 Benefits Summary Teachers Division 01 APPLICATION FOR COVERAGE: The District provides Teaching Staff with the full range of benefits. However, completed application forms must be submitted to the Human

More information

Health Care, Dental Care and Prescription Drug Insurance. protecting your well-being. The Manufacturers Life Insurance Company

Health Care, Dental Care and Prescription Drug Insurance. protecting your well-being. The Manufacturers Life Insurance Company Health Care, Dental Care and Prescription Drug Insurance protecting your well-being The Manufacturers Life Insurance Company Engineers Canada-sponsored Health Care, Dental Care and Prescription Drug Plans

More information

DESJARDINS GROUP PLANS

DESJARDINS GROUP PLANS DESJARDINS GROUP PLANS Quick Reference Guide for New Employees The Desjardins Group Plans website lets employees enrol themselves in the group insurance plan, modify their group insurance coverage as needed

More information

Benefits Plans for Toronto Public Service, Elected Officials & Accountability Officers

Benefits Plans for Toronto Public Service, Elected Officials & Accountability Officers Benefits Plans for Toronto Public Service, Elected Officials & Issue Toronto Public Service Benefit Plans are part of the total compensation package provided by the City of Toronto used to attract and

More information

FRONTIER SCHOOL DIVISION GROUP BENEFITS HANDBOOK FOR TEACHING STAFF

FRONTIER SCHOOL DIVISION GROUP BENEFITS HANDBOOK FOR TEACHING STAFF FRONTIER SCHOOL DIVISION GROUP BENEFITS HANDBOOK FOR TEACHING STAFF INTRODUCTION This booklet is provided as a summary of the main features of the benefits provided by Frontier School Division. This booklet

More information

Human Resources A SUMMARY OF SHELL CANADA S PENSION AND BENEFITS PLANS

Human Resources A SUMMARY OF SHELL CANADA S PENSION AND BENEFITS PLANS Human Resources A SUMMARY OF SHELL CANADA S PENSION BENEFITS PLANS October 2015 Protecting Your Privacy Shell Canada is committed to protecting your personal information. We collect personal information

More information

Council Compensation

Council Compensation j brampionco BRAMPTON Flower City Council Compensation and Benefits Introduction Council Compensation Committee July 21st, 2015 Council Compensation Committee i. _. ~^ir- Date: J

More information

OPIP HEALTH & HEALTH PLUS Plan Details and Cost Comparisons

OPIP HEALTH & HEALTH PLUS Plan Details and Cost Comparisons & HEALTH PLUS Plan Details and Cost Comparisons With the OMA Priority Insurance Program (OPIP), you have the opportunity to enhance your existing government subsidized OPIP Health Plan with optional self-funded

More information

OVERVIEW OF YOUR BENEFITS

OVERVIEW OF YOUR BENEFITS OVERVIEW OF YOUR BENEFITS IMPORTANT PHONE NUMBERS Benefit Fund s Member Services Department (646) 473-9200 For answers to questions about your eligibility or prescription drug benefit. You can also visit

More information

St. Thomas University

St. Thomas University St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit

More information

Table of Contents. Focusing on health...3. Leading to our Options...5. Channelling our strengths. Guiding you in the right direction

Table of Contents. Focusing on health...3. Leading to our Options...5. Channelling our strengths. Guiding you in the right direction Table of Contents Focusing on health...3 Leading to our Options...5 Comprehensive and affordable. coverage Options...6 Options and Options Plus Benefits Comparison... 10 Enhanced coverage Options Plus...

More information

ARTA Retiree Benefits Plan. As at September 1, 2014. Prepared by: ARTA'S Benefit & Actuarial Consultant

ARTA Retiree Benefits Plan. As at September 1, 2014. Prepared by: ARTA'S Benefit & Actuarial Consultant ARTA Retiree Benefits Plan Public Alberta Sector Presentation Public to Sector CEMA Retiree As at September 1, 2014 Prepared by: ARTA'S Benefit & Actuarial Consultant July 25, 2014 Contact Information

More information

A B C D F F* G K L M N Basic, including. Basic, including. coinsurance. 75% Skilled Nursing. Facility Coinsurance. 50% Part A. Deductible.

A B C D F F* G K L M N Basic, including. Basic, including. coinsurance. 75% Skilled Nursing. Facility Coinsurance. 50% Part A. Deductible. This chart shows the benefits included in each of the standard Medicare supplement plans. Every company must make Plan A available. Some plans may not be available in your state. AmeriHealth Insurance

More information

Health Benefits and Your Pension Plan. March 2011 Linda Watson

Health Benefits and Your Pension Plan. March 2011 Linda Watson Health Benefits and Your Pension Plan March 2011 Linda Watson Outline Pension fund update Inflation account sustainability Extended health care benefits Pension Fund Update Year at Dec. 31 Investment Return

More information

VI. Long-Term Disability Program Table of Contents

VI. Long-Term Disability Program Table of Contents VI. Long-Term Disability Program Table of Contents About This Section...1 An Overview of the Long-Term Disability Program...2 Definition of Disability...2 Long-Term Disability Benefit Options...2 Basic

More information

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 Employees are eligible to enroll on the first day of employment and coverage becomes effective on the date the enrollment

More information

Alberta Government Health Insurance Plan offers Limited Coverage.

Alberta Government Health Insurance Plan offers Limited Coverage. Alberta Government Health Insurance Plan offers Limited Coverage. Alberta government provides supplementary health coverage via Blue Cross to individuals in low-income; assured-income or other programs

More information

Real Choices. Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS

Real Choices. Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS Real Choices Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS Time Insurance Company John Alden Life Insurance Company Assurant Health is the brand name

More information

Birth of a Child. Medical Insurance

Birth of a Child. Medical Insurance Birth of a Child There are a few things you should consider before your baby arrives. As with any status change, you have 31 days after the birth of your baby to make adjustments and/or changes to your

More information

Level 1 Staff (#829) Standard Benefit Plan

Level 1 Staff (#829) Standard Benefit Plan Level 1 Staff (#829) Standard Benefit Plan Effective: January 1, 2015 (3) We make every effort to ensure the information that we distribute to organizations in electronic format is factual and up to date.

More information

Extended Health Care Insurance

Extended Health Care Insurance 2012 2013 Extended Health Care Insurance This brochure will provide you with information about the Ontario Dental Association s (ODA) Extended Healthcare (EHC) Insurance Plan. Eligibility The plan is available

More information

Public Health Care Insurance in Canada:

Public Health Care Insurance in Canada: A Comparison of Provincial and Territorial Programs Provisions current to October 1 2010 A Comparison of Provincial and Territorial Programs i CANADA Supplementary group employee health benefit programs,

More information

Group Benefits Effective February 1, 2013

Group Benefits Effective February 1, 2013 Group Benefits Effective February 1, 2013 Benefit Solutions for Your Organization What s in it for you? A Blue Chip TM Benefits Plan from Saskatchewan Blue Cross is a solid investment. Your Group Benefits

More information

Group Insurance Plan of Benefits for New York University (Control # 620610) administered by Aetna International Effective Date: January 1, 2016

Group Insurance Plan of Benefits for New York University (Control # 620610) administered by Aetna International Effective Date: January 1, 2016 Eligibility Provision Employee Regular full-time employees of New York University participating in this plan working a minimum of 25 hours per week. Dependent Wife or husband; same or opposite sex domestic

More information

Skilled Nursing Facility Coinsurance Part A Deductible Part B. Deductible. Part B Excess- 100% Foreign Travel Emergency

Skilled Nursing Facility Coinsurance Part A Deductible Part B. Deductible. Part B Excess- 100% Foreign Travel Emergency Aetna Life Insurance Company Outline of Medicare Supplement Coverage Benefit Plans A, B, F, G and N are Offered Medicare supplement contracts can be sold in only standard plans. This chart shows the benefits

More information

Life and AD&D Insurance Effective February 1, 2015

Life and AD&D Insurance Effective February 1, 2015 Life and AD&D Insurance Effective February 1, 2015 TABLE OF CONTENTS Introduction... 2 Life Insurance and AD&D General Provisions... 2 Amount of Coverage and Eligibility Waiting Period... 2 Effective Date

More information

Employee Benefits Summary. Plan Year 2014/15

Employee Benefits Summary. Plan Year 2014/15 Employee Benefits Summary Plan Year 2014/15 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.

More information

Medical Plan Comparison - Retirees Age 65 or Over

Medical Plan Comparison - Retirees Age 65 or Over l Plan Comparison - Retirees Age 65 or Over Program Name Group Prime Solution Group Prime Solution for Seniors for Seniors Type of Policy re Cost Plan with re Prescription Drug re Cost Plan with re Prescription

More information

Benefits Guide A GUIDE TO YOUR BENEFITS FOR BARGAINING UNIT EMPLOYEES IN THE BC PUBLIC SERVICE

Benefits Guide A GUIDE TO YOUR BENEFITS FOR BARGAINING UNIT EMPLOYEES IN THE BC PUBLIC SERVICE Benefits Guide A GUIDE TO YOUR BENEFITS FOR BARGAINING UNIT EMPLOYEES IN THE BC PUBLIC SERVICE Last updated: May 2015 Table of contents Introduction 2 Who is eligible for benefits and how to enrol 3 When

More information

Transitioning to Retirement: Options & Benefits

Transitioning to Retirement: Options & Benefits Transitioning to Retirement: Options & Benefits Nicole Hyatt Faculty Relations Manager Jennifer Cove Retirement & Survivor Benefits Administrator Agenda Retirement transition options Reduced Appointment

More information

Frequently. asked questions. g ro u p insu ra n ce

Frequently. asked questions. g ro u p insu ra n ce g ro u p insu ra n ce Frequently asked questions The answers to the following questions are for union members enrolled in FNEEQ-CSN s group insurance plan. Please contact your union to learn about the

More information

Dental Care / Prescription Drugs / Vision Care Death Benefit

Dental Care / Prescription Drugs / Vision Care Death Benefit The UFCW Local 247 Benefit Trust Fund operates the following benefits, for UFCW Twenty Four Seven members who work for participating Employers: Dental Care / Prescription Drugs / Vision Care Death Benefit

More information

Schedule of Health Benefits Lighthouse Plan Effective June 1, 2015

Schedule of Health Benefits Lighthouse Plan Effective June 1, 2015 Health Insurance Act Benefits HI LOCAL TREATMENT AND SERVICES Public Ward, Psychiatric Ward, Hospice, Hospital Outpatient and Emergency Department, Physicians Services, Approved Diagnostic Imaging Facilities,

More information

ASEBP Benefit Handbook

ASEBP Benefit Handbook Benefit Handbook ASEBP Benefit Handbook This handbook contains an overview of your ASEBP General Plan Provisions, as well as more specific information about each benefit offered through ASEBP. Benefit

More information

Your Enrolment Guide. Areva and Brossard union employees in Canada. Enrol in your benefits online at

Your Enrolment Guide. Areva and Brossard union employees in Canada. Enrol in your benefits online at Your 2015 Enrolment Guide Areva and Brossard union employees in Canada Enrol in your benefits online at www.mysunlife.ca The Total Employee Experience The benefits programme is just one of the ways we

More information

National Benefit Fund

National Benefit Fund 1199SEIU National Benefit Fund June 2015 SUMMARY PLAN DESCRIPTION Section VI Retiree Health Benefits A. Retiree Health Benefits B. Using Your Benefits Wisely C. If You Retire at or after Age 65 and Live

More information

EXTENDED HEALTH CARE - BENEFITS AT A GLANCE

EXTENDED HEALTH CARE - BENEFITS AT A GLANCE CARE - BENEFITS AT A GLANCE SEMI-PRIVATE HOSPITAL - Inside Canada Daily Limit Overall No Semi-Private Hospital Coverage No Semi-Private Hospital Coverage PAY-DIRECT DRUG CARD FOR PRESCRIPTION DRUGS (Drugs

More information

ARTA Retiree Benefits Plan Effective January 1, 2013. Health Wise Plus (formerly Enhanced

ARTA Retiree Benefits Plan Effective January 1, 2013. Health Wise Plus (formerly Enhanced PUBLIC SECTOR ARTA Retiree Benefits Plan Effective January 1, 2013 The Health & Dental Plan renews automatically on September 1 every year. There are a number of voluntary benefits options available to

More information

You may elect coverage under each benefit separately or elect coverage under a combination of benefits.

You may elect coverage under each benefit separately or elect coverage under a combination of benefits. All college retirees 1 Academic, Support and Administrative are covered under this plan. These benefits may be changed from time to time by the College Compensation and Appointments Council (Council).

More information

Benefits Booklet. For the Employees of School District 75 (Mission) Employee Class Teachers

Benefits Booklet. For the Employees of School District 75 (Mission) Employee Class Teachers Benefits Booklet For the Employees of School District 75 (Mission) Employee Class Important This booklet summarizes the insurance benefits provided for you and your family through your Employer. Benefit

More information

Frequently Asked Questions Brooklyn Law School 2012-13 Student Health Insurance Plan

Frequently Asked Questions Brooklyn Law School 2012-13 Student Health Insurance Plan Frequently Asked Questions Brooklyn Law School 2012-13 Student Health Insurance Plan Table of Contents Important Contact Information... 2 How do I learn more about what is covered, access to benefits,

More information

Platinum Health Plan with $300 Vision Care Benefit

Platinum Health Plan with $300 Vision Care Benefit Platinum Health Plan with $300 Vision Care Benefit Eligibility Extended Health benefits are available to permanent full-time and part-time employees, and term employees hired for at least 60 consecutive

More information

Post-Retirement Health Care Spending Account for CAW Retired Employees Canada. Issued April 2011 ON TRACK TOWARD THE FUTURE

Post-Retirement Health Care Spending Account for CAW Retired Employees Canada. Issued April 2011 ON TRACK TOWARD THE FUTURE Post-Retirement Health Care Spending Account for CAW Retired Employees Canada ON TRACK TOWARD THE FUTURE Table of Contents 1 Introduction 2 Eligibility 3 Plan Description 5 Options under the HCSA 6 Who

More information

DESCRIPTION OF SERVICES AND DISCLOSURE FORM

DESCRIPTION OF SERVICES AND DISCLOSURE FORM The following is a Description of the discount dental plan available to you and your family members through Coastal Dental, Inc. The Description completely describes the plan and your rights under the

More information

Group Disability Income Plan SECTION EIGHT AT-A-GLANCE

Group Disability Income Plan SECTION EIGHT AT-A-GLANCE Group Disability Income Plan SECTION EIGHT AT-A-GLANCE General Information...pg. 69 Eligibility and Participation...pg. 69 Short Term Disability Income (STD)...pg. 71 Step-by-Step Instructions for Filing

More information

Your CSQ Plan at a Glance. Centrale des syndicats du Québec (CSQ) Contract J9999. January 2012. www.securitesociale.csq.qc.net

Your CSQ Plan at a Glance. Centrale des syndicats du Québec (CSQ) Contract J9999. January 2012. www.securitesociale.csq.qc.net Your CSQ Plan at a Glance Centrale des syndicats du Québec (CSQ) Contract J9999 January 2012 www.securitesociale.csq.qc.net Health 1 Plan covering basic prescription drug needs Health Insurance - Participation

More information

PRE-EXISTING CONDITION INSURANCE PLAN ( PCIP ) COMPREHENSIVE MAJOR MEDICAL EXPENSE POLICY

PRE-EXISTING CONDITION INSURANCE PLAN ( PCIP ) COMPREHENSIVE MAJOR MEDICAL EXPENSE POLICY PRE-EXISTING CONDITION INSURANCE PLAN ( PCIP ) COMPREHENSIVE MAJOR MEDICAL EXPENSE POLICY Administered By: The Arkansas Comprehensive Health Insurance Pool ( CHIP ) and its subcontractor, BlueAdvantage

More information

EMPLOYEE BENEFITS. for. Support Staff Employees of the Ontario Colleges of Applied Arts and Technology

EMPLOYEE BENEFITS. for. Support Staff Employees of the Ontario Colleges of Applied Arts and Technology EMPLOYEE BENEFITS for Support Staff Employees of the Ontario Colleges of Applied Arts and Technology Contract Number 50834 Effective October 1, 2005 Table of Contents Table of Contents Section 1 - General

More information

Real Choices Dental, Life and Short Term Disability Insurance. Ancillary Coverages for Small Employer Groups

Real Choices Dental, Life and Short Term Disability Insurance. Ancillary Coverages for Small Employer Groups Real Choices Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups Real Choices from Assurant Health Dental, Life and Disability Coverage It s no secret that employee

More information

ADMINISTRATION GUIDE. Answers to questions such as:

ADMINISTRATION GUIDE. Answers to questions such as: ADMINISTRATION GUIDE Answers to questions such as:»» How do I add or remove an employee from our plan?»» How soon do I let Group Insurance Solutions know about changes to salary or hours worked?»» What's

More information