School District 27

Core LTD: 15 hours per week

All Other Benefits: As per the collective agreement

1st of the month coincident with or following 1 month of employment

December 31 of the following year

$100 (Single/Family)

80% until $1,000 paid per family per calendar year, then 100%

Unlimited

Dependent coverage following the member’s death will continue 24 months without further payment of premium contributions, until the earliest of the following occurs:

a. the date the person ceases to be a Dependent other than as a result of the Member’s death;

b. the date the contract is terminated.

If an eligible dependent has coverage under another benefits plan, they are still eligible for survivor benefits up to the duration of the contractual limits. This would apply to both of the following scenarios:

1. The dependent already has coverage under another plan upon the member’s death.

2. The dependent later becomes eligible under another plan after the member’s death.

Please note, if a dependent child is or becomes a member on their own plan, they would no longer be eligible as a dependent under a parent’s plan.

Retirement

Up to age 21, or 25 if in full time attendance at school, or to any age if disabled.

The person legally married to the Member or a person who has been residing with the Member in a common-law relationship for at least 1 year and who is publicly represented as the Member’s spouse. Only one spouse is eligible for coverage at any one time.

n/a

Blue Rx

Yes

n/a

Not Covered

Covered

$7,500 per lifetime

Not Covered

Included

100%

Combined with In-Province Maximum

Private or Semi-private Room

In-home nursing care covered

$4,000 per 5 calendar years

$4,000 per 2 calendar years

Covered

Covered

All Medical Equipment must be purchased from an Authorized Medical Supplier to be considered under your plan. Reasonable and Customary pricing will apply. Authorization by the Benefit Provider is required for equipment that costs more than $5,000.

$400 per calendar year for adults, $200 per calendar year for children

$400 per 2 calendar years

Covered

$625 per 24 months – prescription sun glasses included in vision maximum

$625 per 24 months – prescription sun glasses included in vision maximum

$125 per 24 months

$600 per calendar year

$600 per calendar year (Chiropractic x-rays are included in this maximum)

$1,200 per calendar year

$600 per calendar year

Not Covered

$1,000 per calendar year

$600 per calendar year

$1,500 per calendar year combined for Psychologists, Clinical Counsellors and Social Workers

$600 per calendar year

1st of the month coincident with or following 1 month of employment

12 months from date of service

n/a

Current Fee Guide in your province of residence

Current Specialist Dental Fee Guide or the minimum fee specified in the current Denturist Fee Guide of your province of residence

3 months

Retirement

Up to age 21, or 25 if in full time attendance at school, or to any age if disabled.

The person legally married to the Member or a person who has been residing with the Member in a common-law relationship for at least 1 year and who is publicly represented as the Member’s spouse. Only one spouse is eligible for coverage at any one time.

100%

n/a

2 per calendar year

2 per calendar year

Covered

60%

n/a

60%

$1,000 per lifetime

Covers children only

The Joint Early Intervention Service (JEIS) is a mandatory program providing proactive service to members to facilitate their return to work in a caring, safe, and timely manner. Members are contacted within six (6) working days of the start of their absence from work by a Healthcare Management Specialist (HCMS). The HCMS makes sure members receive the best possible care and, if appropriate, a coordinated rehabilitation plan. If members are unable to return to work after the LTD qualifying period, the HCMS helps them transfer to the LTD program. A primary factor for the success of the JEIS program is the collaboration and joint support of both union and employers.

1st of the month coincident with or following 3 months of continuous employment

75% of weekly earnings

12 month employee: $1,000

11 month employee: $1,091 (not eligible for payments in August)

10 month employees: $1,200 (not eligible for payments in July and August)

Accident, Illness or Hospitalization: 14 days

15 weeks

5 days (working)

If a 10 month or 11 month employee becomes Totally Disabled during the months they are Not Actively At Work, the Elimination Period will commence on the initial date of Total Disability and payment of Weekly Indemnity Benefits will begin on the later of the end of the Elimination period or September 1st, so long as the Member remains Totally Disabled. If a 10 month Member is Totally Disabled and in receipt of Weekly Indemnity Benefits as of June 30th, Weekly Indemnity will cease and the employee will not be entitled to Weekly Indemnity benefits payments from July 1st through August 31st, inclusive. If still Totally Disabled on the September 1st following, Weekly Indemnity benefit payments will resume. If an 11 month employee is Totally Disabled and in receipt of Weekly Indemnity as of July 31st, Weekly Indemnity benefit payments will cease and the employee will not be entitled to Weekly Indemnity payments from August 1st through August 31st, inclusive. If still Totally Disabled on September 1st following, Weekly Indemnity benefit payments will resume.

Taxable

Included

Earlier of age 65 or retirement.

Basic earnings are the employee’s salary from the employer excluding bonuses, commissions and overtime, but will be adjusted to meet Employment Insurance legislation requirements concerning the definition of insurable earnings.

3 months of continuous Active Employment with the Employer

70% of monthly earnings from the Employer

$50 per month

$10,000 per month

n/a

120 calendar days

Taxable

A Member, who is not receiving LTD Benefits shall cease to be entitled to coverage for LTD Benefits one hundred twenty days prior to the last day of the month during which the Member attains age 65 or thirty-five (35) years of pensionable service and a minimum age of fifty-five (55) pursuant to the terms of the Municipal Pension Plan or other school district pension arrangement.

For Members receiving LTD Benefits, the Maximum Benefit Period ends the earliest of normal retirement age as defined under the Municipal Pension Plan (currently 65 years of age), or 35 years of service and a minimum age of 55.

A Member’s basic rate of pay, including premiums/allowances paid for Regular Duties performed during a regular work year and vacation pay, but excluding overtime.

The Core LTD Program shall fund the Member’s portion of premiums for EHC (including medical referral travel benefits, if applicable) and dental while in receipt of Core LTD Benefits for the period starting the first of the month following completion of the Elimination Period, and ending on the earlier of the last day of the month in which the Member is no longer eligible for Core LTD Benefits or the last day of the final month of the Member’s twenty-four-month Regular Duties period outlined in the definition of Disabled.

1st of the month coincident with or following 1 month of employment

3 times Annual Earnings rounded to next higher $1,000

$350,000

n/a

50% at age 65

Matches Core LTD

Life coverage for a disabled employee will terminate at the earlier of age 65 or 35 years of pensionable service under the Municipal Pension Plan or any other registered pension plan arising out of employment with an Employer and a minimum age of 55, whichever is earlier.

Up to 50% of your Basic Life benefit to a maximum of $50,000 for members under age 65

Earlier of age 70 or retirement

Employee’s gross earnings from the employer excluding any bonus, commission or overtime.

Available

1st of the month coincident with or following 1 month of employment

Matches Basic Life

$350,000

N/A

50% at age 65

Matches Core LTD

Basic Accident coverage for a disabled employee will terminate at the earlier of age 65 or 35 years of pensionable service under the Municipal Pension Plan or any other registered pension plan arising out of employment with an Employer and a minimum age of 55, whichever is earlier.

Earlier of age 70 or retirement

Available